Rates
Dividend Rates
Effective October 1, 2023
| ACCOUNT TYPE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
ELIGIBLE AMOUNT |
| ALL ACCOUNTS |
0.50% | 0.5009% | $0.00 – $999999 |
Effective: June 10th, 2024
LOAN RATE SPECIALS***
NEW
*AUTO, BOAT, MOTOR, TRAILER, MOTORCYCLE, RV TRAILER ***
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
750+ |
100% of purchase price |
7.00% |
Up to 84 months |
|
700 – 749 |
100% of purchase price |
7.50% |
Up to 84 months |
|
675 – 699 |
100% of purchase price |
8.00% |
Up to 84 months |
|
625 – 674 |
95% of purchase price |
8.75% |
Up to 72 months |
|
600 – 624 |
95% of purchase price |
9.50% |
Up to 72 months |
|
Below 600 |
90% of purchase price |
10.50% |
Up to 72 months |
*Considered new if year models 2024 and newer and has less than 15,000 miles
(Does not apply to collateral with salvage or prior salvage titles)
Motorcycle rates are based on New with zero miles. Motorcycles with any miles are considered used.
USED
***AUTO, BOAT, MOTOR, TRAILER, MOTORCYCLE, RV, TRAILER ***
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
750+ |
100% of NADA clean retail |
8.00% |
60 months – Model years 2025 — 2020 |
|
700 – 749 |
100% of NADA clean retail |
8.50% |
60 months – Model years 2025 — 2020 |
|
675 – 699 |
100% of NADA clean retail |
9.00% |
60 months – Model years 2025 — 2020 |
|
625 – 674 |
90% of NADA clean retail |
9.75% |
60 months – Model years 2025 — 2020 |
|
600 – 624 |
90% of NADA clean retail |
10.50% |
60 months – Model years 2025 — 2020 |
|
Below 600 |
85% of NADA clean retail |
11.50% |
60 months – Model years 2025 — 2020 54 months – Model years 2019 –2014 48 months – Model years 2013 — 2008 36 months – Model years 2007 or older |
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Special Notice: Credit score does not guarantee approval of loan
Rates subject to change without notice.
LOAN RATE SPECIALS***
NEW
**AGRICULTURE, ATV & GOLF CART
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
750+ |
100% of purchase price |
6.75% |
60 months |
|
700 – 749 |
100% of purchase price |
7.25% |
60 months |
|
675 – 699 |
100% of purchase price |
7.75% |
60 months |
|
625 – 674 |
95% of purchase price |
8.50% |
60 months |
|
600 0 624 |
95% of purchase price |
9.25% |
60 months |
|
Below 600 |
90% of purchase price |
10.25% |
60 months |
USED
**AGRICULTURE, ATV & GOLF CART
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
750+ |
100% of book value |
7.75% |
60 months |
|
700 – 749 |
100% of book value |
8.25% |
60 months |
|
675 – 699 |
100% of book value |
8.75% |
48 months |
|
625 – 674 |
90% of book value |
9.50% |
48 months |
|
600 – 624 |
90% of book value |
10.25% |
48 months |
|
Below 600 |
85% of book value |
11.25% |
48 months |
**Applies to collateral that has a serial number or VIN# and will be secured by filing a UCC-1
with the Secretary of State
UNSECURED SIGNATURE LOANS
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
750+ |
$5,000.00 |
12.00% |
36 months |
|
700 – 749 |
$5,000.00 |
13.00% |
36 months |
|
675 – 699 |
$4,000.00 |
14.00% |
36 months |
|
625 – 674 |
$3,000.00 |
15.00% |
36 months |
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*** SHARE LOANS (Loan secured by your shares) ***
| If your credit score is: | You can borrow up to: | At this rate: | For this length of time: |
|
N/A |
Available shares |
1.25% above current dividend rate |
Up to 60 months |
Special Notice: Credit score does not guarantee approval of loan
RATES SUBJECT TO CHANGE WITHOUT NOTICE
| YOUR MONEY IS PROTECTED NCUA protects the money you have in a federally insured credit union up to $250,000, same as FDIC protects money in a bank account. And, just like FDIC, NCUA insurance is backed by the full faith and credit of the U.S. Government. |
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