These rates are current as of August 26, 2010.
| Type |
Direct Pay APR |
Auto Pay APR |
Maximum Term |
|
Fixed Rate Loans |
|
Signature Loans |
| Level #1 |
10.00% |
9.50% |
60 Months |
| Level #2 |
14.00% |
13.50% |
48 Months |
| Level #3 |
16.00% |
15.50% |
48 Months |
| |
| Comaker Loans |
13.00% |
12.50% |
48 Months |
| |
| Overdraft Line of Credit ($500 line of credit) |
16.00% |
No Discount |
$25 Monthly |
| |
| VISA Credit Card (credit limits $500.00 and up to $10,000.00) |
10.00% |
10.00% |
Minimum $25 Monthly or 3% of Balance |
| |
|
Vehicle Loans |
| New (70% MSRP per Black Book website) |
4.25% |
3.75% |
36 Months |
|
4.50% |
4.00% |
48 Months |
|
4.75% |
4.25% |
60 Months |
|
5.00% |
4.50% |
72 Months |
| |
| New (80% MSRP per Black Book website) |
4.50% |
4.00% |
36 Months |
|
4.75% |
4.25% |
48 Months |
|
5.00% |
4.50% |
60 Months |
|
5.25% |
4.75% |
72 Months |
| |
| New (90% MSRP per Black Book website) |
4.75% |
4.25% |
36 Months |
|
5.00% |
4.50% |
48 Months |
|
5.25% |
4.75% |
60 Months |
|
5.50% |
5.00% |
72 Months |
| |
| **Used Vehicle Loans |
5.25% |
4.75% |
36 Months |
|
5.50% |
5.00% |
48 Months |
|
5.75% |
5.25% |
60 Months |
| |
** Vehicles 3 years old or less - finance 90% of Black Book average retail
** Vehicles 4 to 7 years old - finance 80% of Black Book average retail
** Vehicles with salvage titles - finance 70% of Black Book average retail
** Age of vehicle plus term of loan cannot exceed 10 years |
| |
| New Boat |
10.00% |
9.50% |
84 Months |
| |
| Used Boat |
12.00% |
11.50% |
84 Months |
| |
| New Motorized RV (up to $100,000) |
8.25% |
7.75% |
120 Months |
| |
| Used Motorized RV (up to $100,000) |
8.25% |
7.75% |
120 Months |
| |
| New Travel Trailer Towable (up to $50,000) |
8.25% |
7.75% |
120 Months |
| |
| Used Travel Trailer Towable (up to $50,000) |
8.25% |
7.75% |
84 Months |
| |
| New Pop-Up/Fold Down (up to $50,000) |
8.25% |
7.75% |
72 Months |
| |
| Used Pop-Up/Fold Down (up to $50,000) |
8.25% |
7.75% |
60 Months |
| |
| * The credit union will finance up to 75% of NADA average retail value or 75% of the sales price, whichever is less. |
| |
|
Variable Rate Loans |
| |
| Share Secured Loan |
Share Rate + 2%
(minimum 3.75%) |
Share Rate + 2% - .5%
(minimum 3.25%) |
Min. Payment is Interest Due |
| |
| Certificate Secured Loan |
Rate of Certificate + 2%
(minimum 3.75%) |
Rate of Certificate + 2% - .5%
(minimum 3.25%) |
Min. Payment is Interest Due |
| |
| Mobile Home Loans (new without land-fixed) |
*** Call for current rates |
No Discount |
up to 20 years |
| Mobile Home Loans (new without land-variable) |
*** Call for current rates |
No Discount |
up to 20 years |
| |
| Mobile Home Loans (used without land-fixed) |
*** Call for current rates |
No Discount |
up to 15 years |
| Mobile Home Loans (used without land-variable) |
*** Call for current rates |
No Discount |
up to 15 years |
| |
| Construction Loans ($300,000 maximum loans) |
*** Call for current rates |
No Discount |
12 Months |
| |
| Land ($50,000 maximum loan) |
*** Call for current rates |
No Discount |
up to 10 years |
| |
| Vacation Home Loan (1 year *ARM) |
*** Call for current rates |
No Discount |
20 years |
| Vacation Home Loan (3 year *ARM) ($75,000 maximum loan) |
*** Call for current rates |
No Discount |
20 years |
| |
| Home Equity Line of Credit ($10,000 minimum & $100,000 maximum) |
*** Call for current rates |
No Discount |
15 years |
| |
| First Mortgage Loan (2 year *ARM) (up to 90% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (2 year *ARM) (90.1% to 100% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (5 year *ARM) (up to 90% LTV) |
*** Call for current rates |
No Discount |
30 years |
| First Mortgage Loan (5 year *ARM) (90.1% to 100% LTV) |
*** Call for current rates |
No Discount |
30 years |
| |
5 year *ARM
|
*** Call for current rates |
No Discount |
30 years |
| (95% LTV First Time Homebuyer PLUS $1000.00 for closing costs) |
