Explore our current Loan Rates!
Auto Loan Rates
| Rates Effective: 9/3/2024 Term | 2023 & newer | 2022 & Older |
|---|---|---|
| Up to 48 Months | as low as 5.74% APR | as low as 5.94% APR |
| 49-60 Months | as low as 5.94% APR | as low as 6.14% APR |
| 61-72 Months | as low as 6.24% APR | as low as 6.44% APR |
| 73-84 Months | as low as 7.24% APR | as low as 7.44% APR |
*APR = Annual Percentage Rate. Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 5.74% APR = $467.30 per month.
**Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80%
Maximum terms are dependent on model year and/or collateral value.
LTV restrictions may apply.
Contact a member of the Lending Team for specific rates and terms.
Apply for an Auto Loan by clicking here!
Recreational Vehicles Loan Rates
| Rates Effective: 9/3/2024 Term | 2023 & newer | 2020-2022 | 2015-2019 |
|---|---|---|---|
| Up to 48 Months | 6.29%-16.29% APR | 6.74%-16.74% APR | 7.54%-17.54% APR |
| 49-60 Months | 6.79%-16.79%APR | 7.24%-16.94%APR | 8.04%-17.99%APR |
| 61-72 Months | 7.29%-17.29%APR | 7.74%-17.24%APR | 8.54%-17.99%APR |
| 73-84* Months | 7.99%-17.99%APR | 8.44%-12.24%APR | 9.24%-10.74%APR |
| 85-120* Months | 8.49%-9.99%APR | 8.94%-10.44%APR | N/A |
*APR = Annual Percentage Rate. Rates subject to change without notice. LTV restrictions apply. A $20,000 loan on a 2023 Boat for 60 months at an annual percentage rate of 6.79%APR is $394.04 per month.
Apply for a Recreational Vehicle Loan by clicking here!
Unsecured Loan Rates
| Rates Effective: 7/28/23 Term | Rate/APR* |
|---|---|
| 60 Months | 11.40%-17.99% |
*APR = Annual Percentage Rate. Rates are based on credit score, term and method of payment. Cannot refinance existing CU debt. A $6,000 loan for 60 months @ 11.40% = $131.72. Rates subject to change without notice.
Apply for an Unsecured Loan by clicking here!
Home Equity Loan Rates
| RATES EFFECTIVE 10/1/2024 Term | Rate/APR* | Max LTV | Credit Score |
|---|---|---|---|
| 5 yr | 5.500% | 90% | Available to All Credit Tiers |
| 7 yr | 5.750% | 90% | Available to All Credit Tiers |
| 10 yr | 6.000% | 90% | Available to All Credit Tiers |
| 15 yr | 6.250% | 90% | Available to All Credit Tiers |
*APR = Annual Percentage Rate. The payment on a $20,000 fixed rate home equity loan for 5 years @ 5.500%APR = $382.03 per month. All loans are subject to credit approval, home eligibility, minimum amount to finance $ 10,000.00 and maximum loan amount to finance $150,000.00, and maximum LTV is 90%. Max term is 15 years. Property Insurance required. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $445-$1,800. Payments shown do not include taxes or insurance, actual payment obligations will be greater. All loans are subject to homeownership (primary residence). Loans are subject to credit approval and appraisals. Rates subject to change without notice. The credit union takes security interest in the home. Other terms and conditions available. Consult a tax advisor regarding the deductibility of interest. NMLS# 585840. Equal Housing Lender.
Learn more about our Home Equity Loans by clicking here!
Apply for a Home Equity Loan by clicking here!
Home Equity Line of Credit Rates
| RATES EFFECTIVE 12/20/2024 Term | Rate/APR | Max LTV |
|---|---|---|
| Years 1-5 | 7.500% | 80% |
| Years 6-20 | Prime Rate** Varies twice yearly on January 1st and July 1st with Prime Rate. | 80% |
*APR = Annual Percentage Rate. All loans are subject to credit approval, home eligibility, minimum amount to finance $ 10,000.00 and maximum loan amount to finance $150,000.00, and maximum LTV is 80%. Draw period is 10 years, repayment period is 20 years. Property Insurance required. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $445-$1,800. Rates subject to change without notice. All loans are subject to homeownership (primary residence). Loans are subject to credit approval and appraisals. The credit union takes security interest in the home. Other terms and conditions available. Consult a tax advisor regarding the deductibility of interest. Rate not to exceed 17.99%. NMLS #585840. Equal Housing Lender
**Prime rate, as published in the Wall Street Journal, currently 7.500%.
Learn more about our Home Equity LOC by clicking here!
Apply for a HELOC by clicking here!
Mortgage Rates
Because mortgage rates can change daily, please call 716.372.6607 to speak to a mortgage lender for the most current rates and terms. We have several fixed and variable rate options available. Our lenders will work with you to determine which program fits your needs.
NMLS #585840. Equal Housing Lender.
Learn more about our mortgage options by clicking here!
Apply for a Mortgage Loan by clicking here!
