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(*) The 0.50% reduction is for loans with repayment set up on
payroll deduction or automatic
transfer from an SCU
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Lease-Like Auto Loan |
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Lower Monthly Payments - Convenient Repayment Terms - No Down Payment Required |
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Model Year(1) |
Fixed Annual % Rate |
Fixed Annual % Rate with PRD/AutoPay(2) |
Repayment Term |
| 2008, 2007 | 6.40% | 5.90% | Up to 60 months |
| 2006 | 6.40% | 5.90% | Up to 48 months |
| 2005 | 6.40% | 5.90% | Up to 36 months |
(1) Available for most
autos, trucks, vans and SUVs. (2) The 0.50% reduction is for
loans with repayment set up on
payroll deduction or automatic transfer from an SCU savings or
checking account. Rates and terms in effect
April 1, 2008. The amount financed for all model years will be the
lower of purchase price or blue book
(or appraised) value of the vehicle. The actual amount you finance
can vary depending on the year, make,
model of vehicle, options on the vehicle, its residual value (value
of vehicle at the end of loan), and any down
payment, trade-in, or rebate that may reduce the purchase price of
the vehicle. Selecting annual mileage options
of 12,000, 15,000, or 18,000 will affect the residual value of the
vehicle at the end of the loan term and will affect
your monthly payment. Existing mileage on a used auto can affect the
amount you finance and the residual value
of the vehicle at the end of the loan term.
VISA - MasterCard Credit Cards
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Credit Card |
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| Annual Percentage Rate for Purchases | Annual Percentage Rate for Cash Advances and Balance Transfers | Grace Period of Repayment of the Balance for Purchases | Method of Computing the Balance for Purchases | Annual Fee | Minimum Finance Charge | Transaction Fee for Purchases, Cash Advances, Balance Transfers |
| 8.9% | 8.9% | 25 Days | Average Daily Balance Including New Purchases | None | None | None |
Mortgage - Home Equity Loans
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Real Estate(*) |
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| Loan Types | Rates & Terms |
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Fixed Rate Mortgage |
Contact us for current rates and terms |
| Adjustable Rate Mortgage | |
| Home Equity Revolving Line of Credit | |
| Fixed Rate Home Equity | |
| Construction Loan | |
(*) We offer first
mortgages in Wisconsin in the following counties:
Portage, Wood, Waushara, Marathon,
and Waupaca. Home Equity
loans are available throughout Wisconsin.
Other Loan Types
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Line-of-Credit |
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Loan Term |
Fixed Annual % Rate |
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Open-Ended Revolving Loan |
9.90% |
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Loan Term |
Fixed Annual % Rate |
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Up to 24 months |
14.00% |
| Consolidation Loans | |
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Rate and terms will vary depending upon whether loan is unsecured or secured |
Contact us - Together we can determine the loan that's right for you and your budget |
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CURA (Credit Union Reserve Account -Line of Credit) |
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Loan Term |
Fixed Annual % Rate |
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Open-Ended Revolving Loan |
14.00% |
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Computer Loans(*) |
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Loan Type |
Variable Annual % Rate |
Fixed Annual % Rate |
Repayment Term |
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Brand New Computer (Purchase Money Only) |
6.50% | 8.00% | Up to 24 months |
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Brand New
Computer |
7.00% | 8.50% | 25 to 30 months |
(*) Index for Variable Rate - 2.00%
(13 Week Average of 13 Week Treasury Bill Auction through March 2008)
Rates on existing variable rate loan balances change on the first
day of each quarter if the index changes.
Rate changes will not change the monthly loan payment due, but may
result in either fewer or more payments.
| Pledged Loans | |||
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Loan Type |
Variable Annual % Rate |
Fixed Annual % Rate |
Repayment Term |
| Share Secured | 3.75% | 5.25% |
Variable rate = repayment at member's option Fixed rate = Up to 36 months |
| Term Share Certificate Secured | N/A | 2.00% higher than Term Share Certificate rate | Equal to the maturity date of Term Share Certificate |
| Stock & Bonds Secured | 4.75% | 6.25% | Up to 36 months |
(*) Index for Variable Rate - 2.00%
(13 Week Average of 13 Week Treasury Bill Auction through March
2008)
Rates on existing variable rate loan balances change on the first
day of each quarter if the index changes.
Rate changes will not change the monthly loan payment due, but may
result in either fewer or more payments.
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