Low Rates on a Variety of Loans

Effective Rates 1/1/2022

New and Used Autos	Term	APR*
2020 – 2022	36 months	3.25%
	48 months	3.25%
	60 months	3.25%
	72 months	4.00%
	84 months	4.50%
2013 – 2019	24 months	3.75%
	36 months	3.75%
	48 months	3.75%
	60 months	4.00%
	66 months	4.25%

Yes, we’ll lend you money for Autos 2007 – 2012. Just add 1% to the 2013-2019 rate. Above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for. All loans are subject to credit approval.

Recreational Vehicles	Term	APR*
2020 – 2022	Up to 60 months	5.75%
	72 months	6.25%
	84 months	6.75%
2013 – 2019	Upto 60 months	6.50%
	72 months	7.00%
	84 months	7.50%

RV/Boat/Motorcycle/Sportscraft 2007 – 2012. Just add 1% to the 2013 – 2019 rate. New Sportscraft maximum term 60 months and Used Sportscraft maximum term 48 months. Above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for. All loans are subject to credit approval.

Personal Loans	Term	APR*
Unsecured	Up to 60 months	7.00%
Share secured	up to 120 months	3.00% above share rate
Certificate secured	–	2.00% above existing CD rate
Share draft (checking) Line of credit (overdraft protection)	–	11.00%

60-Month Unsecured Loans. Share Draft Line-of-Credit: $2,500.00 Maximum. Share Secured Loans: Loan amount equal to share balance. Certificate Secured Loans: Loan amount equal to certificate balance. Above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for. All loans are subject to credit approval.

Home Equity / Mortgage Refinance	Fixed APR* (1st position)	Fixed APR* (2nd position)
5 years	4.50%	5.00%
10 years	4.75%	5.25%
15 years	4.75%	5.25%
20 years	5.25%	6.00%
25 years	5.50%	6.00%

* APR = annual percentage rate