Loan Rates

We offer a full range of loan products to meet your needs including loans for individuals and businesses.

Effective 11/22/2024

Loan Type	Max. Term	Rates (APR)
SHARE SECURED LOANS	Varies	1% over earning rate (Minimum 4.75%)

NEWER VEHICLES *	Up to 84 Months	5.75% - 14.50%
USED VEHICLES **	Up to 72 Months	5.75% - 12.50%
OLDER VEHICLES ***	Up to 36 Months	6.50% - 15.50%
* Newer Vehicles - under 10 years old and 100K miles Used Vehicles - 10-15 years old or over 100K miles * Older Vehicles - Over 15 years old		100% of purchase price, NADA or KB

RECREATIONAL VEHICLES	Up to 120 Months	6.75% - 16.00%
Rates based on age of vehicle, credit history, down payment and term of loan.
Payment example: On a $27,000 vehicle or RV loan at 6.75% APR for 72 months, you would make 72 payments of $457.21 (See loan calculator)
SIGNATURE	Up to 60 Months	10.25% - 16.00%
OVERDRAFT LINE OF CREDIT	Revolving	10.00% - 15.00%
Minimum payment is determined by amount of credit line, with a minimum payment and term of loan.

MANUFACTURED HOMES *	Contact CU For Terms	13.00%
RESIDENTIAL REAL ESTATE	Up to 240 months	5.75% - 11.75%
CONSTRUCTION LOANS & HELOC		Call Credit Union
BUSINESS REAL ESTATE **	Up to 180 Months	7.25% - 14.00%
BUSINESS LOANS ***	Contact CU for Terms	7.50% - 13.50%
* No Real Estate on Manufactured Homes Business Real Estate Loans include Commercial & Agricultural Real Estate loans * Business Loans include both Agricultural and Commercial Operating Loans and Term Loans
VISA Credit Cards Partnered with LSC	MAX Term	Rates (APR)
VISA	Revolving	Variable
Credit Card Payments	www.eZcardinfo.com
Credit Line increase Requests	www.mycucard.com