Dividends
Dividends Paid Quarterly

Vacation, Kid's and Christmas Clubs
Dividends Paid Quarterly

 
 
Grade Classification
Credit Score Range
A
700 and higher
B
650 - 699
C
600 - 649
D
550 - 599
E
549 and below
 
CREDIT SCORES AND APPLICABLE RATES (effective 02-18-11)
 
Titled - Collateral Loans*
 
New Vehicles
 
Credit Scores
36 Months
48 Months
60 Months
72 Months
700 and higher
5.74%
5.74%
5.74%
6.74%
650 - 699
6.24%
6.49%
6.74%
7.74%
600 - 649
6.74%
6.99%
7.24%
7.99%
550 - 599
10.99%
10.99%
11.99%
11.99%
549 and below
18.00%
18.00%
18.00%
18.00%
 
Used Vehicles
Credit Scores
11-10,
60 Mos.
07-09,
48 Mos.
05-06,
36 Mos.
04,
36 Mos.
700 and higher
6.74%
6.74%
6.74%
6.99%
650 - 699
7.74%
7.74%
7.74%
7.99%
600 - 649
7.99%
7.99%
7.99%
8.99%
550 - 599
10.99%
10.99%
12.99%
13.99%
549 and below
18.00%
18.00%
18.00%
18.00%
 
New Motorcycles, Watercraft, and Campers
Credit Scores
36 Months
48 Months
60 Months
700 and higher
6.74%
6.99%
7.25%
650 - 699
8.74%
8.99%
9.25%
600 - 649
10.00%
10.24%
10.49%
550 - 599
11.99%
12.25%
12.50%
549 and below
18.00%
18.00%
18.00%
 
Used Motorcycles, Watercraft, and Campers
Credit Scores
07-11,
60 Mos.
05-06,
48 Mos.
03-04,
36 Mos.
700 and higher
7.49%
7.74%
8.49%
650 - 699
9.49%
9.74%
9.99%
600 - 649
10.49%
10.74%
10.99%
550 - 599
11.49%
11.74%
11.99%
549 and below
18.00%
18.00%
18.00%
 
Personal Loans
Credit Scores
Signature Limits/Rates
700 and higher

$7,000 = signature limit

Up to $7,000 = 9% (48 months max.)
$7,001 to $15,000 = 13%*

650 - 699

$6,000 = signature limit

Up to $6,000 = 10% (36 months max.)
$6,001 to $15,000 = 13%*

600 - 649

$5,000 = signature limit

Up to $5,000 = 13%
$5,001 to $15,000 = 13%*

550 - 599

$5,000 = signature limit

Up to $5,000 = 15%
$5,001 to $15,000 = 15%*

549 and below

$500 to $2,500 = signature limit**

Up to signature limit = 18%
Over signature limit up to $15,000 = 18%*

*Required guarantor(s) or appropriate titled collateral.
**Applicants who do not have a satisfactory payment history with the credit union for at least (5) years will be subject to a $500 signature limit.
 
Share Pledged Loans
Credit Scores
Rates
Not Applicable

6% All

 
 
*All loan rates are subject to credit approval
 
     
  Member savings in this credit union are insured up to $250,000 per account. This institution is not federally insured.