Auto Loans		Auto Loan Application
Model Year	Term	As Low As (APR)*
New to 2013	Up to 63 Months	6.74%
New to 2013	Up to 75 Months	7.24%
New to 2013	Up to 84 Months**	7.74%
**Min. Amount Financed $40,000

Boats, Motor Homes, 5th Wheel, and RV Trailers		Loan Application
Model Year	Term	As Low As (APR)*
New Untitled	Up to 60 Months**	7.75%
New Untitled	Up to 120 Months**	8.25%
Used 2023-2019	Up to 84 Months	8.75%
Used 2018-2013	Up to 48 Months	9.25%
**Min. Amount Financed $20,000

Motorcycles		Motorcycle Loan Application
Model Year	Term	As Low As (APR)*
New Untitled	Up to 60 Months	7.75%
Used 2023-2020	Up to 48 Months	8.25%
Used 2019-2017	Up to 36 Months	7.25%
Used 2016-2013	Up to 30 Months	7.50%

Secured
100% Share or Certificate	Fixed at 3.00 % over rate being earned on deposit
Signature		Signature Loan Application
Min. of $500, Max. of $7,500		As low as 10.50%*

Home Equity Line of Credit
Contact Credit Union for Details
Low Closing Costs
Rates as low as Wall Street Prime and is a Variable Rate

*APR = Annual Percentage Rate. Actual rate based on credit history. Vehicle loan to value may affect rate. Effective January 30, 2023 and subject to change without notice.

FILING FEE: If the credit union takes a security interest in your collateral, you will be charged a lien filing fee at the time of an advance. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain lien on your property. The amount of the fee will be disclosed on the voucher. NEGATIVE CREDIT: Rates will be 1% to 9% higher for poor credit worthiness, such as bankruptcy, charge-offs, collections, and repossessions. COLLECTION COST: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. LATE FEE: If you are more than 10 days late in making a payment, you will pay a late charge of 5% of the payment or a maximum of $25.00 NOTE: All loan rates are quoted as annual percentage rates and are subject to change by board action.

Visa

Platinum:     7.9%*

Classic:       12.90%*

Secured:     11.90%*

Loan Protection
Credit Life and Credit Disability Insurance is available with most loans. This optional coverage is underwritten by CMFG Life Insurance Company. Please ask your credit union loan officer for details.