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	Consumer Loans Unsecured (Signature) Loans Secured Loans Credit Cards Overdraft Line-of-Credit Loan Protection Real Estate Loans... e-Mortgage First Mortgages Home Equity Loans/Lines of Credit Loan Protection Business Loans Rates Rate Alert Secured Loans Secured Loans are loans in which the loan proceeds are utilized to purchase collateral and that collateral is pledged by the member as security for the loan. You may finance an array of goods, including automobiles, motorcycles, ATVs, boats and other recreational vehicles using a secured consumer loan.  How much can I afford to borrow?  How much car can I afford?  How much will my loan payments be? Like These Calculators? Click Here To See More! New Vehicles For new automobiles, trucks and recreational vehicles, the credit union will finance 110% of the MSRP as disclosed on a dealer's purchase and sales agreement, depending on credit score. The maximum term for a new automobile, truck or recreational vehicle is 72 months. Used Vehicles For used automobiles, trucks and recreational vehicles, the credit union will finance 100% of the collateral's NADA guide retail value. The maximum term for a used automobile, truck or recreational vehicle is 72 months. Other Secured Loan Options You may also secure a loan with an amount pledged in a Prime Share Account or Term Share Certificate. Because of the minimal risk involved, limited documentation is required for these types of loan requests. The rate for a 100% Share Secured Loan is equal to the Prime Share rate + 3.00% (Variable). The rate for a 100% Certificate Secured Loan is the Pledged Certificate rate + 3.00% (Variable). You may pledge stock certificates as collateral through a Stock Secured Loan. However, the loan proceeds and ongoing loan balance must not exceed 50% of the pledged stock value. These loans are subject to review on a quarterly basis. You may apply for a Secured Loan here now by clicking the "Launch" button on this page and logging into e-Teller, by filling out an application at one of our branch locations, or contacting our call center at 888.252.8932. Loan Rates ACCOUNT TYPE APR** TERM Payment/$1,000 Secured (auto, RV, motorcycle, etc.)- 24 months* 4.95% 24 months $43.86 Secured (auto, RV, motorcycle, etc.)- 36 months* 5.95% 36 months $30.41 Secured (auto, RV, motorcycle, etc.)- 48 months* 6.25% 48 months $23.61 Secured (auto, RV, motorcycle, etc.)- 60 months* 6.50% 60 months $19.57 Secured (auto, RV, motorcycle, etc.)- 72 months* 6.75% 72 months $16.94 Unsecured* 9.70% 48 months $25.23 Home Equity Line of Credit* Prime +1.00% Adj. 180 months $7.93 Home Equity Loan* 4.99% 36 months Call VISA Cards- Platinum ($50 Annual Fee)^ Prime + 4% Adj. VISA Cards- Gold (No Annual Fee) 9.99% VISA Cards- Classic ($15 Annual Fee) 11.90% VISA Cards- Classic (No Annual fee) 13.90% Certificate Secured Cert. Rate + 3% Adj. Share Secured Share Rate + 3% Adj. Overdraft Protection 15.00% All rates subject to change without notice. * Rates "as low as" ** Annual Percentage Rate ^All rates subject to change without notice. ^

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