December 31, 2020
| Share Rates | Rate paid quarterly | .15% |
| Visa Rates | Platinum Plus | 7% |
| Platinum | 9% | |
| Classic | 14% | |
| *All Rates are Subject to Change | ||
Loan Rates
| EFFECTIVE DATE January 1, 2021 | |||
| YEAR OF COLLATERAL | COLLATERAL DESCRIPTION | RATE | TERM |
| 2021 – 2020
|
NEW CARS/VANS/SUVS/TRUCKS*
|
2.4
2.7 2.8 3.15 |
36
48 60 72 |
| 2020-2017 | USED CARS/VANS/SUVS/TRUCKS*
|
2.4
2.7 2.8 |
36
48 60 |
| 2016-2013 | USED CARS/VANS/SUVS/TRUCKS*
|
3.40
3.80 |
36
48 |
| 2012-2011
***NEED PICTURE*** |
USED CARS/VANS/SUVS/TRUCKS*
|
4.50
4.55 |
36
48 |
| 2010-OLDER
***NEED PICTURE***
|
USED CARS/VANS/SUVS/TRUCKS*
USED CARS/VANS/SUVS/TRUCKS* |
5.60
6.10 |
36
48 |
| BOAT/PWC/CAMPER/ATV/TRAILER/BUSINESS EQUIPMENT | |||
| 2021-2020 | NEW* | 4.50 | 60 |
| 2020-2013 | USED* | 4.70 | 48 |
| 2012-OLDER
***NEED PICTURE*** |
USED* | 5.20 | 36 |
| MOTORCYCLES | |||
| 2021-2020
2020-2013 2012-OLDER ***NEED PICTURE*** |
NEW*
USED* USED* |
5.50
5.70 6.20 |
60
48 36 |
| UNSECURED LOAN**
UNSECURED LOAN** |
7.50
7.99 |
UP TO 36
48 TO 60 |
|
| SHARE SECURED | 3.30 | 60 | |
| CREDIT BUILDER LOAN | 15.00 | 6 | |
| VISA-775-725 WITH REWARDS
AND 650 |
7%- 9%
14% |
||
| SHARE SECURED VISA | 7 | ||
*THESE ARE THE LOWEST RATES AVAILABLE AND INCLUDE ½ POINT REDUCTION FOR 10% DOWN AND ½ POINT REDUCTION FOR A BEACON SCORE OF 700+ AS WELL AS A DEBT RATIO OF 40% OR LESS.
**THIS IS THE LOWEST RATE AVAILABLE BASED ON A CREDIT SCORE OF 700+ AND A DEBT RATIO OF 40% OR LESS.
CONTACT CREDIT UNION FOR FULL DETAILS
CONTACT CREDIT UNION FOR FULL DETAILS
RATES ARE SUBJECT TO CHANGE AT ANY TIME
Visa Fees
| Late Payment Fee | $20.00 |
| Returned Payment Fee | $25.00 |
| Rush Fee | $20.00 |
| Emergency Card Replacement Fee | $150.00 |
| PIN Replacement Fee | $20.00 |
| Card Recovery Fee | $65.00 |
| Pay-by-Phone Fee | $20.00 |
Credit Union Fees
| Late Payment Fee | $20.00 |
| Returned Check Fee | $25.00 |
| Stop Payment Fee | $45.00 |
| Title Correction Fee | $95.00 |
| Loan Refinance Fee | $100.00 |