VACATION LOAN SPECIAL
24 month term
2.9% Maximum $10,000
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Quick Cash Loan
If you need money until your next payday, a Quick Cash loan from your credit union might be the answer. With a Quick Cash loan you can receive a cash advance towards any direct deposit to your credit union account.
If you're short of cash and payday is not until next week or next month, you can use a Quick Cash loan to get your money now.
A Quick Cash loan is an inexpensive way to meet your short-term cash needs.
For example, a $500 loan for 30 days costs you just $6.37 (15% interest for 30 days). There are no other charges to get the loan. Compare that to what ?Payday? type lenders charge, and keep more of your money in your pocket.
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Loan Rate Discount
Save .25% with Automatic Payment on your loan. Loan rates are reduced by .25 if your loan payment is made by automatic transfer from your savings or checking account. This discount applies to all loans except VISA, Student Loans, Home Equity and Mortgage.
Loan Rates shown are already reduced by the .25%
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| Any Purpose Loan |
36 month term |
6.9% Maximum $20,000 |
| Any Purpose Loan |
60 month term |
8.9% Maximum $20,000 |
| VISA |
Revolving |
11.90% No annual fee
Maximum $20,000
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| Each eligible member
may borrow up to $30,000 using any combination of
the signature loans or VISA credit card listed above. Total combined
signature loans and VISA may not exceed $30,000. |
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New Vehicles
(No Down Payment Needed) |
| Any term up to: |
| 36 months | |
1.95% |
| 48 months | |
2.95% |
| 60 months | |
3.45% |
| 72 months | |
3.95% |
Used Vehicles
(No Down Payment Needed) |
| Any term up to: |
| 36 months | |
2.95% |
| 48 months | |
3.50% |
| 60 months | |
3.75% |
Maximum vehicle terms:
New vehicles ($15,000 +)..Up to 72 month financing
2008 and newer models ....Up to 60
2007 and older models ....Up to 48
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New RV's Boats, Motorcycles, Campers
(No Down Payment Needed) |
| Any term up to: |
| 36 months | |
1.95% |
| 48 months | |
2.95% |
| 60 months | |
3.45% |
| 72 months | |
3.95% |
| 120 Month | |
7.15% (fixed rate, new boat or RV $30,000+) |
| 120 month balloon option on new and used RV's or boats.
Rate is the same as new or used 60 month loan with a balloon payment after 60 months. |
Used RV's Boats, Motorcycles, Campers
(No Down Payment Needed) |
| Any term up to: |
| 36 months | |
2.95% |
| 48 months | |
3.50% |
| 60 months | |
3.75% |
| 120 month balloon option on new and used RV's or boats.
Rate is the same as new or used 60 month loan with a balloon payment after 60 months. |
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HOME EQUITY CREDIT LINE |
Revolving |
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3.9% Introductory rate for 36 months
6.00% Variable rate (Prime Rate + 0)
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SHARE SECURED |
2.25% up to 36 months
5.25% up to 120 months |
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Mortgage (any term up to 30 Years)
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| 1 year adjustable |
3.5% |
| 3/27 (fixed for 3 years adjustable for 27) |
3.9% |
| 5/25 (fixed for 5 years adjustable for 25) |
4.5% |
| 3 year balloon |
3.9% |
| 5 year balloon |
4.5% |
| Fixed rate mortgages up to 30 years also available. |
Fixed Rate Secondary Market Mortgages available-
Call for current daily rate. |
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Deposit Rates |
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Rate |
APY |
| Regular Savings rate |
.15% |
.15% |
| Christmas Clubs |
.15% |
.15% |
| Share Drafts |
0.00% |
0.00% |
| Money Market |
.20% |
.20% |
| I.R.A. |
.95% |
.95% |
| Save To Win Account |
.15% |
.15% See us for details. |
| Kirby Club / CU Succeed |
$0-$500 |
5.00% |
5.09% |
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500.01+ |
.15% |
.15% |
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Certificates: |
| 6 month |
.25% |
.25% |
| 12 month |
.45% |
.45% |
| 24 month* |
.75% |
.75% |
| 36 month* |
.95% |
.95% |
| 60 month* |
.95% |
.95% |
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Commercial Loans
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C Rate |
B Rate |
A Rate |
Unsecured : |
| Any term up to 36 months |
8.90% |
7.90% |
6.90% |
| 60 months |
10.90% |
9.90% |
8.90% |
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New Titled Vehicles: |
| Any term up to 36 months |
6.75% |
5.50% |
4.50% |
| 48 months |
7.00% |
6.00% |
5.00% |
| 60 months |
7.50% |
6.50% |
5.25% |
| 72 months |
7.75% |
7.00% |
5.50% |
Used Titled Vehicles: |
| Any term up to 36 months |
7.75% |
6.00% |
4.75% |
| 48 months |
8.00% |
6.75% |
5.25% |
| 60 months |
8.50% |
7.50% |
5.55% |
| 72 months |
9.25% |
8.25% |
6.10% |
Equipment: |
| Any term up to 36 months |
8.75% |
7.75% |
6.75% |
| 48 months |
9.00% |
8.00% |
7.00% |
| 60 months |
9.25% |
8.25% |
7.25% |
| 72 months |
9.50% |
8.50% |
7.50% |
Real Estate (terms up to 20 years, 20% downpayment): |
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| 5 Year Balloon |
5.50% |
5.00% |
4.50% |
| 3 year balloon |
5.00% |
4.50% |
4.00% |
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Grade C. Loans graded C generally exhibit acceptable financial ratios, guarantors of moderate credit history with moderate to limited financial stability. Collateral will exhibit moderate to high loan to value ratio. C graded loans are considered to be of average loan quality.
Grade B. Loans graded B generally exhibit good financial ratios, guarantors of good to excellent credit history and strong financial stability. Collateral will have a moderate loan to value ratio.
Grade A. Loans graded A generally exhibit superior financial ratios, guarantors of excellent credit history and very strong financial stability. Collateral will have a low to moderate loan to value ratio.
All commercial loans are graded by our underwriting partners, Cencorp Business Services.
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*Option to increase rate once during term of certification
Loan rates as of May 1, 2013 and subject to change
Shares as of May 1, 2013 and subject to change
Loan Rates shown are Annual Percentage Rates (APR)
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