Loan Rates

Rates effective as of 5/09/17. Rates subject to change.

New, Used or Refinanced Car, Truck, Van, Recreational Vehicle, Motorcycle or Boat
(New money, separate loan)

Year Term APR (Annual Percentage Rate)
2017–2013 72 months as low as 2.75%*
2017–2013 up to 60 months as low as 2.50%
2012–2011 up to 60 months as low as 3.00%
2010–2008 up to 48 months as low as 4.50%
2007 & Older up to 36 months as low as 5.50%

Interest rates are determined by the year of the vehicle, the term of the loan, plus applicants' credit history, and are subject to change without notice. Quoted rates include a maximum of 1.50% of Buy-Downs from the following list:

.50% EMAIL PROVIDED & E-STATEMENTS
.25% AUTOMATIC PAYMENT
.25% ACTIVE CHECKING ACCOUNT
.25% DIRECT DEPOSIT
.25% 1st MORTGAGE OR HOME EQUITY LINE OF CREDIT
.25% ACTIVE CREDIT CARD
.25% 10% DOWN PAYMENT ON ANY VEHICLE

*EXAMPLE: $1,000 financed for 60 months at 2.50% is a payment of $18.00 per month.

$30.00 documentation fee applies to each closed loan.

100% Share Secured

 
as low as 2.25% APR (Annual Percentage Rate)**

Rates are subject to change without notice. Quoted rates include a maximum of 1.50% of Buy-Downs from the following list:

.50% EMAIL PROVIDED & E-STATEMENTS
.25% AUTOMATIC PAYMENT
.25% ACTIVE CHECKING ACCOUNT
.25% DIRECT DEPOSIT
.25% 1st MORTGAGE OR HOME EQUITY LINE OF CREDIT
.25% ACTIVE CREDIT CARD
.25% 10% DOWN PAYMENT ON ANY VEHICLE

**EXAMPLE: $1,000 financed for 60 months at 2.25% is a payment of $18.00 per month.

$30.00 documentation fee applies to each closed loan.

Signature Loan

Term APR (Annual Percentage Rate)
48 months as low as 7.25%***

Interest rates are determined by the term of the loan, plus applicants' credit history, and are subject to change without notice. Quoted rates include a maximum of 1.50% of Buy-Downs from the following list:

.50% EMAIL PROVIDED & E-STATEMENTS
.25% AUTOMATIC PAYMENT
.25% ACTIVE CHECKING ACCOUNT
.25% DIRECT DEPOSIT
.25% 1st MORTGAGE OR HOME EQUITY LINE OF CREDIT
.25% ACTIVE CREDIT CARD
.25% 10% DOWN PAYMENT ON ANY VEHICLE

***EXAMPLE: $1,000 financed for 48 months at 7.25% is a payment of $25.00 per month.

$30.00 documentation fee applies to each closed loan.

Home Equity

   
Home Equity Line of Credit For current rates, call the credit union at 630-906-2050 or 800-467-3162.

Credit Card Interest Rates and Charges

  Visa Classic Visa Platinum
Annual Percentage Rate (APR) for Purchases 11.90% 9.90%
APR for Cash Advances 11.90% 9.90%
APR for Balance Transfers 11.90% 9.90%
Penalty APR and When it Applies None None
Minimum Interest Charge None None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at federalreserve.gov/creditcard.

Credit Card Fees

Fee Amount

Annual Fee

Visa Classic

Visa Platinum


None
None

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

Foreign Transaction Fee


$1.00
$1.00
1.00% of each transaction in U.S. Dollars

Penalty Fees

Late Payment Fee

Returned Payment Fee


$15.00
$20.00

How We Will Calculate Your Balance
We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Document Copy Fee $10.00
Emergency Card Replacement Fee $100.00
Card Replacement Fee $10.00
Card Recovery Fee $65.00
Pay By Phone Fee $10.00

Collection Costs
You promise to pay, subject to applicable law, all costs of collecting what you owe under this Agreement and all costs of realizing on any security for the Plan including court costs, collection agency fees and reasonable attorney's fees. We may enter into a contingent of hourly fee arrangement with an attorney or collection agency and you agree that such an Agreement is reasonable. This provision also applies to bankruptcy, appeals or postjudgment proceedings.

Credit Card Periodic Rates

  Visa Classic Visa Platinum
Purchase APR 11.90%
(daily periodic rate of 0.0326%)
9.90%
(daily periodic rate of 0.0271%)
Cash Advance APR 11.90%
(daily periodic rate of 0.0326%)
9.90%
(daily periodic rate of 0.0271%)
Balance Transfer APR 11.90%
(daily periodic rate of 0.0326%)
9.90%
(daily periodic rate of 0.0271%)