Credit Union One Rates

SHARE LOAN: Borrow dollar for dollar against your shares. Interest rate 3%* above the declared dividend from previous quarter. Maturity date for term if using certificate. $40,000 maximum loan.

Personal Loans: (maximum loan up to 5000.00)
Amount	APR *	Conditions For Loan	Term
up to 1000.00	9.99%*	10% in shares (no payment held)	90 days
up to 1500.00	14.99%*	10% in shares & one month payment	12 mo.
5000.00 or less	14.99%*	10% in shares & one month payment	36 mo.

6,500.00 LINE OF CREDIT 7.99% 2 PAYMENTS HELD AS SECURITY 48 mo.

~ term and condition for loan may vary according to credit on file at credit union and credit bureau. ~ anything over 36 months will have an interest rate of 16.00%* with a limit of a 48 mo. term.

Car Loan Rates (45,000.00 limit)
Car/Truck	Term	APR *	Requirement
2015 - 2016	72 mo	9.99%*	5% required in shares & one month payment
2013 - 2014	72 mo	10.25%*	5% required in shares & one month payment
2011 - 2012	60 mo	10.50%*	5% required in shares & one month payment
2009 - 2010	60 mo	10.75%*	5% required in shares & one month payment
2002 - 2008	48 mo	11.00%	10% required in shares & one month payment

Boat Loan Rates (45,000.00 limit)
Boats
2015 - 2016	72 mo	9.99%*	5% required in shares & one month payment
2013 - 2014	72 mo	10.25%*	5% required in shares & one month payment
2009 - 2012	60 mo	10.75%*	5% required in shares & one month payment
1998 - 2008	48 mo	11.00%*	10% required in shares & one month payment
~ older boats before 1998 will go back to the committee for % and term.

Rv/Trailers/Motorcycle Loan Rates (45,000.00 limit)
Rv / Trailers / Motorcycles
2054 - 2016	72 mo	9.99%*	5% required in shares & one month payment
2013 - 2014	72 mo	10.25%*	5% required in shares & one month payment
2008 - 2012	54 mo	10.50%*	5% required in shares & one month payment
2002 - 2004	48 mo	11.00%*	10% required in shares & one month payment

Application fee
$25.00-$50.00	non-refundable

LOAN TERM OVER MAXIMUM MONTHS STATED WILL HAVE A .50%* INCREASE IN STATED CATAGORY.
* (APR) Annual Percentage Rate ~ Some loans/security may not meet any category, but can be considered by the Credit Committee, with terms and interest rate to be negotiated. Mobile Homes and classics cars would fit this category. SHARES PLEDGE PERCENTAGE PLEDGE WILL REMAIN IN ACCOUNT UNTIL LOAN BALANCE EQUALS THE PLEDGE AMOUNT, THEN PLEDGE CAN BE REDUCED. ONE MONTH PAYMENT WILL BE HELD FROM PAYROLL DEDUCTION EACH MONTH AND TRANSFERED TO THE LOAN ON THE 28TH OF EACH MONTH. THIS REQUIREMENT CAN BE WAIVED IF THE APPLICANT IS NOT ON PAYROLL DEDUCTION. PAYROLL DEDUCTION AND LOAN PAYMENTS MUST BE SENT INTO THE OFFICE BY THE 28TH OF EACH MONTH ******$25.00 (No title) - $50.00 (Title Involved) application fee non-refundable*****

All deposits at Credit Union One are insured to $250,000 per account through ASI.
This credit union is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

	Monday	7 am - 5 pm
	Tuesday	10 am - 4:30 pm
	Wednesday	10 am - 4:30 pm
	Thursday	10 am - 4:30 pm
	Friday	7 am - 5 pm

RATES