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* APR = Annual Percentage Rate.
 
** Amount financed is based upon NADA average retail values, the model year of the car, and the length of the contract.
 
Loan programs and rates are subject to change without notice, and this sheet does not serve as a guarantee of loan programs, rates, fees, credit approval, or conditions that may apply. Rates and terms are based on credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply.
 

Loan Services

Loan Rates - Effective April 1, 2010
Loan Type
APR*

New Auto Loans  
As Low As 3.99%
Used Auto Loans
As Low As 4.69%
Computer Purchase
As Low As 8.99%
Home Improvement
As Low As 8.99%
Card Transfer
As Low As 8.99%
Personal
As Low As 10.25%
Overdraft/Line of Credit 
18.00%

Auto Loans
McKenzie Valley Federal Credit Union offers auto loan rates much lower than a bank plus we provide repayment terms to meet your needs. We also offer a range of added features to make your loan process just right for you, including:

  • Up to 90% financing available**
  • Refinancing options
  • No application fees
  • No prepayment penalties
  • Automatic payment transfer from your checking or savings account
  • Payment protection plans—as much as 40% off dealer costs

Other Loans
Your credit union offers great, low rates and flexible financing for your:

  • Boat Loans
  • RV & Motor Home Loans
  • Jet Ski or Other Watercraft Loans
  • ATV & Motorcycle (touring bikes only)
  • Personal Loans
  • Overdraft Protection/Line of Credit
  • Debt Consolidation
  • Home Improvement
  • Computer Purchase

Convenient Payments
We have several convenient payment options for your loan payments at the credit union:

  • Make your payments in person or by mail
  • Authorize an automatic transfer from a checking or savings account
  • Opt for payroll deduction—your employer forwards the authorized funds to the credit union directly, and the deducted amount will show on your pay stub

Protection Plans
Mckenzie Valley Federal Credit Union offers a range of special products that give you affordable ways to protect your loans. The premiums for these services can be included in your loan, and you could save as much as 40%  (compared to other lenders) with:

  • Credit Life & Disability
  • Mechanical Breakdown Insurance (MBI)
  • Guaranteed Auto Protection (GAP)

Mortgages
Whether you are buying your first home, refinancing your existing home, or moving into a better one, we offer a variety of mortgage options, including great rates, flexible terms on variable amounts, and refinance choices through our partnership with Pacific Cascade Mortgage, LLC.
Our mortgage loan officer will listen to your needs and recommend a plan that’s right for you.
Please call the Credit Union office or Bonnie Smith at Pacific Cascade Mortgage, LLC for more information.

For more information on mortgage loans or to apply online, please click here.
       
"This credit union is federally insured by the National Credit Union Administration."
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