Consumer Loan Rates - Effective September 4, 2008
Rates are a subject to change without notice.
Call the Credit Union in Helena at 406-449-2680 in Bozeman at 406-586-1505 or 1-800-624-2341 
for more information about rates and fees.

Take .25% off the rates below when you submit your application online!


  

Vehicles: New & Nearly New (2003 or Newer)
Terms	APR*	Conditions
0-36 months	As low as 4.950% As low as 4.990%	90% Financing of dealer sticker 100% Financing of dealer sticker
48 months	As low as 4.990%  As low as 4.990%	90% Financing of dealer sticker 100% Financing of dealer sticker
60 months	As low as 4.990% As low as 4.990%	90% Financing of dealer sticker 100% Financing of dealer sticker
72 months	As low as 4.990% As low as 4.990%	90% Financing of dealer sticker 100% Financing of dealer sticker

Vehicles: Used (2002 or Older)
Terms	APR*	Conditions
0-36 months	As low as 6.250% As low as 6.750%	Up to the N.A.D.A. Loan Value Up to 95% of the N.A.D.A. Retail Value
48 months	As low as 6.750% As low as 7.250%	Up to the N.A.D.A. Loan Value Up to 95% of the N.A.D.A. Retail Value
60 months	As low as 7.250%	Up to the N.A.D.A. Loan Value
60months (2001 or newer)	As low as 7.750%	Up to 95% of the N.A.D.A. Retail Value

Loan Payment Example: At 7.00% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $19.89 per $1,000.00 borrowed. (Not all borrowers qualify for 0% down)

ATVs, Motorcycles & Snowmobiles (2008-2009 and previously untitled 2007)
Terms	APR*	Conditions
48 months	As low as 5.750% As low as 7.000%	90% Financing of dealer sticker 100% Financing of dealer sticker
60 months	As low as 6.000% As low as 7.250%	90% Financing of dealer sticker 100% Financing of dealer sticker

 

ATVs, Motorcycles & Snowmobiles (newer used 2004)
Terms	APR*	Conditions
36 months	As low as 6.500% As low as 7.750%	90% Financing N.A.D.A. "Clean Trade-in/Wholesale" Value 100% of the N.A.D.A. RETAIL Value for vehicles

ATVs, Motorcycle & Snowmobile (2003 & older)
Terms	APR*	Conditions
24 months	As low as 8.250% As low as 9.500%	90% Financing N.A.D.A. "Clean Trade-In/ Wholesale" value 100% Financing N.A.D.A. Average Retail value

Loan Payment Example: At 8.00% annual percentage rate (APR) for a 48 month term with 0% down, monthly payments are calculated at $24.54 per $1,000.00 borrowed. (Not all borrowers qualify for 0% down)

Boats, Campers, Travel Trailers, Horse trailers, 5th Wheels  (2008-2009 & previously untitled 2007)
Terms	APR*	Conditions
36 months (up to $4,999)	As low as 5.000% As low as 6.750%	90% Financing of dealer sticker 100% Financing of dealer sticker
60 months ($5,000-$9,999)	As low as 6.000% As low as 7.750%	90% Financing of dealer sticker 100% Financing of dealer sticker
72 months (up to $25,000)	As low as 6.500% As low as 8.250%	90% Financing of dealer sticker 100% Financing of dealer sticker
84 months ($10,000- $14,000)	As low as 7.000% As low as 8.750%	90% Financing of dealer sticker 100% Financing of dealer sticker
96 months ($15,000-$19,999)	As low as 7.500% As low as 9.250%	90% Financing of dealer sticker 100% Financing of dealer sticker
120 months ($20,000- $29,999)	As low as 8.000% As low as 9.750%	90% Financing of dealer sticker 100% Financing of dealer sticker
144 months (30,000 & over)	As low as 8.500% As low as 10.250%	90% Financing of dealer sticker 100% Financing of dealer sticker

Boats, Campers, Travel Trailers, Horse Trailers, 5th Wheels:  Used (previously titled 1990 & newer only)
Terms	APR*	Conditions
48 months	As low as 7.250% As low as 8.250%	90% Financing N.A.D.A. "Clean Trade-in/Wholesale" value 100% Financing N.A.D.A. Average Retail value
60 months	As low as 8.000% As low as 9.000%	90% Financing N.A.D.A. "Clean Trade-in/Wholesale" value 100% Financing N.A.D.A. Average Retail value
72 months (2004 or newer: excludes boats)	As low as 9.000% As low as 10.000%	90% Financing N.A.D.A. "Clean Trade-in/Wholesale" value 100% Financing N.A.D.A. Average Retail value
84 months (2004 or newer: excludes boats)	As low as 9.500% NA	90% Financing N.A.D.A. "Clean Trade-in/Wholesale" value 100% Financing N.A.D.A. Average Retail value

Loan Payment Example: At 9.50% annual percentage rate (APR) for a 84 month term with 0% down, monthly payments are calculated at $16.44 per $1,000.00 borrowed. (Not all borrowers qualify for 0% down)

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Loan Rates listed Below do Not Qualify for the .25% Discount

Motor Homes & RV's 1985 & Newer
Terms	APR*	Conditions
84 months (new or used)	As low as 6.500%	Up to the N.A.D.A. used Wholesale/Trade-in value
120 months (previously untitled only)	As low as 7.500%	90% Financing of dealer sticker
144 months (previously untitled only)	As low as 8.500%	90% Financing of dealer sticker

Loan Payment Example: At 8.25% annual percentage rate (APR) for a 120 month term, monthly payments are calculated at $12.33 per $1,000.00 borrowed.

Miscellaneous (Used Horse Trailers, Equipment, Skid Steers, hot Tubs, Etc.)
Terms	APR*	Conditions
24 months	As low as 7.500%	75% Financing of sale price or dealer valuation
36 months	As low as 9.250%	75% Financing of sale price or dealer valuation
48 months	As low as 10.750%	75% Financing of sale price or dealer valuation

Loan Payment Example: At 10.00% annual percentage rate (APR) for a 36 month term, monthly payments are calculated at $32.46 per $1,000.00 borrowed.

Share Secured
Terms	APR*	Conditions
Up to 48 months	5.50%	Up to 100% of share amount -amortized over 48 months
48 month with balloon	5.50%	Up to 100% of share amount -amortized over 240 months, however, a balloon (refinance) will take place after 48 months to the interest rate in effect at the time of balloon (refinance).

Loan Payment Example: At 5.50% annual percentage rate (APR) for a 48 month term, monthly payments are calculated at $23.34 per $1,000.00 borrowed.

Certificate Secured
Terms	Rate	Conditions
Up to Certificate Maturity Date	Loan rate equal to 3% above certificate rate

Loan Payment Example: At 5.50% annual percentage rate (APR) for a 48 month term, monthly payments are calculated at $23.34 per $1,000.00 borrowed.

Unsecured Advances
Terms	APR*
12 months	As low as 8.250%
24 months	As low as 8.500%
36 months	As low as 8.750%
48 months	As low as 9.000%
60 months	As low as 9.150%

Loan Payment Example: At 10.50% annual percentage rate (APR) for a 24 month term, monthly payments are calculated at $46.42 per $1,000.00 borrowed.

Signature Revolving/Overdraft Protection Line of Credit: See monthly loan payment table below
Terms	APR*
Revolving	12.00%

Revolving Monthly Loan Payment Table

Balance is Greater than	but	Balance is Less than	Monthly Payment is:
$50.00  $201.00  $401.00  $601.00  $801.00  $1,001.00  $1,201.00  $1,401.00  $1,501.00  $1,601.00  $1,701.00  $1,801.00  $1,901.00  $2,001.00  $2,101.00  $2,201.00  $2,301.00  $2,401.00  $2,501.00  $2,601.00  $2,701.00  $2,801.00  $2,901.00  $3,001.00  $3,101.00  $3,201.00  $3,301.00  $3,401.00  $3,501.00  $3,601.00  $3,701.00  $3,801.00  $3,901.00  $4,001.00  $4,101.00  $4,201.00  $4,301.00  $4,401.00  $4,501.00  $4,601.00  $4,701.00  $4,801.00  $4,901.00	- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -	$200.00  $400.00  $600.00  $800.00  $1,000.00  $1,200.00  $1,400.00  $1,500.00  $1,600.00  $1,700.00  $1,800.00  $1,900.00  $2,000.00  $2,100.00  $2,200.00  $2,300.00  $2,400.00  $2,500.00  $2,600.00  $2,700.00  $2,800.00  $2,900.00  $3,000.00  $3,100.00  $3,200.00  $3,300.00  $3,400.00  $3,500.00  $3,600.00  $3,700.00  $3,800.00  $3,900.00  $4,000.00  $4,100.00  $4,200.00  $4,300.00  $4,400.00  $4,500.00  $4,600.00  $4,700.00  $4,800.00  $4,900.00  $5,000.00	$15.00  $20.00  $30.00  $40.00  $50.00  $60.00  $70.00  $75.00  $80.00  $85.00  $90.00  $95.00  $100.00  $105.00  $110.00  $115.00  $120.00  $125.00  $130.00  $135.00  $140.00  $145.00  $150.00  $155.00  $160.00  $165.00  $170.00  $175.00  $180.00  $185.00  $190.00  $195.00  $200.00  $205.00  $210.00  $215.00  $220.00  $225.00  $230.00  $235.00  $240.00  $245.00  $250.00

*Annual Percentage Rate
Truth-In-Lending Disclosure
Schedule of Fees