Rates

Effective as of: 4-11-18

Unsecured Loans-A plus Rates Listed
Term	A.P.R.		Notes
12 months	.....7.25%
24 months	.....7.75%		Maximum Signature Loan Per Member $20,000
36 months	.....7.75%
48 months	.....8.25%
60 months	.....8.50%

Auto/Motorcycle Loans-A plus Rates Listed (contact credit union for older models)

Type	Term	A.P.R.	Notes
2015 and Newer	.....24 Months	.....2.19%
2015 and Newer	.....36 Months	.....2.39%
2015 and Newer	.....48 Months	.....2.59%
2015 and Newer	.....60 Months	.....2.69%
2015 and Newer	.....72 Months	.....3.29%	$16,000.00 minimum loan amount
2015 and Newer	.....84 Months	.....4.99%	$35,000.00 minimum loan amount
2010-2014	.....24 Months	.....2.69%
2010-2014	.....36 Months	.....2.79%
2010-2014	.....48 Months	.....2.99%
2010-2014	.....60 Months	.....3.29%
2010-2014	.....72 Months	.....4.09%	$20,000.00 minimum loan
2007-2009	.....24 Months	.....3.69%
2007-2009	.....36 Months	.....3.99%
2007-2009	.....48 Months	.....4.59%	10% Down Required
2007-2009	.....60 Months	.....5.09%	$15,000.00 minimum loan - 10% Down Required
Recreational Vehicle Loans - A plus Rates Listed
Current year models and up to 9 years old only. Older models at signature loan rates.
Includes Motor Homes, Travel Trailers, Campers, Boats, and livestock trailers with living quarters
Type	Term	A.P.R.	Notes
	Up to 60 month term	Same as the 60 month auto loan rate
	Up to 84 month term	Add 1% to the 60 month auto loan rate	.......$18,000.00 minimum loan amount for this term
	Up to 120 month term	Add 1.75% to the 60 month auto loan rate	.......$25,000.00 minimum loan amount for this term
Share Secured
Type	A.P.R.
Secured by Shares	4% Above Share Dividend Rate
Secured by CD	3% Above Share Certificate Rate
Specialty Loans - A plus Rates Listed
Includes snowmobiles, 4 wheelers, dirt bikes, golf carts (including road ready), personal watercraft, lawn tractors, farm tractors, dump trucks, utility/side by side vehicles, and hauling / livestock trailers with no living quarters
Current year models and up to 9 years old only. Older models at signature loan rates. Credit union must be able to establish a value. Appraisal from a dealer may be required.
Type	Term	A.P.R.	Notes
	Up to 60 month term	Add 2% to the 60 month auto loan rate
	Up to 84 month term	Add 2.5% to the 60 month auto loan rate	.......Minimum loan amount is $25,000
	Up to 120 month term	Add 3.5% to the 60 month auto loan rate	.......Minimum loan amount is $35,000

Home Equity Loans - A plus Rates Listed
Type	Term	A.P.R.	Notes
Closed-End H/E	60 Months	3.75% Fixed	100,000.00 maximum. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates.
	84 Months	4.10% Fixed
	120 Months	4.50% Fixed
HELOC (Line of Credit)	Up to 120 Months	Variable	Call for current rates
			GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387