Loans Loans 2 Savings Certificates and IRAs Fees

Effective as of: August 1, 2017
LOANS
Loan TypeLoan DescriptionApproximate TermsAPR
AUTO LOANS
Auto Loan - Newup to 100% Financingup to 60 months2.5%
Auto Loan - Newup to 100% Financing61 - 72 months3.0%
Auto Loan - Newup to 100% Financing73-84 months4.0%
Auto Loan - Usedup to 100% Financingup to 48 months2.5%
Auto Loan - Usedup to 100% Financing49 - 72 months3.0%
Auto Loan - Usedup to 100% Financing73-84 months4.0%
Auto Loan - Classics90% of Appraised Valueup to 48 months6.5%
MOTORCYCLES
Motorcycles - New80% Financingup to 36 months4.0%
Motorcycles - New80% Financing37 to 72 months5.0%
Motorcycles - Used80% NADA Base Valueup to 36 months4.0%
Motorcycles - Used80% NADA Base Value37 to 72 months5.0%
BOATS/RV'S
Boats/RV's - New80% Sales Invoiceup to 48 months4.5%
Boats/RV's - New80% Sales Invoice49 to 60 months5.0%
Boats/RV's - New80% Sales Invoice61 to 72 months5.5%
Boats/RV's - Used80% NADA Base Valueup to 48 months4.5%
Boats/RV's - Used80% NADA Base Value49 to 60 months5.0%
Boats/RV's - Used80% NADA Base Value61 to 72 months5.5%
 
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.
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