Auto Loan Rates
|
Vehicle Year
|
APR*
|
Term
|
Payments
|
|---|
|
2021 and Newer
|
5.49%
5.74%
|
60 Months
72 Months
|
60 monthly payments of $19.15 per $1,000.00 borrowed
72 monthly payments of $16.50 per $1,000.00 borrowed
|
|
2019 - 2020
|
5.74%
|
60 Months
|
60 monthly payments of $19.26 per $1,000.00 borrowed
|
|
2015 - 2018
|
6.24%
|
48 Months
|
48 monthly payments of $23.66 per $1,000.00 borrowed
|
|
2014 and Older
|
7.74%
|
36 Months
|
36 monthly payments of $31.32 per $1,000.00 borrowed
|
*ALL RATES SUBJECT TO CREDIT APPROVAL
*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
|
Recreational Vehicle Rates
|
Recreational Vehicle Year
|
APR*
|
Term
|
Payments
|
|---|
|
2021 and Newer
|
6.49%
6.74%
|
60 Months
72 Months
|
60 monthly payments of $19.62 per $1,000.00 borrowed
72 monthly payments of $16.98 per $1,000.00 borrowed
|
|
2019 - 2020
|
6.74%
|
60 Months
|
60 monthly payments of $19.74 per $1,000.00 borrowed
|
|
2015 - 2018
|
7.24%
|
48 Months
|
48 monthly payments of $24.14 per $1,000.00 borrowed
|
|
2014 and Older
|
8.74%
|
36 Months
|
36 monthly payments of $31.80 per $1,000.00 borrowed
|
*ALL RATES SUBJECT TO CREDIT APPROVAL
*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
|
Visa Credit Cards
|
Card
|
APR*
|
Credit Limit
|
|---|
|
VISA Classic
|
14.90%
|
up to $2,000
|
|
VISA Preferred
|
11.90%
|
up to $5,000
|
|
VISA Premium
|
9.90%
|
up to $10,000
|
*Certain conditions, restrictions, and exclusions may apply. Terms are available or Contact Us for more information.
|
Personal Loans
|
Term
|
APR*
|
Payments
|
|---|
|
24 Month
|
8.50%
|
24 monthly payments of $45.37 per $1,000.00 borrowed
|
|
36 Month
|
9.00%
|
36 monthly payments of $31.91 per $1,000.00 borrowed
|
|
48 Month
|
9.50%
|
48 monthly payments of $25.22 per $1,000.00 borrowed
|
*Loans are available to members for almost any worthwhile purpose, including vacations, bill consolidation, appliances, home improvements, and more. The credit union has loan terms and rates to suit your financial needs.
|
Single Pay Notes
|
Single Pay Notes require NO payment until maturity, and are available on a secured or unsecured basis. Single Pay Notes can also be used for almost any worthwhile purpose.
|
APR*
|
Renewal
|
|---|
| 6.00% |
One time renewal up to six months |
*ALL RATES SUBJECT TO CREDIT APPROVAL
*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
|
Closed End Home Equity Loan
|
Term
|
APR*
|
Payments
|
|---|
|
60 months
|
6.25%
|
60 monthly payments of $19.50 per $1,000.00 borrowed
|
|
84 months
|
6.50%
|
84 monthly payments of $14.89 per $1,000.00 borrowed
|
|
120 months
|
6.75%
|
120 monthly payments of $11.52 per $1,000.00 borrowed
|
The payments do not include amounts for taxes and insurance premiums.
Contact the Lending Department for more information
Minimum Loan amount of $10,000.00
|
Home Equity Line of Credit
6.00% APR*
Details
- Rate adjusted Quarterly, 52 week T-Bill rate based on 3rd auction of month plus 4%. The annual percentage rate will not go above 16.50% APR. All closing costs are paid by the credit union.
- Home Equities are available for properties in the State of Illinois only.
- To qualify, your potential line of credit must be a minimum of $10,000, and it can be as high as 90% of the appraised value of your home (minus your first mortgage balance). The minimum credit advance that you can receive is $5,000 for the first advance and $500 for each subsequent advance.
- You must carry Home Owners Insurance on the property that secures this plan.
- Consult a tax advisor regarding the deductibility of interest.
- Your payment will never be less than the smaller of $100, or the full amount you owe.
- The payoff period is shown in the following table:
|
Balance
|
Pay of Period
|
|---|
|
Up to $10,000
|
60 Monthly Payments
|
|
$10,000.01 - $25,000
|
120 Monthly Payments
|
|
$25,000.01 and above
|
180 Monthly Payments
|
- The maximum amount by which the annual percentage rate can be changed quarterly is 2.0%. The maximum amount by which the annual percentage rate can be changed is 5.0%. The maximum ANNUAL PERCENTAGE RATE that can apply is 16.5% or the maximum permitted by law, whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.0% at any time during the term of the plan.
Rate is effective thru March 31, 2024
|
Share Secured Loans
- Loans secured by Shares add 2.00% to current paying rate
- Loans secured by a Share Certificate add 2.00% to earning rate
All rates subject to credit approval. All rates stated as APR.
|
As a qualified borrower at the credit union, you can purchase low-cost Credit Life and Disability insurance for all qualifying loans.
|
