Lending Rates

Effective Date: July 1, 2018 ANNUAL PERCENTAGE RATE** MONTHS PERIODIC RATE RANGE
New and Used Auto 3.74% - 16.24% *Up to 72 Months 0.010247% to 0.044493%
  4.49% - 16.24% *73 to 84 months 0.012301% to 0.044493%
 
New and Used Recreational Vehicles (RVs), Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers 4.49% - 17.25% *Up to 180 months 0.012986% to 0.074260%
 
New and Used Sports Craft, Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs 6.00% - 17.00% Up to 72 months 0.016438% to 0.046575%
 
Personal Loan 10.00% - 20.00% Up to 60 months 0.027397% to 0.054795%
Note

  • Approved APR will be 0.25% higher than the above APRs if you do not have autopay.
  • Approved APR will be 0.25% higher than the above APRs if you do not receive your monthly statement via eStatements.
Savings Secured Line of Credit 9.00%    
       
Personal Line of Credit  10.00% - 20.00% 0.027397% - 0.054795% 5.00% - 15.00%
Jump Start LOC  15.00% 0.041096% 10.00%
Visa Platnium Secured 17.00% 0.046575% 12.00%
Visa Planium Low Rate 8.49% - 20.00% 0.023260% - 0.054795% 3.49% - 15.00%
Visa Signature Rewards 12.49% - 21.00% 0.034219% - 0.057534% 7.49% - 16.00%
Savings Secured See Below*** See Below***  
Certificate Secured See Below*** See Below***  
Courtesy Loan 10.00% 0.027397%  
Consumer Loan Fee Schedule  
Personal Line of Credit $20.00 annually
Late Payment Fee  

Consumer Loan

$25.00

Indirect Loan

5% fo the late payment amount
Modification/Repricing Fee $75.00 each
Authorization to transport collateral out of the United States $25.00
Skip Payment Fee Consumer Loan $30.00 each
Returned Payment Fee $25.00 each
Payment/Deposit by Phone $10.00 each
Foreign Transaction Fee 1%
Cash Advance Fee 2% of transaction with a minimum of $10
Document Copy Fee $2.50

 

*Available term on Consumer Loans is based on amount borrowed.

** The Annual Percentage Rate shown is a range of rates that may apply based upon your credit qualifications and other pricing factors. The Periodic Rate and ANNUAL PERCENTAGE RATE (for fixed rate loans), or the margin added to the index to determine the ANNUAL PERCENTAGE RATE (for variable rate loans), that will apply to your account may be based on a number of criteria, including your employment and residential status, current debt ratio, and your past credit experience.

*** For savings secured loans and Goal Saver, the ANNUAL PERCENTAGE RATE is fixed, based on the interest paid on the savings account, plus 3.00 percentage points. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open.

****For Certificate secured loans, the ANNUAL PERCENTAGE RATE is variable, based on the interest rate paid on the certificate account, plus 3.00 percentage points. The interest rate on the loan will be adjusted any time the interest rate on the certificate account changes. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open.

For Real Estate Loan rates, call (541) 918-7424 or (800) 950-4536 toll free.

A default Annual Percentage Rate of 24.00% will be applied to all revolving loans (Personal Line of Credit) that become 60 days past due. A notice will be sent 45 days prior to the default rate changes. This default rate remains in effect until the loan has a positive repayment history for 180 days with no delinquency greater than 10 days. The Credit Union may offer other rates in the future.

Membership requirements apply.