Loan Rates


New and Used Auto, Truck, Motorcycle, 4 Wheelers

Grades are a combination of FICO score and other conditions.

Grade 6 - 24 months 25 - 47 months 48 - 59 months 60 - 71 months 72 - 84 months
A 3.99%* 4.74%* 5.24%* 5.74%* 6.24 - 6.99%*
B 6.99%* 7.74%* 8.24%* 8.74%* 9.24 - 9.99%*
C 9.99%* 10.99%* 11.99%* 12.99%* 13.99 - 15.99%*
D 15.99%* 16.99%* 17.74* 17.99* N/A

Disounts & Add-ons

For more specific information regarding which interest rate discounts & add-ons will apply to your loan, please call 540-639-0885 and speak to one of our account representatives.


RV, Motor Homes, Campers, Boats

Financing of credit union products such as GAP, warranty, credit and/or disability may cause loan to go over max allowable for all A & B grades.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60 61 - 72
A 5.74%* 6.24%* 6.74%* 7.24%* 7.99%*
B 8.24%* 8.74%* 9.24%* 10.24%* 11.24%*
C 11.24%* 11.74%* 12.24%* 13.24%* 15.24%*
D 15.24%* 16.74%* 17.24%* N/A N/A

DISCOUNTS

Discount Type Discount Amount
LTV <80% 0.50%
DIRECT DEP0SIT 0.25%
AUTO PAY FROM 1ST NRV ACC 0.25%
$5000 IN 1ST NRV SAVINGS OR SC 0.25%
VEHICLE <10,000 MILES 0.25%

Unsecured/Signature Loans

All loans except Mortgage, Home Equity, and credit card are eligable for loyalty or usage discounts.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60
A 7.99%* 8.99%* 9.99%* 10.99%*
B 11.99%* 12.99%* 13.99%* 14.99%
C 15.99%* 16.99%* 17.99%* N/A
D 17.99%* 17.99%* N/A N/A

Other Loans

All loans except Mortgage, Home equity and credit card are eligible for loyalty or usage discounts. No loan rate can go below 2.99% the Floor rate is Wall Street Prime [4.75%] if not set by BOD. All E loans and Credit Rebuilder Loans have an interest rate 18% (APR*).

Loan Type Loan Rate Loan Details
CREDIT CARD VISA Wall StreetPrime Rate + 7% = 11.75%* NO ANNUAL FEE
HOME EQUITY* Wall Street Prime Min. 4.50% to a Max. of 14.00%
MORTGAGE See Mortgage Rate Sheet  
UNIMPROVED PROPERTY As low as 6.00% 10 YEARS                    12 YEARS
SMALL AMOUNT /SHORT TERM 28%
$20.00 loan fee

1% Interest Rate Discount for Direct Deposit
1% Interest Rate Discount for Auto-Pay