| Loan Accounts |
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| Unsecured Loans (Signature) |
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| Signature | 9.90%* APR | 36 Months |
| *See Account Note Details |
| Revolving Line of Credit | 9.9%* APR | |
| *See Account Note Details |
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| Share-Secured Loans |
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| Share Secured | DivRate plus 2%* APR | 1-12 months |
| *See Account Note Details |
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| Vehicle Loans |
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| New Vehicle Loans - Less than 10,000 miles | 6.99%* APR | 60 - 72 Months |
| *See Account Note Details |
| Used Vehicle Loans up to 6 yrs old | 7.75%* APR | 48 - 60 Months |
| *See Account Note Details |
| Used Vehicle Loans 7-10 Yrs. | 8.50%* APR | 36 - 48 Months |
| *See Account Note Details |
| Used Vehicle Loans 11 - 17 Yrs. | 9%* APR | 36 - 48 Months |
| *See Account Note Details |
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| Overdraft Protection |
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| Overdraft Protection | 9.90%* APR | |
| *See Account Note Details |
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| Motorcycle Loans |
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| Motorcycle/ATV/Snowmobile | 8.50%* APR | 48 Months |
| *See Account Note Details |
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| Mortgages |
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| Home Equity Loan | 7.75%* APR | 1-180 Months |
| *See Account Note Details |
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| | All loan approval is based on meeting qualificaiton standards.
To qualify:
- You must be employed with your current job for at least 6 months.
- You must not have a Debt/Income ratio over 50% after new payment unless your annual income is over $50,000.
- Credit Score must be at least 600 with no outstanding judements, collections or bankruptcy in the past 2 years.
- Vehicle loan interest rates are based on the age of the vehicle and credit score.
- Unsecured loan interest rates are based on credit score.
- Mortgage loan qualification will be determined upon several factors.
- All loans are reviewed for approval based on member credit union history status.
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