Loan Rates

Rates effective as of July 20, 2016

For consumer loan details, please download the LOANLINER® Addendum.

Unsecured Loan Rates

Rates effective as of April 19, 2017

* With Auto-Pay

Rate DescriptionTermAPR
Share Draft Overdraft Protection

Maximum unsecured overdraft protection is $2,000.00

24 Months15.00%
Unsecured (signature) Loan12 MonthsAs low as 7.25%*
Unsecured (signature) Loan24 MonthsAs low as 7.50%*
Unsecured (signature) Loan36 MonthsAs low as 8.00%*
Unsecured (signature) Loan48 MonthsAs low as 8.75%*
Unsecured (signature) Loan60 MonthsAs low as 9.75%*

Secured Loan Rates

* With Auto-Pay

Rates effective as of July 20, 2017

Rate DescriptionTermAPR
Vehicle Loan24 MonthsAs low as 1.99%*
Vehicle Loan36 MonthsAs low as 1.99%*
Vehicle Loan48 MonthsAs low as 1.99%*
Vehicle Loan60 MonthsAs low as 1.99%*
Vehicle Loan72 MonthsAs low as 1.99%*
Vehicle Loan84 MonthsAs low as 4.05%*
Vehicle LoanOver 84 MonthsAs low as 7.75%*
Vehicle Loan- Salvaged or Rebuilt12-60 MonthsAs low as 7.75%*
Motorhomes or Boats 2009-2017

With a collateral value in excess of $25,000

120-180 MonthsAs low as 5.75%*
Other CollateralMaximum 60 MonthsAs low as 7.75%*
Share Secured Loan

This APR will vary based on the dividend rate of the shares securing the loan and is subject to change on the first day of each quarter.

Maximum 60 Months3.10%
Certificate Secured Loan

This APR will vary based on the interest rate of the certificate securing the loan and will change upon the renewal of the certificate based on the renewal rate.

Maximum 60 Months3.25%

Real Estate Rates

Rates effective as of May 6, 2016

1st Mortgage Loan Rates

The White River Credit Union does not offer first mortgages on homes at this time. However, if you are looking to re-finance your home, or borrow against the value of your home, one of our Home Equity Loans might be all you need. Contact us, and we may be able to help you with some creative financing that will suit your needs.

Fixed Rate Home Equity Loan

*LTV = Loan to Value

Rate DescriptionTermAPR
50% LTV*5 YearsAs low as 2.39%
50% LTV*10 YearsAs low as 3.50%
50% LTV*15 YearsAs low as 4.25%
80% LTV*5 YearsAs low as 2.99%
80% LTV*10 YearsAs low as 4.00%
80% LTV*15 YearsAs low as 4.75%
90% LTV*5 YearsAs low as 3.99%
90% LTV*10 YearsAs low as 5.00%
90% LTV*15 YearsAs low as 5.75%

Home Equity Line of Credit - Variable Rate

Rate DescriptionTermAPR
90% LTV*

 5 yr draw, then 15 yr payback period.

15 Years4.50%

*APR = Annual percentage rate