Loan Rates

Effective as of: January 18, 2023

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%	$107.95 (borrow $3,000 for 30 months at 5.99%)

Vehicle Loans*

Loan Type* Approximate Term APR starting at Approximate Payment Example

New and untitled only 36-60 months 2.99% $359.26 (borrow $20,000 for 60 months)

72 months 3.29% $306.46 (borrow $20,000 for 72 months)

84 months 3.79% $271.43 (borrow $20,000 for 84 months)

96 months ($50k or more) 4.29% $616.19 (borrow $50,000 for 96 months)

Used Vehicles
2022 and older 36-60 months 2.99% $359.26 (borrow $20,000 for 60 months)

72 months 3.29% $306.46 (borrow $20,000 for 72 months)

84 months 3.79% $271.43 (borrow $20,000 for 84 months)

New and Used Boat up to 120 months 3.99% $552.30 (borrow $30,000 for 60 months)

New and Used RV up to 120 months 3.99% $552.30 (borrow $30,000 for 60 months)

New and Used Motorcycle up to 84 months 2.99% $449.07 (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	2.99%	$359.26 (borrow $20,000 for 60 months)
	72 months	3.29%	$306.46 (borrow $20,000 for 72 months)
	84 months	3.79%	$271.43 (borrow $20,000 for 84 months)
	96 months ($50k or more)	4.29%	$616.19 (borrow $50,000 for 96 months)
Used Vehicles 2022 and older	36-60 months	2.99%	$359.26 (borrow $20,000 for 60 months)
	72 months	3.29%	$306.46 (borrow $20,000 for 72 months)
	84 months	3.79%	$271.43 (borrow $20,000 for 84 months)
New and Used Boat	up to 120 months	3.99%	$552.30 (borrow $30,000 for 60 months)
New and Used RV	up to 120 months	3.99%	$552.30 (borrow $30,000 for 60 months)
New and Used Motorcycle	up to 84 months	2.99%	$449.07 (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 3.25% $903.92

Financing 80% of appraisal minus balance on first trust 10 Yr Fixed 4.25% $512.17

Financing 80% of appraisal minus balance on first trust 15 Yr Fixed 4.50% $382.51

*Member pays appraisal, flood determination fee and closing cost. Appraisal Fees usually between $300 – $325, Flood Determination Fee $21.10, Closing Costs – approximately $675 – $1000, All rates subject to change without notice. Qualifications apply on all 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	3.25%	$903.92
Financing 80% of appraisal minus balance on first trust	10 Yr Fixed	4.25%	$512.17
Financing 80% of appraisal minus balance on first trust	15 Yr Fixed	4.50%	$382.51

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.