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Loan Rates
All Loan rates effective as of 03/13/2009.
All stated rates are subject to change at any time.
All fees quoted subject to change at any time.
Please call for a formal rate quote.
Tier will be determined based on credit worthiness in conjunction
with an internal score card.
All rates stated are Annual Percentage Rate.
| New
and Used Vehicles |
| |
A+ Tier |
A Tier |
B Tier |
C Tier |
D Tier |
| 2009 - 2007 Model Years |
| 48 Months |
5.75% |
5.75% |
8.25% |
10.00% |
14.50% |
| 66 Months |
6.25% |
6.25% |
8.50% |
10.50% |
15.00% |
| 72 Months |
6.50% |
6.50% |
9.00% |
N/A |
N/A |
| 78 Months |
7.50% |
7.50% |
N/A |
N/A |
N/A |
| |
| 2006 - 2005 Model Years |
| A tiers to 66 mo, BC&D tiers to 60 mo |
|
|
| 60 Months |
6.00% |
6.50% |
8.50% |
11.00% |
15.50% |
| 66 Months |
6.50% |
6.75% |
9.00% |
11.50% |
N/A |
| 72 Months |
7.00% |
7.50% |
N/A |
N/A |
N/A |
| |
| 2004 - 2003 |
| 60 Months |
6.75% |
7.25% |
9.25% |
13.00% |
16.00% |
| 66 Months |
7.00% |
7.50% |
N/A |
N/A |
N/A |
| |
|
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|
| 2002 and Older Models |
| A tier to 48 mo, B-C tier to 36 mo |
|
|
| 36 Months |
7.25% |
7.75% |
9.50% |
15.00% |
18.00% |
| 48 Months |
7.50% |
8.00% |
N/A |
N/A |
N/A |
| |
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| New
and Used Motorcycles |
| |
A Tier |
B Tier |
C Tier |
D Tier |
| 2009 - 2008 New Models |
| Under $10,000 or under 1000 cc |
| 48 Months |
9.00% |
10.00% |
14.00% |
17.00% |
|
Over $10,000 or over 1000 cc |
| 60 Months |
8.00% |
9.00% |
12.00% |
15.00% |
| |
| 2007 and Older Model Years |
| 36 Months |
10.00% |
11.00% |
15.00% |
18.00% |
| |
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| New
and Used Boats |
| |
A Tier |
B Tier |
C Tier |
D Tier |
| 2009 - 2008 Model Years |
| 60 Months |
7.25% |
9.25% |
11.25% |
14.25% |
| 120 Months |
8.50% |
9.50% |
11.50% |
14.50% |
| |
| 2007 and Older Models |
| 60 Months |
9.00% |
10.25% |
12.25% |
15.25% |
| 120 Months |
9.50% |
10.50% |
12.50% |
15.50% |
| |
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New
and Used RVs & Trailers
Terms
$5,000.00 - $9,999.00 --- 84 months
$10,000.00 - $14,999.00 --- 120 Months
$15,000.00 - $24,999.00 --- 144 Months
$25,000.00 & Above --- 180 Months |
| |
A+ Tier
|
A Tier
|
B Tier
|
| $5,000.00 - $9,999.00 |
8.00%
|
8.50%
|
10.25%
|
| $10,000.00 - $24,999.00 |
7.50%
|
8.00%
|
9.75%
|
| $25,000.00 - $49,999.00 |
7.25%
|
7.75%
|
9.50%
|
| $50,000.00 & Above |
7.20%
|
7.70%
|
9.40%
|
| |
|
New
and Used Secured - Max 80% LTV
Includes snowmobiles, jetski, ATV, lawn mowers. |
| |
A Tier
|
B Tier
|
C Tier
|
D Tier
|
| New - Up To 48 Months |
8.75%
|
9.75%
|
11.75%
|
13.75%
|
| Used - Up To 24 Months |
10.75%
|
11.75%
|
13.75%
|
15.75%
|
| |
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|
Heavy
Equipment- Max 75% LTV
Trucks over 1 ton are considered heavy equipment |
| |
A Tier
|
B Tier
|
C Tier
|
D Tier
|
| New - Up To 60 Months |
10.00%
|
11.00%
|
13.00%
|
15.00%
|
| Used - Up To 48 Months |
11.00%
|
12.00%
|
14.00%
|
16.00%
|
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| 1st Mortgages
|
|
Please call the credit union at (330) 847-7251 or 1-800-686-3733
for current 1st mortgage rates.
|
| |
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|
Home
Equity Line of Credit
The processing fee for HELOC is $300.00 |
| |
A Tier |
B Tier |
| Up to 180 Months |
6.00% |
7.00% |
| |
|
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|
Second Mortgage
- Home Equity
The processing fee for Second Mortgages is $300.00 |
| |
A Tier |
B Tier |
C Tier |
D Tier |
| Up to 120 Months |
6.50% |
7.50% |
10.50% |
11.50% |
| Up to 180 Months |
7.00% |
8.00% |
11.00% |
13.00% |
| |
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| Rental
Property Loans |
| |
A Tier
|
B Tier
|
C Tier
|
D Tier
|
| Up To 180 Months |
9.00%
|
10.00%
|
N/A
|
N/A
|
| |
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| Line
of Credit (Unsecured) |
|
A Tier
|
B Tier
|
C Tier
|
D Tier
|
|
8.50%
|
10.50%
|
17.50%
|
18.00%
|
| |
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| Share
Secured |
| 60 Months |
5.00%
|
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