New ART phone # 1-800-579-8230. . . . . Enroll in eStatement/Statement Express from Home Banking.

 

LOAN RATES

 
Rates as of July 29, 2010
Auto Loan Special
0-60 Months, 2009 or newer, Less than 15,000 miles ...3.25% APR
Requires E-Statement & Auto payments
2009, 2010 & Newer with 20,000 miles or less
Term 10% down payment
0% down payment
0-36 Months 3.34% 3.59%
37-48 Months 3.44% 3.69%
49-60 Months 3.54% 3.79%
61-66 Months 3.79% 4.04%

 

USED AUTOS 2007 & 2008 and 2009 & 2010 with more than 20,000 miles
Term Trade Value

Retail Value

0-48 Months 3.94% 4.19%
49-60 Months 4.19% 4.44%
61-66 Months 4.69% 4.94%
 
USED AUTOS 2004, 2005 and 2006
Term Trade Value

Retail Value

0-48 Months 5.19% 5.44%
49-60 Months 5.44% 5.69%
USED AUTOS 2003 & older
Term Trade Value Retail Value
0-36 Months
6.44% 6.94%
MOTOR HOMES, TRAILERS, TRAVEL TRAILERS
Model Years Amount Financed Maximum Term Rate
New 80% 84 mo 7.50%
Used 1-2 yrs Trade-In 84 mo 7.75%
Used 3-4 yrs Trade-In 72 mo 8.25%
Used 5 yrs+ Trade-In 60 mo 8.50%
 
Boats
Model Years Amount Financed Maximum Term Rate
New 80% 60 mo 5.99%
New 0 down   60 mo 6.49%
Used Trade-In 48 mo 7.49%
Used Retail 48 mo 7.99%
       
New> $25,000 additional 20% down 72 mo 7.49%
 
MOBILE HOMES
Year Rate % Down Term
NEW 10.50% 20% 180 mths
Used 2000 - 2009 11.50% 20% 120 mths
Used 1995-1999 12.50% 20% 96 mths
 
 
NEW CONSUMER GOODS (Fold-Downs, Lawn Tractors, Computer, etc.)
Term 80% Financed
(20% Down Payment)
100% Financed
(0% Down Payment)
0 - 36 Months 5.50% 6.50%
48 Months 8.00% 9.00%
 
USED CONSUMER GOODS (Fold-Downs, Lawn Tractors, Computers, etc.)
Term 12 Month 24 Month 36 Month 48 Month
USED 8.0% 9.0% 10% N/A
 
BUSINESS PURPOSE >$50,000 (New or Qualified Used)
Term 36 Month 60 Month
RATE * Prime (6% Floor) * Prime (7% Floor)
* Current Prime = 3.25%
 
SHARE SECURED & CD SECURED (Share Secured 12 Month Max.)
RATE 2.00% over Dividend Rate
 
STOCK SECURED (48 Month Max.)
Type Rate
75% of Market Value 9.00%
 
HOME EQUITY
Type Rate Adjusts Monthly
Open-End Variable < 85%
86 - 90%
91 - 99%
4.75% (FLOOR 4.75%)
6.25% (FLOOR 6.25%)
7.50% (FLOOR 7.5%)
Prime +1.5
Prime + 3
Prime + 4.25
** ARM 5-1  < 80%
Ex. Pay $160.84/month on $20,000 borrowed at 5.25% APR
5.25% (FLOOR 5.25%) Prime + 2.0
Closed-End / FIXED, 80% Max LTV
0-60 Mo. Amortization
Ex. Pay $361.63/month on $20,000 borrowed at 3.25% APR for 5 year term. ORPay $366.14/month on $20,000 borrowed at 3.75% APR for a 5 year term
3.25%(A+ paper only)
3.75%
N/A
Closed-End / Fixed, 80% Max LTV
61-120 Mo. Amortization
Ex. Pay $219.61/month on $20,000 borrowed at 5.75% APR for a 10 year term
5.75% NA
Closed-End/FIXED, 80% Max LTV
121-180 Mo. Amortization
Ex. Pay $177.06/month on $20,000
borrowed at 6.75%APR for a 15 year term

6.75% N/A

 * Current Prime = 3.25%   Maximum of 21% APR.
** ARM's:  Fixed rate and payment for 3, 5, or 7 years.  Rate and payment adjusts annually based on prime thereafter up to 15 years.  Payment examples above do not include estimates for Credit Life or Credit Disability Insurance Protection.
*** Estimated closing costs to obtain a Home Equity Line of Credit can run anywhere from $150.00 - $500.00 +/-.  This includes but is not limited to appraisal fees, lien searches, flood determinations and recording fees.
**** $50.00 minimum payment on all Home Equity Loans.
 
UNSECURED LOANS / OPEN-END LOANS
Term Rate
12 Months 7.00%
24 Months 8.00%
36 Months 10.00%
48 Months 15.00%
 
MORTGAGE LOANS
Please Contact us for the Current Rate!
 
Rates listed are Annual Percentage Rates.
*** Rates based on qualifying credit.  Rates subject to change.
Please feel free to call or e-mail one of the credit union personnel for more information.
RATES
Savings Rates
Loan Rates
Rates
9 Month
Term Share Certificate
$1000 min 1.00% APY
18 Month Term Share Certificate
$1000 min 1.50% APY
25 Month 1 Time Bump Term Share Certificate
$1000 min

1.80%
APY

42 Month Term Share Certificate
$1000 min 2.10% APY
 
Click HERE for additional Deposit Rates!
 
New Auto
3.25% APR
Used Auto
3.25% APR
Home Equity Loan
3.25% APR
 
Click HERE for all Loan Rates!


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