Loan Rates
Autos RV & Boats Motorcycle & ATVs Credit Cards Quick Cash Share Secured Student Tuition Mortgages Home Equity Unimproved Property
| Automobile Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Fixed Rate | APR* |
| New/Used Automobile/Trucks/Vans | Up to 36 Months | As low as 5.75% | 6.339% |
| APR = Annual Percentage Rate and is based on a loan amount of $20,000, a rate of 5.75%, and 36 monthly payments of $606.27 | |||
| RV and Boat Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Fixed Rate | APR* |
| New/Used RV and Boat Loans | As low as 36 Months | As low as 7.25% | 7.844% |
| *APR = Annual Percentage Rate and is based on a loan amount of $20,000, a rate of 7.25%, and 36 monthly payments of $619.95 | |||
| Motorcycle Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Fixed Rate | APR* |
| New/Used Motorcycle and ATV's | Up to 36 Months | As low as 7.00% | 7.593% |
| *APR = Annual Percentage Rate and is based on a loan amount of $20,000, a rate of 7.00%, and 36 monthly payments of $617.66. | |||
Credit Cards
VISA Platinum/VISA Platinum Rewards Disclosure |
||
| INTEREST RATES and INTEREST CHARGES: | ||
| Annual Percentage Rate (APR) for Purchases |
Low Rate Visa Platinum | Visa Platinum Rewards |
|
9.45% to 18.00% |
11.95% to 18.00% |
|
| APR for Balance Transfers |
9.45% to 18.00% |
11.95% to 18.00% |
| APR for Cash Advances |
9.45% to 18.00% |
11.95% to 18.00% |
| Penalty APR and When it applies | None | |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| Minimum Interest Charge | If you are charged interest, there is no minimum interest charge. | |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore/ |
|
| FEES: | |
| Annual Fee | None |
| Transaction Fees Balance Transfer Cash Advance Fee Foreign Transaction |
None None 2% of each multiple currencies in U.S. Dollars 2% of each single currency in U.S. Dollars |
|
Penalty Fees Late Payment Fee |
May be up to $25.00, if you are 5 or more days late. May be up to $25.00, if your payment is returned for any reason. None |
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 June 16, 2022, the index was 4.75%.
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.
| Quick Cash Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| $75.00 Processing Fee | |||
| Amount | Term | Fixed Rate | APR* |
| $1,075.00 | 12 Month | 3.75% | 17.677% |
| $1,575.00 | 15 Month | 9.50% | 17.546% |
| $2,075.00 | 20 Month | 12.0% | 16.736% |
| $2,575.00 | 25 Month | 14.0% | 17.170% |
| *APR = Annual Percentage Rate. | |||
| Share Secured Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Fixed Rate | APR* |
| Savings Account Secured | Up to 60 Months | Share Rate + 3.00% | 6.164% |
| Shared Certificate Secured | Up to 60 Months | CD rate + 3.00% | 6.164% |
| *Annual Percentage Rate (APR) is based on a loan amount of $5,000, rate of 5% and 60 monthly payments of $94.35. The floor rate for Shared Secure products is 5%. | |||
| Student Tuition/K-12 Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Fixed Rate | APR* |
| Student Loan | Up to 12 Months | As low as 9.75% | 16.513% |
| *The Annual Percentage Rate (APR ) is based on a loan amount of $5,000 rate of 9.75% and 12 monthly payments of $439.07. | |||
| Mortgage Loans |
| Effective Date: Tuesday, November 28th, 2023 |
| Rates change daily. Please call us at 419-333-2934 for a current rate. |
| Home Equity Loan Rates | |||
| Effective Date: Tuesday, November 28th, 2023 | |||
| Type of Loan | Term | Rate | APR* |
| Home Equity Line of Credit (HELOC) up to 80% LTV | Up to 15 Years | As low as the Prime Rate | 8.798% |
| *The Annual Percentage Rate (APR ) is based on a $10,000 loan at the floor rate of 8.50% and payments of $98.52 monthly for 180 months. The draw period is five years, and the initial payment during this period is calculated to amortize the payments required to pay off your loan balance over a 180-month period. A minimum credit line of $5,000 is required. Ceiling Rate of 18% and a floor rate of 8.50%. Rates are subject to change quarterly based on updates to the Prime Rate. | |||
| Unimproved Property Loans | ||||||
| Effective Date: Tuesday, November 28th, 2023 | ||||||
| Term | A+ | A | B | C | D | E |
| Rates change daily. Please call us at 419-333-2934 for a current rate. | ||||||
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.
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