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Current Consumer Loan Rates

Effective 12/31/2016

SECURED LOANS

New and Used Vehicles, Boats, Motorcycles,
Recreational Vehicles and Miscellaneous Security

Term Annual Percentage Rate
Up to 36 months 2.49% to 16.45%*
37 to 48 months 2.49% to 16.95%*
49 to 60 months 2.49% to 17.45%*
61 to 72 months 2.99% to 17.95%*
73 to 84 months 3.99% to 19.45%*

SAVINGS SECURED LOANS

Type Annual Percentage Rate
Share Savings Secured Loans 2.00% + Share Account Rate
Certificate Secured Loans 2.00% + Certificate Rate

PLATINUM MASTERCARD

Introductory Rate – first 6 months / billing cycles 3.99% APR**
Fixed Rate (after Introductory period) 7.90% – 13.75% APR**

UNSECURED LOANS

8.75% TO 20.00% APR*

HOME EQUITY LINE OF CREDIT

Variable Rate Effective 05/24/2012

TERM ANNUAL PERCENTAGE RATE
Up to 144 months, up to 80% Loan to Value 5.00%
Up to 144 months, 81% – 90% Loan to Value 5.75%

Fixed Rate Home Equity Loan

2nd Mortgage

TERM ANNUAL PERCENTAGE RATE
Up to 84 Months, max 80% loan to value 5.49%
Up to 84 Months, 81% – 90% loan to value 5.99%
85 to 120 Months, max 80% loan to value 5.99%
85 to 120 Months, 81% – 90% loan to value 6.49%

*Rate is determined by term, credit score and collateral value. Eligibility for lowest secured loan rate in each tier is based on applicant’s credit score, age of collateral, requires a Skyward Credit Union checking account and automatic transfer of loan payments with a maximum term of 60 months.

**Rate is determined by credit score.