Effective January 1, 2011.  Rates subject to change.

Loan interest rates could be as low as 3.50% APR (annual percentage rate) up to 17.95%. The actual rate will depend on your individual credit grade (A-B-C-D-E) and the collateral age / value if considered.

We have adopted "risk-based" pricing in order to become the lender of choice for all our members, by offering the best possible rate based on each individual's credit history / score.  Certain members represent more risk than others.   Less creditworthy members benefit by qualifying for a loan with our Credit Union instead of resorting to higher-cost alternatives such as finance companies.  Members with good credit credit history can qualify for a loan at a competive rate with us so they do not have to turn to other financing sources.

Other factors are involved (disposable income, debt-to-income ratio, unsecured credit, etc.) - Contact Us for more information.