Empowering Your Business with
Customized Commercial Loans

We offer a range of commercial loan options with flexible terms and affordable rates, so you can secure the financing you need to support your company's growth and success.
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Effective: 10/07/2024

Loan Type ANNUAL PERCENTAGE RATE (AS LOW AS) Term Limitations
 Amount
Residential Real Estate (non-owner occupied) 1st Lien 7.00% 5 years; 20 years amortization. Single or multi-family (up to 4 units) 80% LTV lower of the cost or appraised value $1,000,000
Commercial Real Estate 1st Lien 7.00% 5 years; 20 years amortization. 80% LTV lower of the cost or appraised value $2,000,000
Residential Real Construction (non-owner occupied) 1st Lien 7.00% 5 years; 20 years amortization. 9 months interest only at locked rate. 80% LTV lower of the cost or appraised value $1,000,000
Commercial Construction 1st Lien 7.00%

5 years; 20 years amortization. 12 months interest only at locked rate. 80% LTV lower of the cost or appraised value

 $2,000,000
Land X

We do not grant land loans but will consider land as collateral. Max LTV 65%

 X
Commercial Vehicle (title secured) 7.25% .50% for each year in excess of 5

Lesser of 8 years or remaining useful life. 75% of Retail Value

 $200,000
Bus Loans New or Used 7.25% .25% for each year in excess of 5

Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%

 $110,000
Equipment 7.25% .50% for each year in excess of 5

Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%

 $100,000
Working Capital Line of Credit Prime+2% floating

Draws limited to 1 year. Annual extension available. Requires 30 day resting period.

 $100,000 revolving or term
Visa Platinum 11.50%

Reviewed annually. Payment equal to 2.00% of balance calculated monthly $50 minimum payment.

 $25,000 revolving
Share Secured 3.00% above share rate

Up to 10 years depending on amount borrowed. 95% LTV 105% pledge

 Up to Share Balance
Loan Type

ANNUAL PERCENTAGE RATE (AS LOW AS)

 Term Limitations
 Amount
Residential Real Estate (non-owner occupied) 1st Lien 7.00% 5 years; 20 years amortization. Single or multi-family (up to 4 units) 80% LTV lower of the cost or appraised value $1,000,000
Commercial Real Estate 1st Lien 7.00% 5 years; 20 years amortization. 80% LTV lower of the cost or appraised value $2,000,000
Residential Real Construction (non-owner occupied) 1st Lien 7.00% 5 years; 20 years amortization. 9 months interest only at locked rate. 80% LTV lower of the cost or appraised value $1,000,000
Commercial Construction 1st Lien 7.00%

5 years; 20 years amortization. 12 months interest only at locked rate. 80% LTV lower of the cost or appraised value

 $2,000,000
Land X

We do not grant land loans but will consider land as collateral. Max LTV 65%

 X
Commercial Vehicle (title secured) 7.25% .50% for each year in excess of 5

Lesser of 8 years or remaining useful life. 75% of Retail Value

 $200,000
Bus Loans New or Used 7.25% .25% for each year in excess of 5

Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%

 $110,000
Equipment 7.25% .50% for each year in excess of 5

Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%

 $100,000
Working Capital Line of Credit Prime+2% floating

Draws limited to 1 year. Annual extension available. Requires 30 day resting period.

 $100,000 revolving or term
Visa Platinum 11.50%

Reviewed annually. Payment equal to 2.00% of balance calculated monthly $50 minimum payment.

 $25,000 revolving
Share Secured 3.00% above share rate

Up to 10 years depending on amount borrowed. 95% LTV 105% pledge

 Up to Share Balance
1 Stated APR is the lowest rate available for qualified members. Real Estate rates are based daily from TCM. Other rates based on Prime Rate plus a risk adjustment. Prime Rate: 5.00%

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We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

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Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

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Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.