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 Description | Term | APR |
|---|---|---|
| Share Draft Overdraft Protection Maximum unsecured overdraft protection is $2,000.00 | 24 Months | 15.00% |
| Unsecured (signature) Loan | 12 Months | As low as 7.25%* |
| Unsecured (signature) Loan | 24 Months | As low as 7.50%* |
| Unsecured (signature) Loan | 36 Months | As low as 8.00%* |
| Unsecured (signature) Loan | 48 Months | As low as 8.75%* |
| Unsecured (signature) Loan | 60 Months | As low as 9.75%* |
Secured Loan Rates
* With Auto-Pay
Rates effective as of July 20, 2017
| Rate Description | Term | APR |
|---|---|---|
| Vehicle Loan | 24 Months | As low as 1.99%* |
| Vehicle Loan | 36 Months | As low as 1.99%* |
| Vehicle Loan | 48 Months | As low as 1.99%* |
| Vehicle Loan | 60 Months | As low as 1.99%* |
| Vehicle Loan | 72 Months | As low as 1.99%* |
| Vehicle Loan | 84 Months | As low as 4.05%* |
| Vehicle Loan | Over 84 Months | As low as 7.75%* |
| Vehicle Loan- Salvaged or Rebuilt | 12-60 Months | As low as 7.75%* |
| Motorhomes or Boats 2009-2017 With a collateral value in excess of $25,000 | 120-180 Months | As low as 5.75%* |
| Other Collateral | Maximum 60 Months | As 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 Months | 3.10% |
| 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 Months | 3.25% |
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 Description | Term | APR |
|---|---|---|
| 50% LTV* | 5 Years | As low as 2.39% |
| 50% LTV* | 10 Years | As low as 3.50% |
| 50% LTV* | 15 Years | As low as 4.25% |
| 80% LTV* | 5 Years | As low as 2.99% |
| 80% LTV* | 10 Years | As low as 4.00% |
| 80% LTV* | 15 Years | As low as 4.75% |
| 90% LTV* | 5 Years | As low as 3.99% |
| 90% LTV* | 10 Years | As low as 5.00% |
| 90% LTV* | 15 Years | As low as 5.75% |
Home Equity Line of Credit - Variable Rate
| Rate Description | Term | APR |
|---|---|---|
| 90% LTV* 5 yr draw, then 15 yr payback period. | 15 Years | 4.50% |
*APR = Annual percentage rate