Rates

* New money only. **Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. 

Example: A $35,000 Auto/Motorcycle loan at 6.24% APR would have 72 monthly payments of $584.20. Insurances not included in this payment example.

May finance up to 108% of the value of the collateral plus sales tax. New money only.

Requirements:

• You must provide a copy of the purchase agreement.
• If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable).
• You must maintain full insurance coverage on the collateral with ServU listed as the lien holder.

* APR = Annual Percentage Rate

** Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required.

Example: A $30,000 Boat/Camper/RV loan at 8.49% APR would have 120 monthly payments of $371.95. Insurances not included in this payment example.

* APR = Annual Percentage Rate

Examples (estimated):

15 year: A $100,000 mortgage at 6.38% APR (6.30% interest rate) would have 180 payments of (an estimated) $860.15 (principal and interest only).
20 year: A $100,000 mortgage at 6.85% APR (6.77% interest rate) would have 240 payments of (an estimated) $761.55 (principal and interest only).
PROMO - 30 year: A $100,000 mortgage at 6.07% APR (5.99% interest rate) would have 360 payments of (an estimated) $598.91 (principal and interest only).

Learn more about Home Equity Loans

Example: A $50,000 Fixed Rate Home Equity loan at 90% LTV and 6.99% APR would have 180 monthly payments of $449.08. Insurances not included in this payment example.

* APR = Annual Percentage Rate

Example: A $50,000 Collateral Mortgage loan at 90% LTV and 7.24% APR would have 180 monthly payments of $456.09. Insurances not included in this payment example.

Example: A $15,000 Personal loan at 7.99% APR would have 36 monthly payments of $469.91. Insurances not included in this payment example.

Example: A $3,500 Promotional loan at 5.24% APR would have 24 monthly payments of $153.92. Insurances not included in this payment example.

Learn more about Home Improvement Loans

Unsecured funds available for home improvements - new money only.

Example: A $10,000 Home Improvement loan at 8.24% APR would have 60 monthly payments of $203.89. Insurances not included in this payment example.

Unsecured funds available for home improvements - new money only.

Requirements:

• Proceeds of the loan must be used for home improvements
• Member must be a home owner

The Home Improvement Loan is an unsecured loan. A lien WILL NOT be placed against the property.

Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000.
Total amount of traditional home improvement not to exceed $20,000.

Example: A $10,000 Home Improvement Plus loan at 8.24% APR would have 60 monthly payments of $203.89. Insurances not included in this payment example. 

Example: A $10,000 Share-Secured loan at 3.74% APR would have 36 monthly payments of $294.07. Insurances not included in this payment example.

Financing up to 100% of the appraised value of collateral plus sales tax.

Requirement:

Provide a copy of the purchase agreement

If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable).

Must maintain full insurance coverage on the collateral with ServU listed as the lien holder.

* APR = Annual Percentage Rate.

Example: A $10,000 Collateral loan at 7.49% APR would have 60 monthly payments of $200.31. Insurances not included in this payment example.

Fees

• How We Will Calculate Your Balance:
  We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.

• Billing Rights:
  Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

• Military Lending Act Disclosures:
  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

  Please call us at (800) 443-0663 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

OTHER FEES & DISCLOSURES

• Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if You are 5 or more days late in making a payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure.

• Balance Transfer Fee (Finance Charge): 2.00% of each balance transfer, $5.00 minimum. If Your Account is subject to a Balance Transfer Fee (finance charge), the fee will be charged to Your Account when You transfer a balance from an account of another creditor to the Account subject to Your Agreement.

• Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. If Your Account is subject to a Returned Convenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.

• Card Replacement Fee: $5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is issued to You for any reason.

• Document Copy Fee: $8.00 per document. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error made by the Credit Union).

• Rush Fee: $30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, without paying a fee for delivery.

• Statement Copy Fee: $1.50 per page. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of a sales draft or statement that You request.

• Collection Costs: You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable attorney's fees.

• Periodic Rates:
  The Purchase APR is which is 11.99% a monthly periodic rate of 0.9992%.
  The Balance Transfer APR is which is 11.99% a monthly periodic rate of 0.9992%.
  The Cash Advance APR is which is 11.99% a monthly periodic rate of 0.9992%.

Credit Insurance Program

As a credit union member, you now have the opportunity to elect Credit Life and Credit Disability Insurance on your credit union Visa card. Insurance is voluntary, not required. If elected, Credit Life Insurance will pay the insured balance on your VISA if you die. Joint Credit Life is also available to insure the lives of you and a second card holder, who is jointly and equally responsible for payment of your VISA card. Credit Disability Insurance can make that minimum monthly payment on your VISA if you become totally and continuously disabled. Disability benefits are payable for the duration stated in your VISA contract. The monthly premiums are calculated on your outstanding balance. Your VISA statement will show the cost of each month's insurance payment and will be automatically added to your bill. For more information call or stop in any of our offices.

TO REPORT LOST OR STOLEN CARDS, PLEASE CALL 1-800-443-0663.

Fees

• How We Will Calculate Your Balance:
  We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.

• Billing Rights:
  Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

• Military Lending Act Disclosures:
  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

  Please call us at (800) 443-0663 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

OTHER FEES & DISCLOSURES

• Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if You are 5 or more days late in making a payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure.

• Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.

• Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. If Your Account is subject to a Returned Convenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.

• Card Replacement Fee: $5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is issued to You for any reason.

• Document Copy Fee: $8.00 per document. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error made by the Credit Union).

• Rush Fee: $30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, without paying a fee for delivery.

• Statement Copy Fee: $1.50 per page. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of a sales draft or statement that You request.

• Collection Costs: You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable attorney's fees.

• Periodic Rates:
  The Purchase APR is which is 15.49% a daily periodic rate of 0.0424%.
  The Balance Transfer APR is which is 15.49% a daily periodic rate of 0.0424%.
  The Cash Advance APR is which is 15.49% a daily periodic rate of 0.0424%.

• Variable Rate: The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each calendar quarter (January, April, July and October), to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

• Margin:
  Purchases will be charged at 6.99% above the Index.
  Balance Transfers will be charged at 6.99% above the Index.
  Cash Advances will be charged at 6.99% above the Index.

Credit Insurance Program

As a credit union member, you now have the opportunity to elect Credit Life and Credit Disability Insurance on your credit union Visa card. Insurance is voluntary, not required. If elected, Credit Life Insurance will pay the insured balance on your VISA if you die. Joint Credit Life is also available to insure the lives of you and a second card holder, who is jointly and equally responsible for payment of your VISA card. Credit Disability Insurance can make that minimum monthly payment on your VISA if you become totally and continuously disabled. Disability benefits are payable for the duration stated in your VISA contract. The monthly premiums are calculated on your outstanding balance. Your VISA statement will show the cost of each month's insurance payment and will be automatically added to your bill. For more information call or stop in any of our offices.

TO REPORT LOST OR STOLEN CARDS, PLEASE CALL 1-800-443-0663.

Early withdrawal penalty may be imposed
$1000 minimum balance required
Jumbo Share Certificate = $100,000 or more** APY = Annual Percentage Yield | Rates subject to change without notice. Fees could reduce the earnings on the account.