loan bar
As of September 30, 2013

AUTO LOANS
Year Term
APR*
 
2010 - NEW Up to 36 Months 3.50% - 14.00%
  37 to 48 Months 4.00% - 14.25%
  49 to 60 Months 4.50% - 14.50%
  61 to 75 Months 5.00% - 14.75%

2008 - 2009 Up to 36 Months 3.75% - 14.00%
  37 to 48 Months 4.25% - 14.25%
  49 to 66 Months 4.75% - 14.50%

2006 - 2007 Up to 36 Months 4.00% - 14.00%
  37 to 48 Months 4.50% - 14.25%

2005 - OLDER Up to 48 Months 7.00% - 14.00%
 
ALL OTHER SECURED LOANS
Year Term
APR*
 
2006 - NEW Up to 36 Months 5.00% - 14.25%
  37 to 48 Months 5.50% - 14.50%
  49 to 60 Months 6.00% - 14.75%
  61 to 75 Months 6.50% - 15.00%

2006 - OLDER Up to 48 Months 7.00% - 14.00%
 
SIGNATURE / UNSECURED LOANS
Term
APR*
 
48 max / $10,000 max 7.00% - 14.00%
FICO score above 720 - 3 times gross monthly income
FICO score between 650 and 719 - 2 times gross monthly income
FICO score below 650 -1 times gross monthly income
 
SHARE SECURED LOANS
Term
APR*
 
Up to 60 Months 4.50%
61 to 72 Months 5.50%
73 to 144 Months 6.00%
 
Exception: May finance up to 120 months on boats, houseboats, motor homes and farm equipment new to 3 years old with a minimum sales price of $18,000.00 at 9.50% APR. Member must have excellent credit rating.
*APR = Annual Percentage Rate
We do not discriminate on the basis of color, religion, national origin, sex, marital status, receipt of public assistance, or age (provided the applicant is old enough and otherwise has the legal authority to enter into a binding contract), and good faith exercise of rights under the consumer protection act.

***Favorable credit rating and the ability to repay.***