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Current Loan Rates

Rates and terms are subject to change at any time without prior notice.
Contact a Member Service Representative at any of our locations for details.

Truth in Lending Disclosure: Consumer Loans.
 Loans are subject to credit approval. Final Loan rate is based upon applicants credit history using current Credit Union loan Policy.
 
New Vehicle Loans - Never Been Titled
Tier Score 24
Month
APR*		 36
Month
APR*		 48
Month
APR* 		60
Month
APR*		 72
Month
APR*		 84
Month
APR*		 LTV Effective
A+725+4.99%4.99%4.99%5.75%6.25%6.75%120%6/24/2009
A685-7245.25%5.25%5.25%5.99%6.50%6.99%115%6/24/2009
B635-6847.99%7.99%7.99%8.25%8.50%8.90%105%6/24/2009
C600-6348.99%8.99%9.99%10.90%11.25%N/A95%6/24/2009
Credit Builder550-59913.99%13.99%15.99%16.99%N/AN/A90% Max6/9/2010
Minimum amount financed for 84 months is $15,000.
New Vehicles: Maximum advance based on MSRP.
Maximum loan amount on Daewoo vehicles is 50% of Kelly Retail or MSRP. Antique, classic or high-end vehicles will be subject to case by case approval. Maximum loan amount may be affected according to market conditions.Rates subject to change without notice.

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Used Vehicle Loans - Has been titled (not to exceed 14 model years)
Tier Score 24
Month
APR*		 36
Month
APR*		 48
Month
APR* 		60
Month
APR*		 72
Month
APR*		 84
Month
APR*		 LTV Effective
A+725+5.25%5.25%5.25%6.00%6.50%6.99%120%6/24/2009
A685-7245.50%5.50%5.50%6.25%6.85%7.25%115%6/24/2009
B635-6848.25%8.25%8.25%8.50%8.99%9.50%105%6/24/2009
C600-6349.25%9.25%9.25%11.50%12.25%N/A95%6/24/2009
Credit Builder550-59914.25%14.25%16.25%17.25%N/AN/A90% Max6/9/2010
Minimum amount financed for 84 months is $15,000.
Used Vehicles: Maximum advance based on suggested Retail per Kelly Bluebook
Maximum loan amount on Daewoo vehicles is 50% of Kelly Retail or MSRP. Antique, classic or high-end vehicles will be subject to case by case approval. Maximum loan amount may be affected according to market conditions.Rates subject to change without notice.

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Motorcycle Loans - New
Tier Score 24
Month
APR*		 36
Month
APR*		 48
Month
APR* 		60
Month
APR*		 72
Month
APR*		 Max
Advance 		Effective
A+725+4.99%4.99%5.99%6.99%7.99%120%3/26/2009
A685-7245.99%5.99%6.99%7.99%8.99%115%3/26/2009
B635-6847.99%7.99%8.99%9.99%10.50%105%8/5/2009
New Motorcycles: Max advance based on MSRP.
Includes Scooters, Touring, Cruisers and Dual-Sport Bikes.
No Street Sport or Moto Cross Bikes.
If there's no value MSRP or KBB we will not finance it.
We do not accept salvaged titles or business purpose loans.
Copy of Driver License for all applicants with a motorcycle endorsement. In AZ the endorsement is indicated by the letter "M" or has proof of completed motorcycle training course.

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Motorcycle Loans - Used (not to exceed 6 model years)
Tier Score 24
Month
APR*		 36
Month
APR*		 48
Month
APR* 		60
Month
APR*		 72
Month
APR*		 Max
Advance 		Effective
A+725+7.50%7.50%7.50%9.00%9.25%90%3/26/2009
A685-7248.50%8.50%8.50%9.45%9.75%85%3/26/2009
B635-6849.50%9.50%9.50%10.45%10.75%80%3/26/2009
Used Motorcyles: Max advance based on suggested Retail per Kelley Blue Book.
Includes Scooters, Touring, Cruisers and Dual-Sport Bikes.
No Street Sport or Moto Cross Bikes.
If there's no value MSRP or KBB we will not finance it.
We do not accept salvaged titles or business purpose loans.
Copy of Driver License for all applicants with a motorcycle endorsement. In AZ the endorsement is indicated by the letter "M" or has proof of completed motorcycle training course.

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Recreation Vehicles, Travel Trailers, 5th Wheels, Boats, and New Trailers in Gated Communities - New/Used
Tier Up to 60
Months
APR* 		72
Month
APR*		 Max Advance Effective
A+5.90%6.90%90%9/7/2005
A6.90%7.90%85%9/7/2005
B7.90%8.90%80%9/7/2005
 

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Motor Homes - New/Used
Tier Up to 60
Months
APR* 		72
Month
APR*		 Up to 144 Months APR*
(New Only)

Max Advance
New / Used

 Effective
A+5.90%6.90%7.90%100% / 80%6/9/2010
A6.90%7.90%8.90%100% / 80%6/9/2010
B7.90%8.90%9.90%100% / 80%6/9/2010
144 month loans are for new motor homes only

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ATV’s, Recreational Motorcycles, Jet Skis, Snowmobiles - Up to 60 Months
Tier New Used Max Advance Effective
A+7.99%9.99%90%8/12/2009
A8.99%10.99%85%8/12/2009
B10.99%11.99%80%8/12/2009

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Trailers (Boat, Horse, Utility, etc.) - Up to 48 Months
Tier New Used Effective
A+7.90%8.90%8/12/2009
A8.90%9.90%8/12/2009
B9.90%10.90%8/12/2009

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Home Equity Loans
Description Annual Percentage Rate (APR)
Up to 85% LTV, Home Equity Loan, From 7 to 15 years, closed-end, fixed-rate.Call or E-mail for quote
Up to 85% LTV, Home Equity Loan. Up to 7 years, closed-end, fixed-rate.Call or E-mail for quote
Call our Mortgage Loan Officer at 459-1860 for more details.

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Home Equity Line of Credit (HELOC) Open-End Loan
Description Annual Percentage Rate (APR)
Up to 85% LTVCall or E-mail for quote
Call our Mortgage Loan Officer at 459-1860 for more details.

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Construction Loans
Description Annual Percentage Rate (APR)
9 Month, fixed-rate, Construction LoansCall or E-mail for quote
Call our Mortgage Loan Officer at 459-1860 for more details.

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Other Real Estate Loans
Description Annual Percentage Rate (APR)
15 and 30 year, closed-end, fixed-rate, 1st MortgageCall or E-mail for quote
Call our Mortgage Loan Officer at 459-1860 for more details.

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Signature Loans
Tier 12
Month
APR*		 24
Month
APR*		 36
Month
APR*		 48
Month
APR* 		Effective
A+5.90%6.90%8.90%10.00%8/12/2009
A6.90%7.90%9.90%11.00%8/12/2009
B - Max $10,0008.90%9.90%11.90%13.00%8/12/2009
C - Max $1,00010.90%11.90%13.90%15.00%8/12/2009
Credit Builder - Max $50014.90%15.90%16.90%17.90%6/9/2010

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Share Secured Loan
Description Annual Percentage Rate (APR) Effective
Share Secured Loan2.50% over last declared dividend with a minimum of 4.50% APR*9/7/2005
TSC Secured Loan2.50% over TSC APR* not less than 4.50% APR*9/7/2005
IRA's and IRA Certificates cannot be used as collateral.

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Line of Credit / Overdraft Protection
Description Annual Percentage Rate (APR) Effective
A+8.90%9/7/2005
A10.90%9/7/2005
B - Max $10,00012.90%9/7/2005
C - Max $1,00014.90%9/7/2005
Credit Builder - Max $50017.90%6/9/2010
Contact a Member Service Representative at any of our locations for details.

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*Annual Percentage Rate
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