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Loans (click here for an application)
(Loan applications signed by joint maker will constitute joint/cosigner status and responsibilites.)
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Term
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APR*
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| ***NOTE*** : We are required to ask you to send income verification to the credit union to complete all loan requests. |
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SPECIAL - NEW (never titled/licensed) Auto, Truck - Limited Time !
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3 years !
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as low as 2.99% ! |
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Auto, Truck 100% financing model years 2003-present
[Refinancing of current credit union loans not available. Other restrictions may apply.]
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up to 5 years ** |
as low as 4.25% to 4.75% |
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Auto, Truck 80% financing model years 2003-present
[Refinancing of current credit union loans not available. Other restrictions may apply.]
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up to 5 years ** |
as low as 3.75% to 4.25% |
| Motorcycles, RVs, Boats, etc. model years 2002-present |
up to 5 years ** |
as low as 6.00% to 6.50% |
| Signature Loans and Signature Line-Of-Credit |
up to approx. 3 years |
9.9% to 16.9% |
| 12/12 Loan |
1 year |
12% to 18% |
| Home Improvement Loan - contact us for details |
upto 5 years |
7.90% to 11.40% |
| Real Estate/Mortgage Loans - Contact Judy (NMLS# 603237) on phone extension 16 or email address: realestate@kembaky.org |
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| Share (Savings) or CD secured Loan (IRA CD not eligible) |
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3% above earning rate of pledged funds |
| Credit Builder Loan |
1 year |
6% to 8% |
| We do not penalize you for early payment or payoff ! |
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Interest rates are based on primvary member's credit score, model year of vehicle and whether 100% or 80% financing of NADA total retail value.
** upto 6 years available if financing over $20,000 and 80% financing at stated APR + 1%
*APR = Annual Percentage Rate
All loan rates mentioned above are Fixed Rates, meaning that the rates will not/ cannot fluxuate after consumation of the loan. The only exception is our Revolving Home Equity Line-Of-Credit, which has a variable rate that may change only twice a year - April 1st and October 1st.
***NOTE*** : You must send income verification to the credit union to complete all loan requests. Please include 'household' income regardless of joint maker signing or not.
To qualify for the lowest interest rates, your credit score must be at least 680 when the credit union employee pulls it from Transunion using the FICO-Classic scoring, AND if this is for a vehicle - financing 80% or less for the vehicle based on its MSRP or, if used, the NADA clean retail + options +/- mileage value.
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