All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms. For a full disclosure of rates and terms on all Credit Union Consumer Loans (Important – Print this if you wish to apply for a loan), click here to proceed to our Truth in Lending pages (a multi-page document requiring Adobe Acrobat Reader ).