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LOAN RATES
View in printable PDF format here.
Loan rates effective April 1, 2008
| Account Type | Terms | Annual Percentage Rate (APR) |
| Credit Cards Visa Classic Visa Gold |
Revolving | 9.50% - 17.25% Variable*** 8.25% - 11.25% Variable *** |
| Auto Loan (Up to 10 years old) |
Up to 84 months | 5.75% - 18.75%* |
| Auto Rate for the Financing of a Credit Union West Repossession |
Up to 36 Months | 3.9% |
| Secured Loan (RV's, Boats, Motorcycles, etc.) |
Up to 180 Months | 5.75% - 18.75%* |
| Home Equity Line of Credit |
Up to 20 years | 4.75% - 11.25% Variable** |
| Home Equity Loan | Up to 72 Months | 4.00% - 11.50% Fixed |
| Home Equity Loan | 73 to 120 Months | 5.75% - 12.25% Fixed |
| Home Equity Loan | 121 to 180 Months | 6.75% - 13.25% Fixed |
| Signature Loans | Up to 60 Months | 9.25% - 19.25% |
| Share/MMA Secured Loan | Up to 120 Months | Based on the deposit rate plus a margin of 3%. |
| Certificate Secured Loan | Up to 60 Months | Based on the Certificate of Deposit rate plus a margin of 3%. |
* Loan Rates (Auto & Secured) are based on amount financed, credit experience and term.
** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.75% and a ceiling of 18%. Rates subject to credit performance and loan to value. Initial 20-year draw period with one (1) balloon payment; monthly payments are interest only.
*** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus margin with a floor of 6.9% and no ceiling. Rates are subject to credit performance.
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