Loans
Apply for a Consumer Loan OnlineApply for a Mortgage OnlineLoan Specials
| Auto Loans |
| Rates are effective as of October 1, 2024. |
| Auto Loan Term |
APR – 2022 to Newer* |
APR – 2018 to 2021* |
| 0 – 60 months |
5.49% |
6.18% |
| 61 – 72 months |
6.34% |
6.84% |
| 73 – 84 months |
7.44% |
7.89% |
| *APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR, for details please ask a CCU Rep. An example of payment terms are as follows: a vehicle financed with an APR for 5.49% and a term of 60 months would have an approximate monthly payment per thousand dollars of $19.10. |
| Other Motor Vehicles / Motorcycles |
| Rates are effective as of October 1, 2024. |
| Motorcycles Loan Term |
APR – 2022 to Newer* |
APR – 2018 to 2021* |
| 0 – 60 months |
8.65% |
9.15% |
| 61 – 72 months |
9.65% |
10.15% |
| 73 – 84 months |
10.65% |
11.15% |
| *APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions. An example of payment terms are as follows: a vehicle financed with an APR for 8.65% and a term of 60 months would have an approximate monthly payment per thousand dollars of $20.59. |
| Recreational Vehicles |
| Rates are effective as of October 1, 2024. |
| Recreational Vehicles Loan Term |
Loan Amount |
APR 2022 to Newer* |
APR – 2018 to 2021* |
| 0 – 60 months |
Any |
7.90% |
9.15% |
| 61 – 120 months |
$20K – $60K |
8.90% |
10.15% |
| 121 – 180 months |
$61K+ |
9.90% |
11.15% |
*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions. An example of payment terms are as follows: a vehicle financed with an APR for 7.90% and a term of 60 months would have an approximate monthly payment per thousand dollars of $20.23.
|
| Secured / Collateralized Loans |
| Rates are effective as of October 1, 2024. |
| Term |
APR as low as* |
| 36 months |
9.20% |
| 48 months |
9.70% |
| 60 months |
10.20% |
| 72 months |
10.70% |
| 84 months |
11.20% |
| *APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions. An example of payment terms are as follows: a vehicle financed with an APR for 9.20% and a term of 36 months would have an approximate monthly payment per thousand dollars of $31.89. |
Loan Specials
Savings
Rates effective as of June 18, 2024 and are subject to change without notice.Share AccountsDividends for the 2nd quarter of 2024:*APY means Annual Percentage YieldFees could reduce the earnings on the account.
Share and IRA Certificates*APY means Annual Percentage Yield. The quoted APY is accurate as of June 18, 2024. $1,000.00 minimum balance required. Penalties apply for early withdrawal.
| VISA Cards |
| Annual Percentage Rate for Purchases |
VISA Platinum |
VISA Classic |
VISA Secured |
| Annual Percentage Rate (APR) for Purchases |
8.90% |
9.90% |
17.90% |
| APR for Cash Advances |
8.90% |
9.90% |
17.90% |
| APR for Balance Transfers |
8.90% |
9.90% |
17.90% |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
| FEES |
Set-Up and Maintenance Fees
– Annual Fee (VISA Secured ONLY) |
$25.00 Annually |
Transaction Fees
– Cash Advance Fee
– Foreign Transaction Fee |
$2.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $10.00)
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars |
Penalty Fees
– Late Payments
– Returned Payment Fee |
Up to $35.00
Up to $35.00 |
| How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases)”. |
Effective Date
The information about the costs of the card described in this disclosure is accurate as of January 1, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
| OTHER DISCLOSURES |
| Late Payment Fee |
Up to $35.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making payment. |
| Return Payment Fee |
Up to $35.00 or the amount of the required minimum payment, whichever is less. |
| Document Copy Fee |
$10.00 |
| Rush Fee |
$35.00 |
| Card Replacement Fee |
$10.00 |
| Card Recovery Fee |
$65.00 |
| Additional Card Fee more than 2 |
$10.00 |
