Loan Rates

Consumer Loan Rates - Effective April 9, 2010
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 with automatic/ACH transfer!


  

Vehicles: New & Nearly New (2006 or Newer)

Terms APR* Conditions
0-36 months

As low as 4.150%
As low as 5.150%

90% Financing of dealer sticker
100% Financing of dealer sticker
48 months As low as 5.150% 
As low as 6.150%
90% Financing of dealer sticker
100% Financing of dealer sticker
60 months As low as 5.150%
As low as 6.150%
90% Financing of dealer sticker
100% Financing of dealer sticker
72 months As low as 6.150%
As low as 6.150%
90% Financing of dealer sticker
100% Financing of dealer sticker


Vehicles: Used (2005 or Older)

Terms APR* Conditions
0-36 months As low as 6.1500%

Up to 95% of the N.A.D.A. Retail Value

48 months As low as 7.150%

Up to 95% of the N.A.D.A. Retail Value

60 months (2001 or newer) As low as 8.150% Up to 95% of the N.A.D.A. Retail Value
72 months (2003 or newer) As low as 8.150% 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 (2007 or Newer) 

Terms APR* Conditions
48 months As low as 6.150% 100% Financing of dealer sticker
60 months As low as 8.150% 100% Financing of dealer sticker
**=100% of NADA Average Retail Value or dealer invoice. Not to exceed 100% including dealer warranty.

 

ATVs, Motorcycle & Snowmobile (2006 or Older)

Terms APR* Conditions
36 months As low as 9.150% 100% Financing N.A.D.A. Average Retail value
48 months As low as 10.150% 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, RV's, Motor Homes, Travel Trailers, 5th Wheels 
(2006 or Newer)

Terms APR* Conditions
48 months As low as 5.150% 100% Financing of dealer Sticker including warranties
60 months As low as 5.150%
100% Financing of dealer Sticker including warranties
72 months As low as 5.150%
100% Financing of dealer Sticker including warranties
84 months (up to 15,000) As low as 5.150%
100% Financing of dealer Sticker including warranties
96 months ($15,000-$19,999) As low as 5.740%
100% Financing of dealer Sticker including warranties
120 months ($20,000- $29,999) As low as 5.740%
100% Financing of dealer Sticker including warranties
144 months ($30,000 -$50,000) As low as 5.740%
100% Financing of dealer Sticker including warranties


Boats, RV's, Motor Homes, Travel Trailers, 5th Wheels 
(2005 or Older)

Terms APR* Conditions
48 months As low as 7.150% 100% Financing of NADA average retail value
60 months As low as 8.150% 100% Financing of NADA average retail value
72 months  As low as 9.150% 100% Financing of NADA average retail value
84 months As low as 10.150% 100% Financing of NADA 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)

--------------------------------------------------------------------------------------------------------------
Loan Rates Listed Below Do Not Qualify for the .25% Discount



Miscellaneous
 (Campers, Horse Trailers, Equipment, Skid Steers, hot Tubs, Etc.)

Terms APR* Conditions
24 months As low as 7.750% 80% Financing of sale price or dealer valuation
36 months As low as 9.500% 80% Financing of sale price or dealer valuation
48 months As low as 11.00% 80% 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 8.750%
24 months As low as 9.000%
36 months As low as 9.250%
48 months As low as 9.500%
60 months As low as 9.750%
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.

Overdraft Protection Line of Credit

Terms APR*
Revolving 12.00%

Unsecured Advance Revolving 
(see table below for monthly loan payment)

Terms APR*
12 Months As low as 9.750%
24 Months As low as 10.000%
36 Months As low as 10.250%
48 Months As low as 10.500%
60 Months As low as 10.750%

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

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-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-

 $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

 

3400 N Montana, Helena, MT 59602 | Phone: 406-449-2680
1820 11th Ave., Helena, MT 59601 | Phone: 406-449-2680

8645 Huffine Lane, Bozeman, MT 59718 | Phone: 406-586-1505

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