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Risk-Based | Loans | Mortgage | Savings | Certificates
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Open End Lending now available. A one time application to be completed for most loans. Under one open end plan you can have several loans of different types. Cash advances are granted within minutes. Contact the Credit Union Office for details.
Rates Subject to Change. Rate Based on Beacon Scores.
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CREDIT CARDS
| VISA PLATINUM CREDIT CARDS |
Premier |
Select |
Choice |
Signature |
1st Time Visa |
| Payments based on 2% of balance. Fixed Rate |
8.90% |
9.90% |
11.90% |
15.90% |
15.90% |
UNSECURED LOANS
OPEN END LINE OF CREDIT (LOC)
Up to $7000.00 |
A
APR* |
B
APR* |
C
APR* |
| Payments based on 3% of last cash advance. Variable Rate. |
8.75% |
9.75% |
11.00% |
CLOSED END SIGNATURE LOAN
Up to $5000.00 |
D
APR* |
No Beacon
APR* |
1st Time Loan
APR* |
| 48 months - Fixed Rate |
13.25% |
15.25% |
11.00% |
| OVERDRAFT LOAN |
RATE |
| $300.00 - $1000.00 |
15% |
| 90 DAY NOTES |
RATE |
| Up to $1000.00 |
15% |
| SPeedMoney Loans |
RATE |
| $200 to $600 for up to 3 months |
22% or 28% |
COLLATERAL LOANS
You can save 1/4% on collateral loans if you have your monthly payment directly pulled from your checking account with us.
All D and No Beacon paper will be closed end.
| NEW VEHICLES |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months
60 months
72 months - Over $25,000
84 months - Over $40,000
|
2.74%
3.24%
3.74%
4.24%
4.74% |
2.99%
3.49%
3.99%
4.49%
4.99% |
4.99%
5.49%
5.99%
6.49%
6.99% |
8.99%
9.49%
9.99%
10.49%
10.99% |
9.99%
10.49%
10.99%
11.49%
11.99% |
| USED VEHICLES |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
36 months
48 months - Over $7,000
60 months - Over 18,000
72 months - Over 25,000 |
2.74%
3.24%
3.74%
4.24% |
2.99%
3.49%
3.99%4.49% |
4.99%
5.49%
5.99%
6.49% |
8.99%
9.49%
9.99%
10.49% |
9.99%
10.49%
10.99%
11.49% |
| NEW MOTORCYCLES |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
36 months
48 months - Over $7,000
60 months - Over $18,000
72 months - Over $25,000 |
3.00%
3.50%
4.00%
4.50% |
3.25%
3.75%
4.25%
4.75% |
5.25%5.75%
6.25%
6.75% |
9.25%
9.75%
10.25%
10.75% |
10.00%
10.50%
11.00%
11.50% |
| USED MOTORCYCLES |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
36 months
48 months - Over $7,000
60 months - Over $18,000
72 months - Over $25,000 |
3.25%
3.75%
4.25%
4.75% |
3.50%
4.00%
4.50%
5.00% |
5.50%
6.00%
6.50%
7.00% |
9.50%
10.00%
10.50%
11.00% |
10.50%
11.00%
11.50%
12.00% |
| NEW BOATS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
36 months - Under $3,000
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
84 months - Over $40,000 |
3.00%
3.50%
4.00%
4.50%
5.00% |
3.25%
3.75%
4.25%
4.75%
5.25% |
5.25%
5.75%
6.25%
6.75%
7.25% |
9.25%
9.75%
10.25%
10.75%
11.25% |
10.25%
10.75%
11.25%
11.75%
12.25% |
| USED BOATS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
36 months - Under $3,000
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000 |
3.25%
3.75%
4.25%
4.75%
|
3.50%
4.00%
4.50%
5.00%
|
5.50%
6.00%
6.50%
7.00% |
9.50%
10.00%
10.50%
11.00% |
10.50%
11.00%
11.50%
12.00% |
| NEW ATV'S AND PERSONAL WATERCRAFTS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
3.50%
4.00%
4.50%
5.00%
|
3.75%
4.25%
4.75%
5.25%
|
5.75%
6.25%
6.75%
7.25% |
9.75%
10.25%
10.75%
11.25% |
10.75%
11.25%
11.75%
12.25% |
| USED ATV'S AND PERSONAL WATERCRAFTS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
5.25%
5.50%
5.75%
6.00%
|
5.50%
5.75%
6.00%
6.25%
|
7.50%
7.75%
8.00%
8.25% |
11.50%
11.75%
12.00%
12.25% |
12.50%
12.75%
13.00%
13.25% |
| NEW FARM AND YARD EQUIPMENT |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
6.75%
7.00%
7.25%
7.50%
|
7.00%
7.25%
7.50%
7.75%
|
9.00%
9.25%
9.50%
9.75% |
13.00%
13.25%
13.50%
13.75% |
14.00%
14.25%
14.50%
14.75% |
| USED FARM AND YARD EQUIPMENT |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
7.00%
7.25%
7.50%
7.75%
|
7.25%
7.50%
7.75%
8.00%
|
9.25%
9.50%
9.75%
10.00% |
13.25%
13.50%
13.75%
14.00% |
14.25%
14.50%
14.75%
15.00% |
| CLASSIC CARS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $18,000
72 months - Over $25,000
|
6.00%
6.25%
6.50%
6.75%
|
6.25%
6.50%
6.75%
7.00%
|
8.25%
8.50%
8.75%
9.00% |
12.25%
12.50%
12.75%
13.00% |
13.25%
13.50%
13.75%
14.00% |
| NEW MOTOR HOMES AND TRAVEL TRAILERS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
5.75%
6.00%
6.25%
6.50%
|
6.00%
6.25%
6.50%
6.75%
|
8.00%
8.25%
8.50%
8.75% |
12.00%
12.25%
12.50%
12.75% |
13.00%
13.25%
13.50%
13.75% |
| USED MOTOR HOMES AND TRAVEL TRAILERS |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
No Beacon
APR* |
|
36 months
48 months - Over $7,000
60 months - Over $15,000
72 months - Over $25,000
|
6.25%
6.50%
6.75%
7.00%
|
6.50%
6.75%
7.00%
7.25%
|
8.50%
8.75%
9.00%
9.25% |
12.50%
12.75%
13.00%
13.25% |
13.50%
13.75%
14.00%
14.25% |
| SAVINGS AND CERTIFICATE SECURED |
Rate
APR*
|
Term |
| Open End Share Secured Loans - Up to 144 months (depending on amount) |
3.25% |
144 |
| Open End Certificate Secured Loans - Up to 144 months (depending on amount) |
4.75% |
144 |
REAL ESTATE LOANS
| PROPERTY LOANS (Fixed Rated) |
Rate
APR*
|
Term |
| Up to $25,000.00 - Unimproved property only |
7.00% |
120 |
| HELOC LOANS (Home Equity Line of Credit) (Variable Rate) |
Rate
APR*
|
Term |
|
| Rate based on Prime Interest Rate, Calcasieu Parish Only! |
3.25% |
120 |
Calculator |
SAVINGS
| SAVING ACCOUNTS |
Rate |
APY* |
| Regular Savings |
.25% |
.25% |
| Christmas Club Account |
.25% |
.25% |
| IRA - (Traditional IRA) |
.75% |
.75% |
| IRA - (Roth IRA) |
.75% |
.75% |
SHARE DRAFT (CHECKING) ACCOUNTS
| SAVING ACCOUNTS |
Rate |
APY* |
| Share Draft Account - Simply Checking |
.15% |
.15% |
| Share Draft Account - (Premier Checking) |
.40% |
.40% |
| Share Draft Account - (Golden Checking) (must be over 55) |
.40% |
.40% |
| Share Draft Account - (First Checking) (must be under 21) |
.00% |
.00% |
CERTIFICATE OF ACCOUNTS
| CERTIFICATES |
Rate |
APY* |
| 6 Month Certificate |
.50% |
.50% |
| 12 Month Certificate |
.55% |
.55% |
| 18 Month Certificate |
.60% |
.60% |
| 24 Month Certificate |
.85% |
.85% |
All Rates are Subject to Change
90 Day Interest Penalty for Early Withdrawal |
*APY-annual percentage yield
Notice to members for Customer Identification Under USA Patriot Act
In order to comply with the USA Patriot Act, we are required to verify the identity of members applying for and opening new accounts/services or adding signatories to existing account/services with the credit union. Information that we require to obtain includes: name, mailing address, residence address, social security number; date of birth; and copy of government issued photo ID (such as drivers license).
Additional data or identification, as required under this act may also be gathered depending on the type of account applied for or opened.
Data on existing members will be gathered as they open or use additional services offered by the credit union or add signatories on accounts.
The USA Patriot Act requires the credit union to maintain records of the identification verfication and update the information.
Confidentiality of this information will be maintained as required under the Privacy Act and all other applicable laws and regulations.
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