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CURRENT RATES
(starting as low as)
LOANSAPRTERMS
New Car2.5%up to
60 months
Used Car2.5%up to
48 months
Personal3.5%up to
36 months
Raw Land7.9%up to
60 months
Share Secured3.0%____
Home Equity4.75%up to
60 months
APR = Annual Percentage Rate

Rates & Fees

Subject to change


Loans Loans 2 Savings Certificates and IRAs Fees

Effective as of: 11/1/2014

LOANS

Loan TypeLoan DescriptionApproximate TermsAPR
AUTO LOANS
Auto Loan - New80% Financingup to 60 months2.5%
Auto Loan - New80% Financing61 - 72 months3.0%
Auto Loan - New90% Financingup to 60 months2.9%
Auto Loan - New90% Financing61 - 72 months3.5%
Auto Loan - New100% Financingup to 60 months4.0%
Auto Loan - New100% Financing61 - 72 months4.5%
Auto Loan - Used80% NADA Trade Valueup to 48 months2.5%
Auto Loan - Used80% NADA Trade Value49 - 72 months3.0%
Auto Loan - Used90% NADA Trade Valueup to 48 months2.9%
Auto Loan - Used90% NADA Trade Value49 - 72 months3.5%
Auto Loan - Used100% NADA Trade Valueup to 48 months4.0%
Auto Loan - Used100% NADA Trade Value49 - 72 months4.5%
Auto Loan - Used100% Retail Valueup to 60 months5.5%
Auto Loan - Classics90% of Appraised Valueup to 48 months9.9%
MOTORCYCLES
Motorcycles - New80% Financingup to 36 months5.9%
Motorcycles - New80% Financing37 to 72 months6.5%
Motorcycles - Used80% NADA Base Valueup to 36 months7.4%
Motorcycles - Used80% NADA Base Value37 to 72 months8.0%
BOATS/RV'S
Boats/RV's - New80% Sales Invoiceup to 48 months7.25%
Boats/RV's - New80% Sales Invoice49 to 60 months7.50%
Boats/RV's - New80% Sales Invoice61 to 72 months7.75%
Boats/RV's - Used80% NADA Base Valueup to 48 months7.25%
Boats/RV's - Used80% NADA Base Value49 to 60 months7.50%
Boats/RV's - Used80% NADA Base Value61 to 72 months7.75%

Additional Information
  • APR = Annual Percentage Rate
  • Rates are subject to change without notice.
  • All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $500.00 deductible on Comprehensive and Collision
  • The Credit Union may select the Appraiser.
  • Line of Credit/Overdraft Protection loans have a minimum monthly payment of $30.00.
  • Share secured and Certificate loans are pledged for full loan amount. Minimum monthly payment of $50.00. KBRHFCU Term Share Certificates only.
  • Profit-Sharing/Retirement Plan loans require that the check be made payable to the retirement plan only, not to exceed the payoff amount. Minimum monthly payment of $30.00.
  • Maximum amount for any type of loan should not be construed as guaranteed. Loans are reviewed on applicant’s ability to pay, intent to pay, assets and credit history.
  • Secured loans(except share secured) financed longer than 48 months shall have a minimum monthly payment of $100.00.
  • Collateral is negotiable and must be evaluated and approved by a credit union loan officer.