Loan Rates
| Vehicle Rates |
| Effective Date: 7/1/2010 |
| Includes: Cars, Trucks, Motorcycles, Vans, Conversion Vans, 5th Wheelers, Titled Travel Trailers, Pop-up and Pickup Campers and Motor Homes |
| Year | Term | Rate |
| 2010 - 2009 (Under 10,000 miles) |
Up to 60 months |
3.99% APR |
| New 2010 - 2009 (Minimum of $18,000) |
Up to 72 months |
4.99% APR |
| Used 2010-2006 |
Up to 60 months |
5.50% APR |
| 2005-2003 |
Up to 48 months |
7.00% APR |
| 2002-2000 |
Up to 36 months |
7.50% APR |
| 1999 & Older |
Up to 24 months |
7.50% APR |
| New and Used Snowmobiles, Personal Watercraft, All-terrain Vehicles, 3&4 Wheelers, Riding Tractors |
Up to 60 months |
9.00% APR |
| *There is no down payment required on new or used units. |
| Home Improvement Loans |
| Effective Date: 9/1/2009 |
| Amount | Term | Rate |
| $2,500 or less |
Up to 30 months |
9.50% APR |
| $2,501 to $5,000 |
Up to 60 months |
9.75% APR |
| $5,001 to $10,000 |
Up to 60 months |
12.60% APR |
| Loan Specials |
| Effective Date: 7/1/2010 |
| Spring Fling, Summer Fun, Fall Into Savings and Clean Slate |
| Term | Rate |
| Up to 12 months |
8.90% APR |
| Up to 24 months |
9.90% APR |
| Up to 36 months |
10.90% APR |
| Up to 42 months |
11.90% APR |
| Other Loans |
| Effective Date: 9/1/2009 |
| Name | Term | Rate |
| Signature Loans |
Up to 31 months |
13.95% APR |
| Overdraft Protection Plan |
|
15.00% APR |
| Share Secured Loans |
Up to 120 months |
5.25% APR |
APR = Annual Percentage Rate
Rates are subject to change without notice. Every effort is made to keep the web site current however, rates posted in the credit union office take precedence over rates posted on the web site. Please call the credit union for today's rates. Telephone 989-793-5943 (Saginaw), 888-504-7999 (Saginaw toll-free), 989-673-3002 (Caro).