Loan Rates

 

Effective: 12/1/23

Type Loan Amount Maximum Term Available Annual Percentage Rate
Personal (unsecured) Max 72 months 12.75%
Tuition Loan
(for elementary through high school expenses)		 Max 60 months 10.99%
Share Secured Max 84 months pledged rate + 7.99%
Share Secured $20,000 and over Max 120 months pledged rate + 8.99%
New/Used Motorcycle*
(up to 6 model years old)		 Max 84 months 7.50% 120% financing***
New Auto*
Includes demos & refinances of new auto loans from other institutions		 up to 36 months 5.49% 120% financing***
37-72 months 5.79% 120% financing***
$15,000 and over 73-84 months 6.25% 120% financing***
Used Auto*
(up to 6 model years old)		 up to 36 months 5.49% 120% financing***
37-72 months 5.79% 120% financing***
$15,000 and over 73-84 months 6.25% 120% financing***
Older Used Auto* (7-20 years old) Max 60 months 6.99% 100% financing***
Recreation Vehicle under $25,000 Max 84 months 8.99% +UCC-1 filing fee**
$25,000 & over only Max 144 months 10.50% +UCC-1 filing fee**
Home Improvement Loan Max 84 months 10.99%
Debt Consolidation Loan Max 84 months 12.50%
Visa Credit Card Line of Credit See our Visa “Application & Solicitation Disclosure”


Examples of Repayment Terms:

Personal Loan (12.75%APR) - 60 monthly payments of $22.63 per $1,000 borrowed
New or Used Auto Loan (6.25%APR) - 84 monthly payments of $14.73 per $1,000 borrowed
New or Used Auto Loan (5.79%APR) - 60 monthly payments of $19.24 per $1,000 borrowed
Older Used Auto Loan (6.99%APR) - 60 monthly payments of $19.80 per $1,000 borrowed
RV/Mobile Home Loan (8.99%APR) - 84 monthly payments of $16.08 per $1,000 borrowed
RV/Mobile Home Loan (10.50%APR) - 144 monthly payments of $12.24 per $1,000 borrowed
Home Improvement Loan (10.99%APR) - 84 monthly payments of $17.12 per $1,000 borrowed
Tuition Loan (10.99%APR) - 12 monthly payments of $88.37 per $1,000 borrowed
Debt Consolidation Loan (12.50%APR) - 84 monthly payments of $17.92 per $1,000 borrowed

TO OBTAIN MONTHLY PAYMENTS FOR YOUR INDIVIDUAL SPECIFICATIONS: use our online calculator; our audio loan calculator at (203) 374-8200; or call us at (203) 374-6500.


*Refinance of Auto Loan from another institution-Member pays DMV Registration Fee (to record lien)
**Member pays applicable UCC-1 filing fee to record lien.
***Percentage of financing is based on NADA book value




Share Par Value - $25.00 (This amount equals one full share - you must have this amount on deposit in a Savings Account with us in order to obtain any other type of account with us or to receive our services.)