An installment loan is a contract between the member and the Credit Union. Money is borrowed to purchase a specific item (such as a car, computer, RV, etc..) for a stated price and the member pays the money back on a monthly schedule that is determined at the time the loan is requested. The Credit Union in return promises to charge the member a set rate for the money borrowed over a contracted time period (or term)*. Use of an installment loan builds credit history for the member.

*If the member pays their loan off earlier than the loan states there is no penalty to the member.

• New and Used Auto Loans
• Terms up to 72 months
• Finance up to 100% of NADA Retail Value for qualified buyers.
• Gap Insurance available
• Credit life & disability available at low premiums
• Simple interest with NO prepayment penalty
• Auto equity loans available (interest paid may be tax deductible)

• Maximum amount based on a member's monthly gross income
• No collateral is held as security on this loan
• Terms up to 60 months

• 2005-2006 models as low as 8.49% APR.
• Terms available from 3 to 10 years on RV's, Campers, and Boats
• Terms available up to 5 years on motorcycles
• Low competitive rates
• Rates and Terms vary depending on model year

• Loans secured by a corresponding balance in a share or certificate account
• Terms up to 10 years
• As the loan balance drops, the secure portion of the accounts available for member
• Does not tie up a car title or other collateral
• Helps members trying to establish credit

• New and Used equipment loans
• Terms up to 60 months are available