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Loan Desk
Overview of Lending ServicesWe believe a member should be a saver BEFORE becoming a borrower. All members must meet credit criteria as established by policy. All loan applications must be signed and accompanied by verification of income. It is preferable that loans be repaid through payroll deduction so that you will always remain a member in good standing. Loan rates vary depending on the type of loan and change frequently, you can see tables of current loan rates at our Interest Rates Page. Full service members receive 1/2% discount on loan rates and 1/4% higher rates on share certificates. To meet these requirements, you need to have a savings account, a share draft account, VISA, and debit card. The interest rate on loans is dependent on credit score.
Available Products
VISA CardNo Annual Fee Excluded from Life Insurance Excluded from Full Service Discount
New Car LoansUp to 72 months
Used Car Loan2003-2005 up to 60 months 2002 up to 48 months Older models up to 36 months
Boat, RV, & Trailer LoansUp to 96 months
Personal Loan12, 24, 36, 48, 60 months
Education LoanUp to 60 months
Home Improvement LoanUp to 96 Months
Home Equity LoanUp to 180 months Member responsible for closing costs No application fee No Title Insurance required on most loans Excluded from Life Insurance Loan RatesRates are subject to change and are dependent upon credit approval
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NEW RVs, BOATS, MOTORCYCLE, ETC. |
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| Max Term | APR* | |
| Up to 36 Months | as low as 5.75% | |
| (over $10,000) | 37 to 72 Months | as low as 6.00% |
| (over $15,000) | 73 to 96 Months | as low as 6.50% |
| (over $20,000) | 97 to 120 Months | as low as 7.00% |
Used RVs, Boats, Motorcycles, Ect. |
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| Max Term | APR* | |
| Up to 36 Months | as low as 6.75% | |
| (over $10,000) | 37 to 72 Months | as low as 7.00% |
| (over $15,000) | 73 to 96 Months | as low as 7.50% |
| (over $20,000) | 97 to 120 Months | as low as 8.00% |
New Cars and Trucks |
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| Year | Max Term | APR* |
| 2010-2012 New | up to 60 Months | as low as 3.99% |
| 2009 - 2011 New | up to 72 Months | as low as 4.99% |
Used Cars and Trucks |
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| Model Year | Max Term | APR* |
| 2008 - 2010 | up to 60 Months | as low as 4.75% |
| 2007 | up to 60 Months | as low as 5.00% |
| 2006 | up to 60 Months | as low as 5.25% |
| 2005 | up to 48 Months | as low as 5.50% |
| 2004 | up to 36 Months | as low as 6.50% |
| Older Models | individual basis | as low as 8.00% |
Home Improvement |
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| Max Term | APR* | |
| up to 60 Months | as low as 6.00% | |
| up to 96 Months | as low as 6.50% | |
Home Equity |
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| Max Term | APR* | |
| up to 180 Months | as low as 6.75% | |
Personal Loans: Unsecured |
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| Max Term | APR* | |
| up to 60 Months | as low as 11.50% | |
Personal Loans: Share Secured |
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| Max Term | APR* | |
| up to 36 Months | as low as 4.75% | |
| up to 60 Months | as low as 5.25% | |
Education Loan |
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| Max Term | APR* | |
| up to 60 Months | as low as 6.25% | |
Credit Cards |
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| Description | Additional | APR* |
| No Annual Fee & no Cash Advance Fees | Plus Earn Rewards Points | 9.99% |
* Annual Percentage Rate |
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Mortgages |
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| Description | APR* | |
| Through CUC Mortgage | Call us for Rates | |
Summer Vacation Special Through September 30, 2010 |
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| Description | Max Term | APR* |
| Summer Vacation Loan $5000 Max | up to 12 Months | as low as 5.50% |
Wedding/Civil Union Loan Special |
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| Description | Max Term | APR* |
| Wedding/Civil Union Loan | up to 36 months | as low as 8.99% |
| Description | Max Term | APR* |
| Consolidation Loan | up to 18 Months | as low as 5.99% |
| up to 36 Months | as low as 7.99% | |
Rates are subject to change
Full Service Members: Active Savings, Share Draft, VISA, and Debit.
Share rates effective: 6/21/2010
Share Accounts |
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| Description | Rate | APY* |
| Regular Shares, Full Service Members | .25% | .25% |
| Regular Shares | .25% | .25% |
* Annual Percentage Yield |
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Share certificate rates effective: 6/21/2010
Share and IRA Certificates |
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| Term | Minimum | Rate | APY* |
| 3 Months, Full Service Members | $100 | .60% | .60% |
| 3 Months, Standard | $100 | .35% | .35% |
| 6 Months, Full Service Members | $100 | .75% | .75% |
| 6 Months, Standard | $100 | .50% | .50% |
| 12 Months, Full Service Members | $100 | 1.25% | 1.25% |
| 12 Months, Standard | $100 | 1.00% | 1.00% |
| 24 Months, Full Service Members | $100 | 1.50% | 1.50% |
| 24 Months, Standard | $100 | 1.25% | 1.25% |
| 30 Months, Full Service Members | $100 | 1.75% | 1.75% |
| 30 Months, Standard | $100 | 1.50% | 1.50% |
| 36 Months, Full Service Members | $100 | 1.90% | 1.90% |
| 36 Months, Standard | $100 | 1.65% | 1.65% |
| 48 Months, Full Service Members | $100 | 2.30% | 2.30% |
| 48 Months, Standard | $100 | 2.05% | 2.05% |
| 60 Months, Full Service Members | $100 | 2.55% | 2.55% |
| 60 Months, Standard | $100 | 2.30% | 2.30% |
| Precious Person CDs | $000 | 1.10% | 1.10% |
* Annual Percentage Yield |
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| Buildable 10 Month, Full | $000 | 1.10% | 1.10% |
| Buildable 10 Month, Standard | $000 | .85% | .85% |
| Buildable 12 Month, Full | $000 | 1.25% | 1.25% |
| Buildable 12 Month, Standard | $000 | 1.00% | 1.00% |
| Buildable 15 Month, Full | $000 | 1.35% | 1.35% |
| Buildable 15 Month, Standard | $000 | 1.15% | 1.15% |
| Buildable 24 Month, Full | $000 | 1.50% | 1.50% |
| Buildable 24 Month, Standard | $000 | 1.25% | 1.25% |
Your savings federally insured to at least $250,000 and
backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.We operate in accordance with the Federal Fair Housing Law & the Equal Credit Opportunity Act.