Loan Rates

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Credit Cards

How we will calculate your balance:  We use the method called "average daily balance (including new purchases)."

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Prime Rate:  The Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate as published in the Wall Street Journal as of 30 days immediately preceding the billing cycle. The Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month's statement. As of December 23, 2024, the index was 7.50%.

Rates, fees, and terms may change:  We may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit reports, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive 45-day advance notice in writing and a right to opt-out in accordance with applicable law.

The interest rate and APR for all products are subject to qualification and approval and are based on several factors including but not limited to, loan-to-value, credit score, and requested term and model year (for applicable products). The listed rates assume a member with excellent credit. Rates and terms are subject to change without notice. Longer loan terms may be available. Membership eligibility is required. Please call one of our loan officers today at 419-334-4434 for additional information and disclosures.