Loan Rates

Rates Effective March 31, 2014

Secured Auto (2008-2014)
Term APR* as low as Min. Amt.
24 Month 2.50% N/A
36 Month 2.50% N/A
48 Month 2.50% $7,500
60 Month 2.50% $10,000
72 Month 2.75% $15,000
84 Month 3.75% $25,000
Secured Auto (2007 & older)
Term APR* as low as Min. Amt.
24 Month 2.50% N/A
36 Month 2.50% N/A
48 Month 2.50% $7,500
60 Month 2.50% $10,000
72 Month 2.75% $15,000
84 Month 3.75% $25,000
Boat, Motorcycle, RV**
Term APR* as low as Min. Amt.
24 Month 3.00% N/A
36 Month 3.00% N/A
48 Month 3.00% $7,500
60 Month 3.00% $10,000
72 Month 3.45% $15,000
84 Month 4.45% $25,000
Signature Loans
Term APR* as low as Max. Amt.
24 Month 8.95% $20,000
36 Month 8.95% $20,000
48 Month 8.95% $20,000
60 Month 8.95% $20,000
Payment Example: APR = Annual Percentage Rate. Pay $20.75 per month per $1,000 borrowed at 8.95% for 60 months.
VISA Line of Credit
APR* as low as Daily Periodic Rate Max. Amt.
8.49% 0.023260% $20,000
Share Secured Loan
Term Variable Rate APR* Min. Amt.
120 Month 90% Loan to Share 3% Above Regular Share Rate $500
Certificate Secured
APR* Min. Amt.
3% Above Regular Share Rate $500
Overdraft Protection - Line of Credit
APR* as low as Daily Periodic Rate Min. Amt. Max. Amt.
17.00% 0.046575% $100 $1,000

Overdraft Protection: The minimum monthly payment is $25.00: payments are due on the 10th of the month. This addendum is incorporated into and becomes part of your LOAN-LINER Credit Agreement. Please keep this attached to your LOAN-LINER Credit Agreement.

Returned Check Fee: On all sub-accounts, if a check or share draft is returned unpaid, you agree to pay a fee of $25.00

Late Charges: For balances less than $15,000, if your payment is 10 or more days late, you will pay a late charge of 3.00% of the past due payment or $30.00, whichever is greater. Late payments on balances over $15,000 or more have a late charge equal to the greater of 6.00% of the past due payment or $30.00. There is a ten (10) day grace period for the overdraft protection sub-account.

Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees.

  • Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate will be disclosed before you become obligated.
  • Financing of collateralized loans based on the manufacturer's suggested retail (MSRP) and Kelly Blue Book Guide on used collateral.
  • All loans and terms are subject to approval. All rates and terms are subject to change without notice.
  • Ask about rate discounts available
  • Refinancing existing Valley Oak loans to get the lower rate requires a minimum of $1,000 increase in loan proceeds, or a fee of $100.00 will be assessed.

*APR = Annual Percentage Rate.
**APR = Annual Percentage Rate. RV loans based on credit worthiness and is subject to change without notification. Rates as low as 3.00% APR applies up to 60 month term, only during the limited April and May 2014 promotional period and by signing up for Automatic Payment. No other offers may be combined. Existing Valley Oak RV loans do not qualify. Membership required. Additional terms and conditions apply. Contact the credit union for full disclosures.