Effective March 2021

Loan Description APR
Share Secured Loans 3.00% over rate
Share Certificate Secured Loans 3.00% over rate
Vehicle Loans Base 6.00%
Vehicle Age
New Vehicle -1.00%
Used Vehicle – 2016 and newer 0.00%
2011 to 2015 +1.00%
2010 & older +2.00%
Credit Score
A – 750 & higher -1.50%
B – 700 – 749 -1.00%
C – 650 – 699 0.00%
D – 600 – 649 +2.00%
E – 500 – 599 or no score +4.00%
Automatic Payments -0.50%
Credit Score
A – 750 & higher 11.00%
B – 700 – 749 12.00%
C – 650 – 699 13.00%
D – 600 – 649 14.00%
E – 500 – 599 15.00%
No Score 15.00%
Length of Employment
3 – 4 Years -0.25%
5 – 9 Years -0.50%
10 – 14 Years -0.75%
15 Years & Over -1.00%
Variable Base Rate 4.50%
Credit Score
A – 750 or Higher -1.50%
B – 700 – 749 -1.00%
C – 650 – 699 0.00%
D – 600 – 649 +2.00%
E – Under 600 or No Score +4.00%
Automatic Payments -0.50%
Minimum Rate 4.00%
Maximum Rate 18.00%
10 Month Fixed Rate 10.00%
Fixed Rate 18.00%
Required Credit Score Above 650
Up to 6 months over +0.25%
7 to 12 months over +0.50%
13 to 18 months over +0.75%
19 to 24 months over +1.00%

APR – Annual Percentage Rate

FILING FEE: YOU WILL BE CHARGED A LIEN HOLDING FEE AT THE TIME OF ADVANCE IF THE CREDIT UNION TAKES A SECURITY INTEREST IN YOUR COLLATERAL. THE AMOUNT OF THE FILING FEE IS BASED UPON THE AMOUNT OF FEE REQUIRED BY STATE LAW FOR THE CREDIT UNION TO OBTAIN A LIEN ON YOUR PROPERTY.

COLLECTION COST: YOU PROMISE TO PAY ALL COSTS OF COLLECTING THE AMOUNT YOU OWE UNDER THIS AGREEMENT, INCLUDING COURT COSTS AND REASONABLE ATTORNEY FEES.

LATE PAYMENT FEE: AFTER A 25 DAY GRACE PERIOD, ALL LOANS WILL BE CHARGED A LATE PAYMENT FEE OF $25.00 PER MONTH.

CONTACT US

Phone: (785) 562-3741
Fax: (785) 562-3439

Address
407 Broadway
P.O. Box 190
Marysville, KS 66508

Branch Hours
Mon - Fri: 9 a.m. - 5:00 p.m.
Sat: 9 a.m. - 12:00 p.m.

Get in touch with us today if you have any questions about Sunflower Community Credit Union.

CONTACT US