Check Out Our Competitive Rates
The rates appearing here are accurate as of the effective date: December 4, 2023. If you have any questions or wish to request specifics on rates, terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. If you have a loan with us, you will receive specific agreements and disclosures at the time of application and/or closing of the loan that are applicable to your specific loan.
New Auto Loans
Term | APR as low as * |
---|---|
12-48 Months | 6.70% |
60 Months | 7.10% |
72 Months | 7.60% |
84 Months | 8.44% |
Used Auto Loans
Term | APR as low as* |
---|---|
12-48 Months | 7.30% |
60 Months | 7.70% |
72 Months | 8.20% |
Extended Age and Mileage Used Auto Loans
Used vehicles that meet at least one of the following: 9 to 12 model years old and/or over 100,000 miles not to exceed 150,000 miles.
Term | APR as low as* |
---|---|
12-48 Months | 9.20% |
60 Months | 9.70% |
Used vehicles that meet at least one of the following: 9-12 model years old (including current model year), or over 100,000 miles, not to exceed 150,000 miles. All approved loans for 11 and 12 year old vehicles will incur an additional 0.50% APR increase in the interest rate.
Motorcycle, Boat, Motor Home, Travel Trailer, ATV, Jet Ski
MAX LOAN TERMS - Motor Home/Travel Trailer - up to 120 months | Boats - up to 96 months | Jet Ski/Wave Runner - up to 84 months | Motorcycle - up to 84 months
Term | APR as low as* |
---|---|
36 months | 8.00% |
48 months | 8.25% |
60 months | 8.50% |
72 months | 9.25% |
84 months | 10.00% |
96 Months | 10.75% |
120 months | 11.50% |
Visa Platinum Cash Back Credit Card
Credit Card | Term | APR as low as* |
---|---|---|
Rewards Option with 2% Cash Back** | Terms may vary | 15.70% |
Low Rate Card | Terms may vary | 14.70% |
Other Loans
Loan | Term | APR as low as* |
---|---|---|
Line of Credit | Terms may vary | 13.85% |
Santa Helper | Terms may vary | 13.85% |
Personal Loan | Terms may vary | 11.99% |
Lend A Hand Loan | Terms may vary | 18.00% |
Share Secured
Term | APR as low as* |
---|---|
Up to 24 months | 3.50% |
25 to 48 months | 4.00% |
49 to 72 months | 4.50% |
73 to 84 months | 5.00% |
Fixed Rate-First Mortgages*
Term | Interest Rate as low as* | APR as low as* | Downpayment as low as* | PMI |
---|---|---|---|---|
10-Year Fixed | 7.25% | 7.52% | 5% | None |
15-Year Fixed | 7.50% | 7.79% | 5% | None |
30-Year Fixed | 8.00% | 8.33% | 5% | None |
30-Year, 5/1 Adjustable Rate Mortgage*
Term | Interest Rate as low as* | APR as low as* | Downpayment as low as* | PMI |
---|---|---|---|---|
5/1 Adjustable Rate Mortgage available in a 30-year term | 5.80% | 5.97% | 5% | None |
First-Time Homebuyer Program: 30-Year, 5/1 Adjustable Rate Mortgage*
Term | Interest Rate as low as* | APR as low as* | Downpayment as low as* | PMI |
---|---|---|---|---|
5/1 Adjustable Rate Mortgage available in a 30-year term, for First Time Home Buyers | 8.05% | 8.38% | 3% | None |
Home Equity
Term | APR as low as* |
---|---|
Terms may vary | 8.50% |
Fixed Rate-Investment/Vacation Property*
Up to 80% of Purchase Price or Appraised Value, Whichever is Less
Term | Interest Rate as low as* | APR as low as* | Downpayment as low as* | PMI |
---|---|---|---|---|
10-Year Fixed | 7.88% | 8.19% | 20% | None |
15-Year Fixed | 8.13% | 8.46% | 20% | None |
30-Year Fixed | 8.63% | 9.01% | 20% | None |
See our list of fees for specific products and services.