Loan Rates

Effective as of 7/1/25

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%)
Fall Loan Special	30 months	5.99%	$109.26 (Borrow $3,000 for 35 months)

Vehicle Loans*

Loan Type* Approximate Term APR starting at Approximate Payment Example

2025 Vehicles 36-60 months 3.99% $368.27 (borrow $20,000 for 60 months)

72 months 4.29% $315.58 (borrow $20,000 for 72 months)

84 months 4.79% $280.74 (borrow $20,000 for 84 months)

96 months ($50k or more) 5.29% $640.01 (borrow $50,000 for 96 months)

Used Vehicles
2024 and Older 36-60 months 3.99% $368.27 (borrow $20,000 for 60 months)

72 months 4.29% $315.58 (borrow $20,000 for 72 months)

84 months 4.79% $280.74 (borrow $20,000 for 84 months)

New and Used Boat up to 120 months 4.99% $566.05 (borrow $30,000 for 60 months)

New and Used RV up to 120 months 4.99% $566.05 (borrow $30,000 for 60 months)

New and Used Motorcycle up to 84 months 3.99% $460.33 (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
2025 Vehicles	36-60 months	3.99%	$368.27 (borrow $20,000 for 60 months)
	72 months	4.29%	$315.58 (borrow $20,000 for 72 months)
	84 months	4.79%	$280.74 (borrow $20,000 for 84 months)
	96 months ($50k or more)	5.29%	$640.01 (borrow $50,000 for 96 months)
Used Vehicles 2024 and Older	36-60 months	3.99%	$368.27 (borrow $20,000 for 60 months)
	72 months	4.29%	$315.58 (borrow $20,000 for 72 months)
	84 months	4.79%	$280.74 (borrow $20,000 for 84 months)
New and Used Boat	up to 120 months	4.99%	$566.05 (borrow $30,000 for 60 months)
New and Used RV	up to 120 months	4.99%	$566.05 (borrow $30,000 for 60 months)
New and Used Motorcycle	up to 84 months	3.99%	$460.33 (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 4.75% $937.93

Financing 80% of appraisal minus balance on first trust 10 Yr Fixed 5.75% $548.95

Financing 80% of appraisal minus balance on first trust 15 Yr Fixed 6.00% $422.05

*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	4.75%	$937.93
Financing 80% of appraisal minus balance on first trust	10 Yr Fixed	5.75%	$548.95
Financing 80% of appraisal minus balance on first trust	15 Yr Fixed	6.00%	$422.05

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.