Login Security Information
  Virtual Branch Enrollment
  Forgot My Security Code?
 

Loan Rates

Rates Effective as of July 20, 2016. Rates subject to change without notice.

Loan Type
CONDITIONS
TERM
RATES AS LOW AS

2016
Cars, Trucks, and Passenger Vans

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

100% MSRP
36 to 84 Months
4.25% APR*
2012-2015
Used Cars, Trucks, and Passenger Vans
110% of NADA Retail or P/O, whichever is less
36 to 72 Months
4.25% APR*
2010-2011
Used Cars, Trucks, and Passenger Vans
110% of NADA Retail or P/O, whichever is less
36 to 60 Months
4.50% APR*
2009 and older
100% of NADA Retail or P/O, whichever is less
36 to 48 Months
4.75% APR*
-
Loan Amount> $20000.
60 Months
5.00%APR*
2016
New Motorcycles, ATVs, Jet Skis, Snow Mobiles
100% of NADA Retail or P/O, whichever is less
36 to 60 Months
5.00% APR*
2010-2015
Used Motorcycles, ATVs, Jet Skis, Snow Mobiles
90% of NADARetail or P/O, whichever is less
36 to 60 Months
5.75% APR*

2016
New RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with Living Quarters

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

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

2010-2015
Used RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with Living Quarters

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

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

2009 and older
Used RV's, Travel Trailers, Motor Homes, Fifth Wheels, Horse Trailers with Living Quarters

*Inspection Required

90% of NADA Retail or P/O, whichever is less
36 to 48 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/Credit Builder Loans
100% Share Balance
12 Months
Dividend rate earned plus 3.00% 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
12 Months
8.25% APR*
MasterCard
-
Revolving
Intro rate 1.99% First 6 mos then13.90% APR*

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 may 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.
Privacy Policy   Terms Of Use   Patriot Act