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Loan Rates

Rates Effective as of May 15, 2013. Rates subject to change without notice.

Loan Type
CONDITIONS
TERM
RATES AS LOW AS

2014
Cars, Trucks, and Passenger Vans

** 84 month-Loan Amount Over $25,000.00

100% Invoice
36 to 84 Months
4.25% APR*
2010-2013
Used Cars, Trucks, and Passenger Vans
100% of NADA Retail or P/O, whichever is less
36 to 72 Months
4.25% APR*
2008-2009
Used Cars, Trucks, and Passenger Vans
100% of NADA Retail or P/O, whichever is less
36 to 60 Months
4.50% APR*
2007 and older
100% of NADA Retail or P/O, whichever is less
36 to 48 Months
4.75% APR*
2014
New Recreational Vehicles, Trailers, Jet Skis, Snow Mobiles, Motorcycles
100% of NADA Retail or P/O, whichever is less
36 to 60 Months
5.00% APR*
2008-2013
Used Recreational Vehicles, Trailers, Jet Skis, Snow Mobiles, Motorcycles
100% of NADARetail or P/O, whichever is less
36 to 60 Months
5.75% APR*

2014
New Boats, RV's, Travel Trailers, Motor Homes, Fifth Wheels

**120 month-Loan Amount Over $30,000

90% of NADA Retail or P/O, whichever is less
48 to 120 Months
5.00% APR*

2008-2013
Used Boats, RV's, Travel Trailers, Motor Homes, Fifth Wheels

**120 month-Loan Amount Over $25,000

90% of NADA Retail or P/O, whichever is less
48 to 120 Months
5.50% APR*

2007 and older
Used Boats, RV's, Travel Trailers, Motor Homes, Fifth Wheels

*Inspection Required

90% of NADA Retail or P/O, whichever is less
36 to 60 Months
6.00% APR*
Miscellaneous Secured
Equipment, Tractors, Utility Trailer, etc.
90% of NADA Retail or P/O, whichever is less
24 to 48 Months
7.50% APR*
Signature / LOC
12 - 48 mo. Maximum
-
10.50% APR*
Share Secured
100% Share Balance
12 Months
Dividend rate earned plus 5.00% APR*
Share Certificate Secured
-
-

Variable Rate Subject to change upon renewal of certificate.

Certificate rate plus 2.25% APR*

Holiday Loan
$1000.00 Max. Oct. 1 - Jan. 31
12 Months
8.00% APR*
Vacation Loan
$2500 Max. Mar. 1- Sept.1
12 Months
8.25% APR*
MasterCard
-
Revolving
13.90% APR*
Combined Collateral Secured
i.e. - CD / Share / Auto
20% of loan amount held on deposit
6 to 60 Months

Max. dividend rate paid 0.35%

Min. rate spread 2.25% APR* above dividend rate

REPOSSESSIONS Loans for repossessed vehicles being financed through LOCO CU will have an approval rate as low as 2.75% APR, and a term of up to 60 months.

Members who do not qualify for the standard rate will be subject to rate tiering in accordance with our Risk Based lending policy.
*** Interest rates are subject to change without notice based on Current Market Factors.
 
This credit union is federally insured by the National Credit Union Administration.
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