Approval and your Annual Percentage Rate may be higher depending on your credit worthiness. Please ask a Financial Service Representative for details regarding how your rate is determined. Interest rates are subject to change and are as low as those listed below. Other restrictions may apply.
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Loan Rates
Vehicles - 2018 and Newer*
| Terms | APR | Payment per $1000 |
|---|---|---|
| 48 months | 4.99% | $23.02 |
| 60 months | 5.24% | $18.98 |
| 66 months | 5.49% | $17.59 |
| 72 months | 5.74% | $16.45 |
| 78 months | 6.49% | $15.75 |
| 84 months (Vehicle Years: New 2024-2025) | 7.74% | $15.46 |
*For vehicle years 2018 - 2025. Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates stated subject to maximum 80% loan to value, and age of collateral. Contact us for details.
Vehicles - 2017 and Older*
| Vehicle Year | Terms | APR | Payment per $1000 |
|---|---|---|---|
| 2015-2017 | 48 months | 5.99% | $23.48 |
| 66 months | 6.24% | $17.94 | |
| 72 months | 7.24% | $17.16 | |
| 2011 - 2014 | Up to 51 months | 7.74% | $23.07 (51 months) |
*Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates stated subject to 80% maximum loan to value, and age of collateral. Contact us for details.
Motorcycles and Personal Watercraft*
| Terms | APR | Payment per $1000 |
|---|---|---|
| 36 months | 6.55% | $30.67 |
| 48 months | 6.75% | $23.83 |
| 60 months | 7.99% | $20.27 |
*Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates subject to maximum loan to value, and age of collateral. Contact us for details.
New and Used Marine and RV*
| Terms | APR | Payment per $1000 |
|---|---|---|
| 48 months | 6.74% | $23.83 |
| 60 months | 6.99% | $19.80 |
| 72 months | 7.24% | $17.16 |
| 84 months | 7.49% | $15.33 |
| 120 months | 7.74% | $12.00 |
| 144 months | 7.99% | $10.82 |
| 180 months | 8.24% | $9.70 |
*Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts and limitations on age of collateral apply to various terms. Lowest rates subject to maximum loan to value, and age of collateral. Contact us for details.
Other Loan Options
| Loan Type | Terms | APR | Payment per $1000 |
|---|---|---|---|
| Signature Loan | Up to 60 months | 10.70% | $21.59 (60 months) |
| Personal Line of Credit | 10.70% | * | |
Home Equity Lines of Credit
| Loan Type | APR | Term | Payment per $1000 |
|---|---|---|---|
| Variable Rate (Up to 80% combined loan to value) | 4.99% | 180 Months | n/a |
4.99% APR is an introductory rate being offered for 12 months for a limited time. After 12 months, rate will adjust to variable rate, set at prime rate, or minimum of 4.00% APR. Approval subject to credit worthiness. Minimum loan amount is $5,000.00. Maximum loan amount $250,000. Maximum loan-to-value is 80%. Equity can be accessed over 7 year draw period. No appraisal required, but if needed, member will pay for cost of appraisal. Home Equity Lines of Credit are available only for properties located in Illinois and Missouri.
Retire Your Mortgage Program*
| Loan Type | Rate | APR | Term | Payment per $1000 |
|---|---|---|---|---|
| Up to 75% loan to value | 5.99% | 6.314% | 96 Months | $13.14 |
| Up to 75% loan to value | 6.25% | 6.479% | 144 Months | $9.89 |
*This product is a Home equity loan that will exist as the first mortgage. Minimum loan amount $30,000 and Maximum $250,000. $599 closing costs due at time of approval. Member pays cost of appraisal if needed. APR is based upon $50,000 loan amount and current base rate.
Credit Cards
Interest Rates and Interest Charges
| ANNUAL PERCENTAGE RATE (APR) for Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card. | Platinum: 8.9% APR |
|---|---|
| How to Avoid Paying Interest on Purchases | Your due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau. |
Fees
| Annual Fees | None |
|---|---|
| Penalty Fees - Late Payment - Returned Payment |
|
| Transaction Fees - Foreign Transaction - Balance Transfer - Cash Advance |
|
| International Service Assessment Fee | 1% of transaction amount |
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).
