*APR = Annual Percentage Rate. Actual rate based on credit history. Vehicle loan to value may affect rate. Effective December 31, 2019 and subject to change without notice.

FILING FEE: If the credit union takes a security interest in your collateral, you will be charged a lien filing fee at the time of an advance. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain lien on your property. The amount of the fee will be disclosed on the voucher. NEGATIVE CREDIT: Rates will be 1% to 5% higher for poor credit worthiness, such as bankruptcy, charge-offs, collections, and repossessions. COLLECTION COST: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. PREFERRED RATE: If payroll deduction or automatic payment is discontinued, the APR will increase to the applicable rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid. LATE FEE: If you are more than 10 days late in making a payment, you will pay a late charge of 5% of the payment or a maximum of $25.00 NOTE: All loan rates are quoted as annual percentage rates and are subject to change by board action.