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The Annual Percentage Rates (APR) listed for our various loan products are the lowest rates available. The rate you will actually receive is determined by your credit history and score and could be higher than quoted. All loans are subject to credit approval. All rates are determined by the Board of Directors and are subject to change without notice.

All loan rates are effective October 20, 2007

We have reinstated the 80% loan financing special rates. Click here to see the loan interest rates that are available when financing 80% or less of the MSRP for your new vehicle or NADA Average Retail (+/- add on's and mileage) for your used vehicle purchase.

Auto and Truck Rates 100% financing. *

AUTOMOBILE & TRUCK  RATES -  These rates are based on 100% financing of either the MSRP (for new vehicles) OR the NADA average retail +/- options & mileage (for used vehicles) on Automobiles and Trucks for the following model years.

* You may qualify to borrow up to 110% of the vehicle's value for an additional .50% interest. Not all model years will qualify for the additional funds. Please contact either of the creidt union offices for additional information.

Model Year
24 Months
36 Months
48 Months
60 Months
72 Months
2007 - 2008
5.60
5.65
5.70
5.75
6.75
2004 - 2006
6.20
6.30
6.40
6.50
7.50
2001 - 2003
6.95
7.05
7.15
7.25
N/A
2000 & Older
8.00
8.50
9.00
N/A
N/A

BOATS & RV's

Model Year
24 Months
36 Months
48 Months
60 Months
72 Months
84 Months
2007 - 2008
6.60
6.65
6.70
6.75
7.75
9.00
2004 - 2006
7.20
7.30
7.40
7.50
8.50
N/A
2001 - 2003
7.95
8.05
8.15
8.25
N/A
N/A
2000 & older
9.00
9.50
10.00
-
-
-

MOTORCYCLES, ATV's  & PERSONAL WATERCRAFT with titles

Model Year
24 Months
36 Months
48 Months
60 Months

2007 - 2008

6.60
6.65
6.70
6.75

2004 - 2006

7.20
7.30
7.40
7.50 *

2001 - 2003

7.95
8.05 *
8.14 *
8.25 *
2000 & older
9.00
9.50 *
10.00 *
-

* Excludes ATV's & Personal Watercraft

NOTE:  Extended Warranties may be financed with the loan, if the maximum loan values are not exceeded.

PERSONAL LOAN RATES
Term limits may apply to personal loans

Up to 1 year

8.50
Over 1 up to 2 years
10.50
Over 2 up to 3 years
12.50
Over 3 up to 4 years
15.00

SHARE SECURED LOAN RATES

Up to 5 Years

5.75

 

LOAN RATES ARE DETERMINED BY THE BOARD OF DIRECTORS AND ARE
SUBJECT TO CHANGE WITHOUT NOTICE.
 Contact your Sub Treasurer or call one of the Credit Union offices for details.

Contact us at
Decatur Office    (217) 875-1845     fax (217) 875-3648
Galesburg Office   (309) 342-3705      fax (309) 342-4854

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Your Deposits are insured to $250,000.00 per account.

This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.