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Loans

Loan Rates Effective 09/01/2014
*Rates and terms are subject to change.

Secured Loans – New & Used Vehicles, Recreational Vehicles including ATV’s, Boats, Motorcycles, Motor Homes, Campers, Travel Trailers, Antique Cars, and Farm Equipment

Score

Grade of Paper

24 Months

36 Months

48 Months

60 Months

72 Months

84 Months

 

 

730 +

Platinum

2.49%

2.49%

2.49%

2.49%

3.49%

4.99%

 

 

680 – 729

A

2.49%

2.49%

2.49%

2.49%

3.49%

4.99%

 

 

640 – 679

B

3.49%

3.49%

3.49%

3.49%

4.49%

5.99%

 

 

600 – 639

C

4.49%

4.49%

4.49%

4.49%

5.49%

6.99%

 

 

550 - 599

D

5.49%

5.49%

5.49%

5.49%

6.49%

7.99%

 

 

549 or Less

E

7.49%

7.49%

7.49%

7.49%

8.49%

9.99%

 

 

 

Unsecured Loans – Personal Loans, Home Improvement Loans, and Consolidation Loans

*Up to 60 Months

 

Score

Grade of Paper

 

Rates

 

 

 

730 +

Platinum

 

7.99%

 

 

 

680 – 729

A

 

8.99%

 

 

 

640 – 679

B

 

9.99%

 

 

 

600 – 639

C

 

10.99%

 

 

 

550 - 599

D

 

12.99%

 

 

 

549 or Less

E

 

14.99%

 

 

 

 

 

Other Loan Types

 

 

 

Rates

 

Share Secured Loans

*Secured by Certificate – 2.00% above CD rate

 

 

2.00%

 

 

 

 

 

 

 

Education Loans

 

*Maximum per Household $15,000.00

*Proof of Enrollment Necessary

 

 

5.00%

 

Business Purpose Loans

 

*Maximum Repayment – 10 Years
*Up to $50,000.00

 

 

7.00%

 

Long Reach MasterCard Credit Card

*Maximum Amt. $10,000.00

*Loan 15% of Gross Annual Income

 

 

10.90%

 

Demand 90 Day Note *Maximum Amt. $1,000.00    

9.90%

 

 

*Motor Homes & Farm Equipment are eligible for terms up to 10 years at 100% of sticker price or NADA Book Value. The interest rate will increase by 0.25% for each year after the stated rate for 84 months.

*Mobile Home terms may go up to 180 months. No Down-Payment is required on Single-Wide Mobile Homes.

*Applies to Double Wide (Manufactured Homes) We will loan up to 95% of the sticker price or NADA value, if the member owns the land. We will loan up to 90% of the sticker price or NADA value, if the member does not own the land.