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Consumer Loan Rates

Holiday Loan

Rates effective as of: December 2, 2023

*Annual Percentage Rate effective 11/1/23 and expires 12/31/23. Loan amount dependent upon credit worthiness. Existing FFCU and TLC loans not eligible. Payment example: A $2,000 loan at 8.99% APR for 12 months has a $176 monthly payment.

New Autos (2022-2023)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price.

Used Autos (10 years old or newer)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price.
^ Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.

Used Autos (Over 10 years old)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price.
^ Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.

New RVs (2022-2023)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

Used RVs (10 years old or newer)

Rates effective as of: December 2, 2023

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

Used RVs (Over 10 years old)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

New Boats (2022-2023)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

Used Boats (10 years old or newer)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

Used Boats (Over 10 years old)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 – Up to 180 months
RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

New Adventure – Motorcycles, Water Crafts (2022-2023)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure – Motorcycle & Water Crafts
under $10,000 – Up to 60 months
over $10,000 – Up to 84 months
Used Adventure – Motorcycle & Water Crafts
under $25,000 – Up to 60 months
over $25,000 — Up to 84 months
Used Adventure – Motorcycle & Water Crafts over 10 yrs old
under $20,000 – Up to 48 months

Used Adventure – Motorcycles, Water Crafts (10 years old or newer)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure – Motorcycle & Water Crafts
under $10,000 – Up to 60 months
over $10,000 – Up to 84 months
Used Adventure – Motorcycle & Water Crafts
under $25,000 – Up to 60 months
over $25,000 — Up to 84 months
Used Adventure – Motorcycle & Water Crafts over 10 yrs old
under $20,000 – Up to 48 months

Used Adventure – Motorcycles, Water Crafts (Over 10 years old)

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure – Motorcycle & Water Crafts
under $10,000 – Up to 60 months
over $10,000 – Up to 84 months
Used Adventure – Motorcycle & Water Crafts
under $25,000 – Up to 60 months
over $25,000 — Up to 84 months
Used Adventure – Motorcycle & Water Crafts over 10 yrs old
under $20,000 – Up to 48 months

Visa Platinum

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Visa Classic

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Personal Loans

Rates effective as of: December 2, 2023

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Personal Lines of Credit

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Home Equity Lines of Credit*

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Annual percentage rate is 1.5% higher for loan-to-value over 80%.
^Variable Rate is equal to the Prime rate as published in the Wall Street Journal plus a margin of 0.00% subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $500 – $1,500.

Fixed Rate Home Equity Limited Draw Line of Credit**^

Rates effective as of: December 2, 2023

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
**Rate dependent on term. Contact the Credit Union for additional information.
***Annual percentage rate is 1.5% higher for loan-to-value over 80%.
^ Property Insurance is required on home equity and mortgage loans. Typical closing costs range from $500 – $1,500.

Raw Land

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Buildable Lots

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.

Manufactured Homes^

*Annual Percentage Rates effective December 2, 2023 and subject to change without notice.
^ Property Insurance is required on home equity and mortgage loans.

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Personal Savings

Rate is effective December 2, 2023 and is subject to change.
Also see terms for accounts.

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