Current Loan Rates

Effective 6/1/2017

LOAN TYPE  
AUTO LOANSTermAPR1 - as low as
New Autoup to 60 mos.2.99%
61-72 mos.3.19%
72-84 mos.3.29%
Used Autoup to 60 mos.3.09%
61-72 mos.3.29%
72-84 mos.3.34%
RECREATIONAL VEHICLESTermAPR1 - as low as
New RV, Boat, Motor Home, Trailerup to 60 mos.4.00%
61-72 mos.4.25%
72-84 mos.5.00%
85-120 mos.5.75%
Used RV, Boat, Motor Home, Trailerup to 60 mos.4.50%
61-72 mos.4.75%
72-84 mos.5.50%
85-120 mos.6.65%
New Motorcycle / Personal Watercraftup to 60 mos.6.25%
61-72 mos.6.50%
Used Motorcycle / Personal Watercraftup to 60 mos.6.75%
61-72 mos.7.00%
CREDIT CARDTermAPR1 - as low as
VISA Credit Card
VISA ClassicN/A8.95%
Share Secured VISAN/A13.95%
PERSONAL LOANSTermAPR1 - as low as
Signature Loanup to 60 mos.8.99%
Share Securedup to 48 mos.3.00% above the highest savings dividend rate.
Overdraft Line of CreditN/A15.00%
HOME EQUITY-FIXEDTermAPR2 - as low as
80% LTV - 1st Lien - $100,000 Max120 mos.5.00%
80% LTV - 2nd Lien - $100,000 Max120 mos.6.00%
90%LTV - 2nd Lien - $50,000 Max120 mos.6.50%
Home Equity Line of Credit (HELOC)TermAPR3 - as low as
80% LTV10 yr. draw/15 yr. amort.54.00%
90%LTV10 yr. draw/15 yr. amort. **5.00%
FIRST MORTGAGE
Conventional Fixed and ARMsFor Current Rates Call (888) 469-0192
1 APR = Annual Percentage Rate. All rates displayed are the lowest rates. Actual rate will be based on credit qualification, collateral and term of loan. The “As low as” rate quoted for auto loans is based on the model year, credit history and term.

2 APR is for combined loan to value up to 80%. If 81%-90%, add .50%

3 The APR may vary and is based on the highest prime rate as published in the “Money Rates” column in the Wall Street Journal. The APR can change quarterly on the first day of January, April, July and October. The minimum “floor” APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply is 15%. The Home Equity Line of Credit cannot exceed the appraised value. APR will vary depending upon the available equity in your home. Credit limit is based on your credit worthiness.

** For Home Equity Lines of Credit, there is a 10 year draw period and a repayment period of up to 15 years.

General information: Rates are subject to change without notice. If you have any questions, please call the credit union at (559) 582-4438. To apply for a loan, you can apply over the phone, fax your loan application to (559) 582-3236 or complete the online application.

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