Loan Rates

Effective as of 1/23/24

Loan Type*	Approximate Term	APR starting at	Approximate Payment Example
Unsecured Loans	up to 5 years	10.99%	$543.64 (borrow $25,000)
Share Secured	up to 120 months	1% above share rate	$85.51 (borrow $5,000 for 60 months at 1.02%)
Spring Loan Special	30 months	5.99%	$107.94 (Borrow $3,000 for 30 months)

Vehicle Loans*

Loan Type* Approximate Term APR starting at Approximate Payment Example

New and untitled only 36-60 months 4.99% $377.30 (borrow $20,000 for 60 months)

72 months 5.29% $324.78 (borrow $20,000 for 72 months)

84 months 5.79% $290.15 (borrow $20,000 for 84 months)

96 months ($50k or more) 6.29% $265.65 (borrow $50,000 for 96 months)

Used Vehicles
2023 and older 36-60 months 4.99% $377.30 (borrow $20,000 for 60 months)

72 months 5.29% $324.78 (borrow $20,000 for 72 months)

84 months 5.79% $290.15 (borrow $20,000 for 84 months)

New and Used Boat up to 120 months 5.99% $579.79 (borrow $30,000 for 60 months)

New and Used RV up to 120 months 5.99% $579.79 (borrow $30,000 for 60 months)

New and Used Motorcycle up to 84 months 5.99% $471.63 (borrow $25,000 for 60 months)

*Term determined by amount financed and rate increases based on model year and other underwriting factors.

Loan Type*	Approximate Term	APR starting at	Approximate Payment Example
New and untitled only	36-60 months	4.99%	$377.30 (borrow $20,000 for 60 months)
	72 months	5.29%	$324.78 (borrow $20,000 for 72 months)
	84 months	5.79%	$290.15 (borrow $20,000 for 84 months)
	96 months ($50k or more)	6.29%	$265.65 (borrow $50,000 for 96 months)
Used Vehicles 2023 and older	36-60 months	4.99%	$377.30 (borrow $20,000 for 60 months)
	72 months	5.29%	$324.78 (borrow $20,000 for 72 months)
	84 months	5.79%	$290.15 (borrow $20,000 for 84 months)
New and Used Boat	up to 120 months	5.99%	$579.79 (borrow $30,000 for 60 months)
New and Used RV	up to 120 months	5.99%	$579.79 (borrow $30,000 for 60 months)
New and Used Motorcycle	up to 84 months	5.99%	$471.63 (borrow $25,000 for 60 months)

Home Equity Loans*

Loan Type* Approximate Term APR starting at Approximate Payment Example (Based on $50,000)

Financing 80% of appraisal minus balance on first trust 5 Year Fixed 3.75% $915.36

Financing 80% of appraisal minus balance on first trust 10 Yr Fixed 4.75% $524.40

Financing 80% of appraisal minus balance on first trust 15 Yr Fixed 5.00% $395.55

*Member pays appraisal, flood determination fee and closing costs. Appraisal Fees are $325 – $350. Flood Determination Fee $25. Closing Costs start at $800. All rates are subject to change without notice. All loans subject to credit approval.

Loan Type*	Approximate Term	APR starting at	Approximate Payment Example (Based on $50,000)
Financing 80% of appraisal minus balance on first trust	5 Year Fixed	3.75%	$915.36
Financing 80% of appraisal minus balance on first trust	10 Yr Fixed	4.75%	$524.40
Financing 80% of appraisal minus balance on first trust	15 Yr Fixed	5.00%	$395.55

Lines of Credit*

Loan Type* Notes APR as low as

Overdraft Line of Protection $1,000 Limit 9.99%

MasterCard Credit Card up to $25,000 limit 9.99%

MasterCard Balance Transfers No fee 9.99%

Credit Card Disclosures

Loan Type*	Notes	APR as low as
Overdraft Line of Protection	$1,000 Limit	9.99%
MasterCard Credit Card	up to $25,000 limit	9.99%
MasterCard Balance Transfers	No fee	9.99%

Mortgage Rates

APR = Annual Percentage Rate. Rates subject to change at any time. See credit union for details.