Loan Rates

Rates Effective December 15, 2022

Vehicle Loans
	Term	APR*
New or Used Auto	24 Months	as low as 4.99%
New or Used Auto	36 Months	as low as 4.99%
New or Used Auto	48 Months	as low as 4.99%
New or Used Auto	60 Months	as low as 4.99%
New Auto	72 Months	as low as 5.49%
~ 2016 or newer, NADA Retail

Personal & Co-maker Loans
Minimum	Maximum	Term	APR*
$1,000	$7,500	Up to 60 months	as low as 8.99%

Share Draft Overdraft Protection
Maximum Amount	APR*
$1,000	14.90%

VISA Classic (No Annual Fee)
Maximum (credit lines up to)	APR* Cash Advances	APR*
$7,000	14.90%	12.90%

Share Secured Loans
Type	Minimum	Term	APR*
Regular Shares	$1,000	Up to 60 months	3.50%
Term Share Certificate	$1,000	Up to 36 months	Share Certificate rate plus 3.00%

Home Equity Loans (CT Only)#
Minimum	Maximum	Term	APR*
$25,000	$100,000	Up to 60 months	as low as 5.99%
$25,000	$100,000	Up to 84 months	as low as 6.49%
$25,000	$100,000	Up to 120 months	as low as 6.99%

Home Equity Lines of Credit (CT Only)#@
Minimum	Maximum	APR*
$25,000	$100,000	Not Currently Being Offered

*Annual Percentage Rate

#70% maximum loan to value. No closing costs. Member may be responsible for actual closing costs incurred by the credit union if the related loan is paid off within one year of closing.

@ Home Equity Lines of Credit provide for a draw period of up to five years, followed by up to a ten year repayment term. During the draw period, the member is required to make monthly interest only payments. These HELOCs are variable rate, with the rate adjusting twice yearly to an index based upon the Wall Street Journal Prime Rate. The interest rate payable upon a Home Equity Line of Credit is subject to an interest rate minimum of 5.0% APR.

All rates, terms, and yields are subject to change - please call for current rates and complete terms. The rate you pay will be determined by your credit history. Rates available on approved credit.

Mon Wed Thur Fri	9:30am - 4pm*
*Closed for lunch	1pm- 1:30pm

Mon Wed Thur Fri	9:30am - 4pm*
*Closed for lunch	1pm- 1:30pm

Loan Rates

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Mon-Fri	8:30am - 4:00pm