Loan Rates

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)

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

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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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