Loan Rates
Our loan rates start as low as the current rate listed; members must qualify. Terms set at time of loan.
| Visa Credit Card | |||
| Account Name | Credit Score 690+ | Credit Score 689 to 660 | Credit Score 659 & Below |
| Visa Platinum | 7.99% | 11.99% | 14.99% |
| Vehicles: 2012 - 2009 | ||||
| Effective Date: Monday, February 6th, 2012 | ||||
| Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| Up to 36 Months | 2.99%* | 4.50%* | 5.25%* | 8.50%* |
| Up to 60 Months | 3.25%* | 4.75%* | 5.50%* | 8.75%* |
| 72 months | 3.49%* | 4.75%* | 5.75%* | 9.00%* |
| 84 months** | 5.00%* | 6.00%* | 7.00%* | 10.25%* |
| *Special Rate available until Feb. 29th, 2012. | ||||
| **84 month loans require a minimum of $25,000 | ||||
| Save an additional .10% off our current rates with a 20% down payment. Call for complete details. | ||||
| Vehicles: 2008 - 2005 | ||||
| Effective Date: Monday, February 6th, 2012 | ||||
| Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| Up to 36 Months | 2.99%* | 4.50%* | 5.25%* | 8.50%* |
| Up to 60 Months | 3.49%* | 5.00%* | 5.75%* | 9.00%* |
| *Special Rate available until Feb 29th, 2012. | ||||
| Save an additional .10% off our current rates with a 20% down payment. Call for complete details. | ||||
| Vehicles: 2004 - 2003* | ||||
| Effective Date: Monday, February 6th, 2012 | ||||
| Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| Up to 36 Months | 3.49% | 5.00% | 5.75% | 9.00% |
| up to 48 months | 3.99% | 5.50% | 6.25% | 9.50% |
| *Vehicles older than 2003, please contact our loan department | ||||
| Save an additional .10% off our current rates with a 20% down payment. Call for complete details. | ||||
| Motorcycles / ATVs | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2009 | up to 60 months | 4.99% | 6.99% | 8.74% | 9.74% |
| 2012-2009 | 72 months | 5.99% | 8.49% | 10.24% | 11.24% |
| 2012-2009 | 84 months | 6.50% | 9.00% | 10.75% | 11.75% |
| 2008-2002 | up to 60 months | 6.00% | 8.00% | 10.00% | 12.00% |
| Boats | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2006 | up to 84 months | 4.99% | 5.50% | 6.50% | 8.00% |
| 2005-2001 | up to 84 months | 5.50% | 6.50% | 7.50% | 9.00% |
| Snowmobiles | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2005 | up to 60 months | 4.99%* | 5.99%* | 6.99%* | 7.99%* |
| *Special Rate valid through Feb. 29th, 2012 | |||||
| Campers | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2006 | up to 84 months | 6.25% | 6.50% | 7.50% | 9.00% |
| 2005-2001 | up to 60 months | 6.25% | 6.50% | 7.50% | 9.00% |
| Motor Homes | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2006 | 180 month | 7.25% | 7.75% | 8.25% | 8.75% |
| 2012-2006 | up to 84 months | 6.50% | 7.00% | 8.00% | 9.00% |
| 2005-2001 | up to 84 months | 7.00% | 7.99% | 8.99% | 10.50% |
| Mobile Homes | |||||
| Effective Date: Monday, February 6th, 2012 | |||||
| Must be located in a mobile home park. | |||||
| Year | Term | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 2012-2007 | 180 month variable rate | Prime Rate + 2.00% | Prime Rate + 2.00% | Prime Rate + 4.00% | Prime Rate + 4.00% |
| 2012-2007 | 84 months | 9.00% | 10.50% | 13.00% | 14.50% |
| 2006-2004 | 60 months | 10.50% | 12.00% | 14.50% | 16.00% |
| Home Equity (only licensed in Michigan) | |
| Effective Date: Monday, February 6th, 2012 | |
| Up to 90% Financing. | |
| Term | Rate |
| 5 Yr Fixed | 5.25% |
| 10 Yr Fixed | 5.99* |
| 15 Yr/5 Yr Balloon | 6.50* |
| *Special interest rates available until Feb. 29th, 2012 | |
| Signature Loans | ||||
| Effective Date: Monday, February 6th, 2012 | ||||
| Account Name | Credit Score 700+ | Credit Score 699 to 661 | Credit Score 660 to 625 | Credit Score 624 & Below |
| 1 Yr Signature | 8.49% | 10.49% | 11.49% | 13.49% |
| 2-3 Yr Signature | 9.49% | 11.00% | 12.00% | 15.00% |
| 4-5 Yr Signature | 10.49% | 11.00% | 12.00% | 15.00% |
| 90-Day Note | 9.00% | |||
| Share Pledged Loan | 9.00% | |||
Rates provided are Annual Percentage Rate (APR); rates are risk-based & subject to change without notice.
FEE SCHEDULE
