Loans & Rates

Rates subject to change daily. Please contact the credit union to confirm rates listed below.

Click on the investment option you are interested in or scroll down this page to view all.

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Loan Protection
With Navigator Loan Protection, you pay just pennies a day and only buy enough protection to cover your loan balance, and that saves you money.

• Protects your credit rating and collateral
• Simple eligibility requirements
• Fast and easy enrollment
• Immediate coverage for eligible borrowers
• Convenient—fee is included in your loan payment

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Loans & Rates

Asset (Share or Certificate) Secured Loan
As Low As 2% Above Savings (terms as high as 180 months)

• Use your savings account or share certificate as collateral for a loan
• Allows you to borrow against savings without depleting them
• Lowest interest rate available
• Declared share dividends + 2.0%

• Up to 100% financing
• Extended repayment terms
• Same rate for new or used cars
• Extended Warranty Insurance Available
• GAP Insurance to pay the difference between the value and what is owed

Go to CARFAX for a detailed vehicle history report


Boat/RV Loan
As Low As 5.95% APR (terms as high as 84 months)

Home Equity Line of Credit (HELOC)
Introductory Rate is 3.750% for the first six months. Adjustable rate after introductory period is equal to the prime rate, with a minimum of 4.00%. The loan rate will never exceed 14.00%. Line of Credit amount up to 90% of available equity AND we pay closing costs.

Home Mortgage Loan

1st Mortgage Homestead:
5.340% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.120% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
4.651% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days.The 1% origination fee is included in the Annual Percentage Rate (APR.).

5.327% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

1st Mortgage Investment Property:
5.843% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.623% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
5.278% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The1 % origination fee is included in the Annual Percentage Rate (APR.).

6.660% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Mobile Home ~ Double Wide with Land Only Other Restrictions Apply:
5.591% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.497% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
5.027% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1 % origination fee is included in the Annual Percentage Rate (APR.).

6.830% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Mobile Home ~ Single Wide with Land Only Other Restrictions Apply:
8.366% 10 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.)

Construction Loan
5.577% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Fixed Rate Home Equity Homestead:
6.580% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Fixed Rate Home Equity Investment Property:
7.832% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 25% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Unimproved Land:
7.413% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.). 

Lines of Credit Rates as Low As 9.95% APR (terms as high as 48 months)

• Allows you to make purchases by writing a check
• Can be used to provide overdraft protection for checking
• Can be access through the ATM and 'N Touch

Personal Computer Loan
Rates as Low as 9.50% (terms as high as 24 months)

Personal Loan
Rates as Low as 9.95% APR (terms as high as 48 months)

Overdraft Loans
Rates as low as 18%

Insurance Loans
Rates as low as 12%

VISA Card

• No annual fee
• No cash advance fees
• Fixed rates as low as 10.90%
• Credit limits up to $10,000
• Instant cash access with your PIN
• Worldwide acceptance
• Free additional cards for family members
• 24-hour toll-free account access
• Savings when you transfer higher balances
• Yearly CashBack bonus
• 25-day grace period on purchases