Loan Rates

Rates are valid as of March 1, 2020

Rates are subject to change without notice. Please call the credit union to obtain current rate information.

Vehicle LoansMaximum TermAnnual Percentage Rate
New Auto (rates reflect 1/4% discount for direct payment)48 mthsas low as 1.89%*
60 mthsas low as 2.14%*
72 mthsas low as 2.64%*
Used Auto (rates reflect 1/4% discount for direct payment)48 mthsas low as 2.99%*
60 mthsas low as 3.24%*
72 mthsas low as 3.74%*
New Motorcycle (rates reflect 1/4% discount for direct payment)48 mthsas low as 6.99%*
60 mthsas low as 7.24%*
72 mthsas low as 7.74%*
Used Motorcycle (rates reflect 1/4% discount for direct payment)48 mthsas low as 7.99%*
60 mthsas low as 8.24%*
72 mthsas low as 8.74%*
New RV (rates reflect 1/4% discount for direct payment)48 mths **as low as 6.99%*
60 mths **as low as 7.24%*
72 mths **as low as 7.74%*
Used RV (rates reflect 1/4% discount for direct payment)48 mths **as low as 7.99%*
60 mths **as low as 8.24%*
72 mths **as low as 8.74%*
Consumer LoansMaximum TermAnnual Percentage Rate
Home ImprovementUp to $7,500,48 - 60 monthsas low as 8.25%*
$7,501 – $12,500 - 72 monthsas low as 8.25%*
HolidayMust be paid by June 30 of following year (available in Nov. and Dec.)as low as 7.99%*
VacationUp to $3000 for 24 monthsas low as 7.99%*
Bill Consolidation $1,000, 12-month termas low as 11.99%*
$1,001 – $5,000, 36-month termas low as 11.99%*
Personal36 monthsas low as 10.99%
48 monthsas low as 11.99%
60 monthsas low as 12.49%
Hypothecation (Secured Loan)Based on amount borrowed5.0%
Education LoansMaximum TermAnnual Percentage Rate
EducationUp to $5,000/yr., up to 48 months; not to exceed $15,000as low as 6.99%
$10,000 +, up to 60 monthsas low as 6.99%
Interest-Only StudentYears 1&2, $2500 max.9.0%
Years 3&4, $5000 max9.0%

All rates stated above are annual percentage rates (APRs) and are contingent upon approved credit. For applications and rates‚ please contact the MLO (Mortgage Loan Officer) at 410-398-6921.

*The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.

**15% downpayment required on all RV loans.

Rates are valid as of April 1, 2016 and are subject to change without notice. Please call the credit union to obtain current rate information.