 |
| Rates Effective
January 2010--Rates Subject to Change Without Notice |
| Type of Loan |
Repayment
Term |
Amount
Financed |
APR*
|
| New
Cars* |
| < $25,000 |
4 YEARS
|
90%
|
4.5%
|
| < $25,000 |
4 YEARS
|
100%
|
4.5%
|
| < $25,000 |
5 YEARS
|
90%
|
4.5%
|
| < $25,000 |
5 YEARS
|
100%
|
4.5%
|
| $25,000 - $30,000 |
6 YEARS
|
90%
|
5.0%
|
| $25,000 - $30,000 |
6 YEARS
|
100%
|
5.0%
|
| > $30, 000 |
7 YEARS
|
90%
|
6.0%
|
| > $30,000 |
7 YEARS
|
100%
|
6.0%
|
| |
| Used Cars* |
| |
3 YEARS
|
90%
|
4.5%
|
4 YEARS
|
90%
|
4.5%
|
5 YEARS
|
90%
|
4.5%
|
| |
| New/Used RV's* |
| < $25,000 |
5 YEARS
|
85%
|
8.60%
|
| $25,000 - $30,000 |
6 YEARS
|
85%
|
8.80%
|
| $30,001 - $35,000 |
7 YEARS
|
85%
|
9.10%
|
| $35,001 - $40,000
|
8 YEARS
|
85%
|
9.30%
|
| > $40,000 |
10 YEARS
|
85%
|
9.60%
|
| |
| New/Used Motorcycles* |
| |
3 Years
|
100%
|
5.10%
|
4 Years
|
100%
|
5.30%
|
5 Years
|
100%
|
5.60%
|
| |
| New/ Used Boat
Loans* |
| < $25,000 |
5 YEARS
|
85%
|
8.60%
|
| $25,000 - $30,000
|
6 YEARS
|
85%
|
8.80%
|
| $30,001 - $35,000 |
7 YEARS
|
85%
|
9.10%
|
| $35,001 - $40,000
|
8 YEARS
|
85%
|
9.30%
|
| > $40,000 |
10 YEARS
|
85%
|
9.60%
|
| |
| Signature Loan* |
5 years
|
-
|
9.60%
|
| |
| Overdraft Protection* |
Revolving
|
-
|
10.0%
|
| |
| VISA®
Classic |
Revolving
|
-
|
12.90%
|
| VISA®
Classic Plus |
Revolving
|
Qualifying Members
|
8.90%
|
| Teen VISA Credit Card
|
Revolving
|
-
|
12.90%
|
| |
| Hypothecation* |
Currently 4%
|
| |
| Home Equity Line of Credit*** |
|
| |
| Fixed Rate Home Equity Loan*** |
Loan
Amount |
LTV
Ratio |
Term |
APR* |
Monthly
Payment |
19,999
|
80%
|
60 Months
|
5.50%
|
19.11 per 1,000
|
19,999
|
80%
|
120 Months
|
6.00%
|
11.11 per 1,000
|
19,999
|
80%
|
180 Months
|
6.25%
|
8.58 per 1,000
|
19,999
|
80%
|
240 Months
|
7.00%
|
7.76 per 1,000
|
20,000
|
80%
|
60 Months
|
5.50%
|
19.11 per 1,000
|
20,000
|
80%
|
120 Months
|
6.00%
|
11.11 per 1,000
|
20,000
|
80%
|
180 Months
|
6.25%
|
8.58 per 1,000
|
20,000
|
80%
|
240 Months
|
7.00%
|
7.76 per 1,000
|
|
|
| |
| Mortgage Loans |
|
| |
| *
ANNUAL
PERCENTAGE RATE...Rate and Terms are subject to change
without notice and are based on your credit history
and information contained on your application.
**
Not to exceed the retail value quoted in NADA
Official Used Car Guide
*** The minimum loan amount is
$5,000.00
*** If the loan amount is more than
$50,000
the credit union will pay all closing costs
*** If the loan amount is
$50,000
or less the credit union will pay
50%
of all closing costs |
|
|
