Loan Rates


 

Effective: 1/31/19

Type Loan Amount Maximum Term Available Annual Percentage Rate
Personal (unsecured) Max 60 months 12.75%
Tuition Loan
(for elementary through high school expenses)
Max 60 months 10.50%
Share Secured Max 84 months pledged rate + 4.00%
Share Secured $20,000 and over Max 120 months pledged rate + 4.50%
New Auto
Includes demos & refinances of new auto loans from other institutions
Max 60 months 3.99% - 100% financing***
$18,000 and over Max 72 months 4.49% - 100% financing***
Used Auto
(up to 6 model years old)
Max 60 months 4.99% - 100% financing***
$18,000 and over Max 72 months 4.99% - 100% financing***
Older Used Vehicle (7-20 years old) Max 60 months 6.49% - 100% financing***
Recreation Vehicle under $40,000 Max 84 months 8.00% +UCC-1 filing fee**
$40,000 & over only Max 144 months 9.00% +UCC-1 filing fee**
Home Improvement Loan Up to $25,000 Max 72 months 9.99%
Over $25,000 Max 84 months 9.99%
Debt Consolidation Loan Max 60 months 11.75%
Visa Credit Card Line of Credit See our Visa “Application & Solicitation Disclosure”


Examples of Repayment Terms (when first payment is due 30 days after loan date)

Personal Loan (12.75%APR) - 60 monthly payments of $22.63 per $1,000 borrowed
Share Secured Loan (4.00%APR) - 84 monthly payments of $13.67 per $1,000 borrowed
Share Secured Loan (4.50%APR) - 120 monthly payments of $10.37 per $1,000 borrowed
New Auto Loan (3.99%APR) - 60 monthly payments of $18.41 per $1,000 borrowed
New Auto Loan (4.49%APR) - 72 monthly payments of $15.87 per $1,000 borrowed
Used Auto Loan (4.99%APR) - 60 monthly payments of $18.87 per $1,000 borrowed
Used Auto Loan (4.99%APR) - 72 monthly payments of $16.10 per $1,000 borrowed
Older Used Vehicle Loan (6.49%APR) - 60 monthly payments of $19.56 per $1,000 borrowed
RV/Mobile Home Loan (8.00%APR) - 60 monthly payments of $20.28 per $1,000 borrowed
Home Improvement Loan (9.99%APR) - 84 monthly payments of $16.60 per $1,000 borrowed
Tuition Loan (10.50%APR) - 12 monthly payments of $88.15 per $1,000 borrowed
Debt Consolidation Loan (11.75%APR) - 60 monthly payments of $22.12 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.)