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Current Rates – Loans

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Personal Loans APR* Loan Term**
Closed-End/Lines of Credit As low as 8.99% APR* Terms up to 60 Months
Debt Consolidation Loans As low as 9.99% APR* Terms up to 84 Months
Auto Loans APR* Loan Term**
New Vehicles As low as 1.99% Terms up to 84 Months
Used Vehicles As low as 2.49% Terms up to 84 Months
Recreational Vehicles As low as 3.99% Terms up to 120 Months
Home Loans APR* Loan Term**
Home Equity Loans*** As low as 5.00% Contact Credit Union
First Mortgage Contact Credit Union Terms up to 180 Months
Fixed Rate Second Mortgage Contact Credit Union Terms up to 180 Months
Credit Cards APR* Grace Period for Purchases Minimum Finance Charge Annual Fee Method of Computing Balance for Purchases
Visa Classic 11.25% to 17.20% 25 Days $0.01 None Average Daily Balance (Including new purchases)
Visa Platinum 9.25% to 17.20% 25 Days $0.01 None Average Daily Balance (Including new purchases)

Other Credit Card Fees:
Transaction Fee for Purchases……….$0.00
Cash Advance Fee……………………..$0.00
Late Payment Fee…………………….$20.00
Over Credit Limit Fee…………………..$0.00
Cash Advance APR………………..Purchase APR
Foreign Transaction Fee………. 1.00% of transaction amount

*Annual Percentage Rate. Rates as low as. Your credit rating, collateral value, and loan term are used to determine your final rate.
**The longest term does not always qualify for the lowest rate.
*** Variable rate tied to Prime as published in the Wall Street Journal on the first business day of each month. Floor rate is 5.00% APR. Maximum rate is 18.00% APR.
All rates are subject to change without notice. Call the Credit Union at 307-432-­7400 for current rates.
Most loans qualify for a relationship discount. If you have an active checking account or active credit card with First Education or have your loan paid automatically, you may qualify for a.50% APR discount.

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