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Loan Rates

Check our Home Page for Specials!


All loans are subject to credit approval and rates are subject to change at anytime without notice.
We are a "Risk Based Lender".  Your loan rate will be assigned to you based on your credit rating (beacon score).

(A payment example: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)

APR* = Annual Percentage Rate

SIGNATURE (UNSECURED): 

Credit Rating

    A+

A

  B

 C

D

1-48 months APR*

6.50 %

7.00 %

7.50 %

9.50%

12.00%

16.50 %

Qualified members may borrow up to $10,000.00 / Minimum Loan Amount = $1,000.00 

Car Shopping?      Click here for the Union built vehicle list!

We have partnered with Automotive to get you

the BEST deal on your new or used vehicle purchase!

Contact: Andy Hendrixson @ 513.587.1612

and tell them you're a 392 Credit Union Member!

Check out Automotive's website for a dealer near you!

We must advise that when selecting a link above YOU WILL BE LEAVING THE CREDIT UNION'S WEBSITE and linking to a website NOT operated by the Credit Union.  The Credit Union is NOT responsible for the content of the alternate website, liable for any failure of products or services advertised on those sites, does NOT endorse or guarantee the products, information or recommendations provided by the linked sites, and does NOT represent the third party or the member if the two should enter into a transaction.  Please note that the privacy and security policies may differ from those practiced by the Credit Union; therefore, the third party website may provide less security than the Credit Union's website.   

(A payment example for ALL closed-end loans: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)

APR* = Annual Percentage Rate

 NEW VEHICLES (CAR, TRUCK or VAN):     2014 - 2017     6,000 Miles or Less

Credit Rating

    A+   

   A

    B

  C

   D

   E

1-60 Months APR*

2.50 %

3.00 %

3.50 %

5.50 %

8.00 %

12.50 %

61-84 Months APR*

2.75 %

3.25 %

3.75 %

5.75 %

8.25 %

12.75 %

USED VEHICLES (CAR, TRUCK or VAN):     2010 - 2016     6,001 Miles or More

Credit Rating

    A+

   A

    B

  C

   D

   E

1-72 Months APR*

3.00 %

3.50 %

4.00 %

7.00 %

8.50 %

13.00 %

**Vehicles older than 2010 - Add 1.00% to the above rates**

RECREATIONAL VEHICLES (BOAT, CYCLE**, CAMPER, ATV**, ETC...): 

Credit   Rating 

  A+

A

B

 C

    D

  E

1-36 Months APR*

5.50 %

6.00 %

6.50 %

8.50 %

11.00 %

15.50 %

37-60 Months APR*

5.75 %

6.25 %

6.75 %

8.75 %

11.25 %

15.75 %

61-84 Months APR*

6.00 %

6.50 %

7.00 %

9.00 %

11.50 %

16.00 %

85-120 Months APR*

6.25 %

6.75 %

7.25 %

 9.25 %

11.75 %

N/A 

**Maximum term for ATVs or Jet Skis = 36 months**

**Maximum term for Motorcycles is NEW = 72 and USED = 60 months**

USED RECREATIONAL VEHICLES:  Add 0.50 % to the rates listed above / Maximum term = 96 mos.

MOBILE HOMES:

Credit Rating

   A+

 A

B

 C

D

   E

APR*

7.25 %

7.75 %

8.25 %

10.25 %

12.75 %

17.25 %

Maximum Term = 120 Months New / 96 Months Used     Maximum Amount = $60,000

SHARE SECURED:  Rate = 3.00 % + highest dividend rate

FIRST MORTGAGES:

 

Our Affordable Loan Solution® mortgage could be a good option if you're a qualified homebuyer unable to make a larger down payment.

This fixed-rate loan for low- and moderate-income borrowers offers a competitive rate with a down payment as low as 3% to help make buying a home more affordable. To see what may be available in your area, contact

Kim Masters, NMLS ID 9471

Sr. Wealth Management Lending Officer, Vice President

http://mortgage.bankofamerica.com/kimberly-masters

kimberly.masters@bankofamerica.com

 


The following APY's (Annual Percentage Yields) 

for all accounts are accurate through today's date.

 Please note: ** Dividends are calculated on an average daily balance, are subject to change daily and are not guaranteed.  Fees could reduce earnings on your account(s).  *APY = Annual Percentage Yield

SHARE DRAFT (CHECKING) DIVIDEND RATES:

Balance**                                                                        

Dividend Rate

APY*

$200 and Up

0.25 %

0.25 %

SHARE (SAVINGS) DIVIDEND RATES:

Balance**                                                                        

Dividend Rate

APY*

$500 to $9,999

0.20 %

0.20 %

$10,000 to $49,999

0.25 %

0.25 %

$50,000 and Up

0.35 %

0.35 %

  

SHARE CERTIFICATE DIVIDEND RATES:

Balance**                                                                        

Dividend Rate

APY*

12 Months

0.60 %

0.601%

24 Months

0.80 %

0.802 %

36 Months

1.00 %

1.004 %

48 Months

1.20 %

1.205 %

60 Months

1.50 %

1.508%

Click here for certificate disclosures.  Click here for a certificate application. 

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