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In observance of Independence Day our office will be closed Friday, July 3rd, 2020

Have a safe and happy 4th of July!

 

 

 

 

 

 

 

Consumer Loans

Rates as of April 21, 2020

   
Auto Loans

New & Used Autos 

APR as low as*

 

2020 - 2019**

Up to 36 Months

2.24%*

 

2020 - 2019**

Up to 48 Months 2.49%*  

2020 - 2019**

Up to 60 Months

2.74%*

 

2020 - 2017**

Up to 72 Months

3.24%*

 

2020 - 2019**

Up to 84 Months***

4.24%*

 

2018 - 2013**

Up to 36 Months

2.49%*

 

2018 - 2013*

Up to 48 Months

2.74%*

 

2018 - 2016**

Up to 60 Months

2.99%*

 

2018 - 2016**

Up to 72 Months

3.49%*

*APR is Annual Percentage Rate - Rate as low as 

**Rate as low as - Actual rate may be higher depending on factors such as credit history, repayment term selected, amount financed, age and mileage of vehicle. Example of payment, pay $17.97 per month, per $1,000 borrowed for 60 months at 2.99% APR based on a 2018 vehicle and credit score over 730. Rates subject to change at anytime.

***To be eligible to finance for 84 months, vehicle must be current or prior year model with a minimum value and loan amount of $40,000. Maximum LTV is 100% of NADA Retail Value. 

Higher priced Titled Collateral - Recreational may be financed longer than 72 months. Please contact the credit union for further details.

Titled Collateral Recreational

Motorcycles, Boats, RV's, Travel Trailers 

APR as low as*

Titled Collateral Recreational

Up to 48 Months

3.74%*

Titled Collateral Recreational

Up to 60 Months

3.99%*

Titled Collateral Recreational

Up to 72 Months

4.49%*

Unsecured Loans

Signature & Signature LOC Loans

APR as low as*

Signature & Signature LOC

Up to 36 Months

11.00*    

Home Equity Loans^

NMLS# 1653541

APR as low as*

Home Equity Line of Credit**=

Variable Rate*+

5 to 15 years

3.49%*

 

 

Home Equity Line of Credit**=   

Fixed Rate*

5 years

Up to 10 years

Up to 15 years

3.49%*

3.99%*

4.24%*

 

^Home equity loans are available on owner occupied residences located in MN only.

**Payment example: $35,000.00 loan with a 5 year term up to 90% of County tax assessed property value at 3.49% APR, monthly payments would be $636.57. Closing costs range from $0.00 to $1,500.00; closing costs vary by loan amount and any promotions that may be currently offered.

*APR - Annual Percentage Rate - Rate as low as. Actual rate based on applicant's payment and credit history, property valuation used and repayment term selected.

=Appraisal fee may apply if needed to accomodate valuation and loan amount.

+Minimum Annual Percentage Rate (APR) Floor of 4.00%. Maximum APR is 18.00%. APR calculation is subject to change semi-annually, January 1 and July 1 and is based on the Prime Rate as published in the Wall Street Journal.

 

Certificate of Deposit Secured

Minimum Rate 3.00% 

APR as low as*

CD Secured

+2.50% of Security**

 3.00%*