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 07-01-18)
 
Titled - Collateral Loans*
 
New Vehicles
 
Credit Scores
36 Months
48 Months
60 Months
72 Months
700 and higher
3.49%
3.99%
4.49%
4.99%
650 - 699
4.99%
5.49%
5.99%
6.49%
600 - 649
6.49%
6.99%
7.49%
7.99%
550 - 599
10.99%
11.49%
11.99%
12.49%
549 and below
18.00%
18.00%
18.00%
18.00%
 
Used Vehicles
Credit Scores
16-18,
72 Mos.
14-15,
60 Mos.
12-13,
48 Mos.
10-11,
36 Mos.
700 and higher
4.99%
5.49%
5.99%
6.49%
650 - 699
6.49%
6.99%
7.49%
7.99%
600 - 649
7.99%
8.49%
8.99%
9.49%
550 - 599
12.49%
12.99%
13.49%
13.99%
549 and below
18.00%
18.00%
18.00%
18.00%
 
New Motorcycles, Watercraft, and Campers
Credit Scores
36 Months
48 Months
72 Months
700 and higher
4.49%
5.49%
6.49%
650 - 699
6.49%
7.49%
8.49%
600 - 649
7.49%
8.49%
9.49%
550 - 599
11.49%
12.49%
13.49%
549 and below
18.00%
18.00%
18.00%
 
Used Motorcycles, Watercraft, and Campers
Credit Scores
15-18,
72 Mos.
12-14,
48 Mos.
10-11,
36 Mos.
700 and higher
6.49%
7.49%
8.49%
650 - 699
8.49%
9.49%
10.49%
600 - 649
9.49%
10.49%
11.49%
550 - 599
13.49%
14.49%
15.49%
549 and below
18.00%
18.00%
18.00%
 
Personal Loans
Credit Scores
Signature Limits/Rates
700 and higher

$8,000 = signature limit

Up to $8,000 = 8% (48 months max.)
$7,001 to $15,000 = 9%*

650 - 699

$7,000 = signature limit

Up to $7,000 = 10% (36 months max.)
$6,001 to $15,000 = 11%*

600 - 649

$6,000 = signature limit

Up to $6,000 = 12%
$5,001 to $15,000 = 13%*

550 - 599

$5,000 = signature limit

Up to $5,000 = 15%
$5,001 to $15,000 = 16%*

549 and below

$500 = signature limit**

Up to signature limit = 18%

*Required guarantor(s) or appropriate titled collateral.
**Requires payroll deduction for loan payments. Will be subject to a $500 loan limit, upon meeting loan qualifications.
 
Share Pledged Loans
Credit Scores
Rates
Not Applicable

6% All

 
Overdraft Loans - Line of Credit Amount: $500 to $2500*
Credit Scores
Rates
Not Applicable

18% All

 
*Applicants who do not have a satisfactory payment history with the credit union for at least five (5) years will be subject to a $500 limit. The maximum line of credit available will be reduced, dollar for dollar, to the extent that the sum of any line of credit for Overdraft Loans and the outstanding principal balance of any Personal Loans exceed the applicant’s signature limit for Personal Loans (based upon such applicant's credit score).
 
*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.