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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*** : You must send income verification to the credit union to complete all loan requests. |
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( click picture to view larger picture )
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Auto, Truck 100% financing model years 2001-present
[Refinancing of current credit union loans not available. Other restrictions may apply.]
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up to 5 years ** |
as low as 6.15% to 6.65% |
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Auto, Truck 80% financing model years 2001-present
[Refinancing of current credit union loans not available. Other restrictions may apply.]
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up to 5 years ** |
as low as 5.65% to 6.15% |
| Motorcycles, RVs, Boats, etc. model years 2001-present |
up to 5 years ** |
as low as 7.65% to 8.15% |
| 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 |
8.40% to 11.90% |
| Real Estate/Mortgage Loans - Contact Judy 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 |
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| 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.
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