Phone: (760) 446-3500    Fax: (760) 446-6904     Routing# 322283204

Loan Rates

Rates effective JANUARY 2017
SIGNATURE LOAN
  Term As Low As
  UP TO 36 MONTHS 8.99% APR*
  UP TO 60 MONTHS 10.99% APR*

LOAN ALTERNATIVE (STS)
  As Low As
Maximum Term of Six Months 28.00% APR*

REEL Program
  As Low As
Repairs & Contrator must be qualified under REEL Program 4.50% APR*

PC Program
  As Low As
Maximum Financing of 60% of LTV - Model Year 2001 or Newer 18.00% APR*

PERSONAL LINE OF CREDIT
  As Low As
Payments = 3% of the Limit 11.99% APR*

SMALL BUSINESS LOAN
Term As Low As
Max: 60 mnths 10.00% APR*

SHARE SECURED LOANS
Term As Low As
UP TO 120 MONTHS 3.00% ABOVE CURRENT SHARE DIVIDEND RATE

NEW RV (Model Year 2017 & 2016)
Term As Low As
60 MONTHS 4.99% APR*
120 MONTHS 6.99% APR*
*Up to 110% of the selling price inclusive of tax, license, fees, and warranties.

USED RV (Model Year 2009 - 2015)
Term As Low As
60 MONTHS 6.49% APR*
120 MONTHS 8.49% APR*
*Up to 100% of the selling price inclusive of tax, license, fees, and warranties.

ATV's, DIRTBIKE's, WATERCRAFT (Model Year 2011-2017)s, DIRTBIKE's, WATERCRAFT (Model Year 2009-2014)
Term As Low As
36 MONTHS 6.99% APR*
60 MONTHS 7.99% APR*
*Up to 100% of the selling price (Not to exceed 100% of Retail Value)

NEW VEHICLE (Model Year 2017 & 2016)
Term As Low As
36 MONTHS 2.99% APR*
48 MONTHS 3.29% APR*
60 MONTHS 3.49% APR*
72 MONTHS 3.99% APR*
84 MONTHS 4.49% APR*
*Maximum Financing of 125% of purchase price inclusive of tax, license, and warranties.
Minimum Loan Amount of $15,000 for 72 Months, $25,000 for 84 Months.

USED VEHICLE (Model Year 2013-2017)
Term As Low As
36 MONTHS 3.99% APR*
48 MONTHS 4.29% APR*
60 MONTHS 4.59% APR*
72 MONTHS 4.99% APR*
84 MONTHS 5.49% APR*
*Maximum Financing of 110% of reatil blue book value inclusive of tax, license, and warranties.
Minimum Loan Amount of $25,000 for 72 Months, $30,000 for 84 Months

OLDER USED VEHICLE (Model Year 2007-2012)
Term As Low As
36 MONTHS 5.99% APR*
48 MONTHS 6.29% APR*
60 MONTHS 6.99% APR*
*Maximum Financing of 100% of retail blue book value inclusive of tax, license, and warranties.

Beat - A - Rate (Auto) Model Year 2005-2015
Term  
Seasoned 18 Months+ Floor Rate of 2.50% Up to 2.00% off current rate
Seasoned 12 Months Floor Rate of 2.50% Up to 1.50% off current rate
Seasoned 6 Months Floor Rate of 2.50% Up to 1.00% off current rate
*Loan must not exceed HKBB and have no delinquency due the seasoning period. Members must still qualify for loan according to credit union policies.

Credit Cards
Card Type As Low As
Platinum Credit Card 8.49%, Payments = 2% of Balance
Starter Credit Card 17.99%, Payments = 5% of Balance

Rates effective as of publication date and subject to change without notice.
* APR = Annual Percentage Rate.