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Loan Services
|
Months |
APR |
|
New Vehicles 2008-2011 |
36-84 months
| 3.99% to 15.99% |
| Used Vehicles 2005-2007 |
36-72 months
| 4.74% to 16.74% | | Used Vehicles 2000-2004 |
36-72 months
| 5.64% to 17.64% | | New RV/Boat 2009-2010
| 36-180 months
| 6.24% to 18.00%
|
| Used RV/Boat 2004-2008
| 36-180 months
| 6.49% to 18.00%
|
| Used RV/Boat 2000-2003
| 36-180 months
| 8.24% to 18.00%
|
| Other Collateral
| 36-72 months
| 8.24% to 18.00%
|
| Home
Equity Line of Credit |
| 3.25% (v)1 |
Access Home Equity Loan Terms up to 5 years |
| 5.00%(f)-11.00%(f)2+ |
| Terms up to 15 years |
|
6.00%(f) - 12.00%(f)2+ |
| Terms up to 20 years |
| 6.5%(f)-12.5%(f)2+ |
Home Equity ARM
Terms up to 5 years |
|
4.24%(v)3 |
VISA Platinum No annual fee
|
| 3.9%(f)
12-month purchase and balance transfer rate*
12.9%non-variable APR thereafter |
VISA Share Secured No annual fee
|
| 9.25% (v)
| Personal Loan
| 36-72 months
| 9.99% to 18.00%
| | New Motorcycle 2009-2010 |
36-72 months
| 6.74% to 18.00%
| | Used Motorcycle 2003-2008 |
36-72 months
| 6.99% to 18.00%
|
| |
Rate |
APR |
Points |
| 30 Year Fixed Rate |
4.500% |
|
|
| 15 Year Fixed Rate |
|
|
|
Rates effective as of
July 1, 2010 and subject to change.
APR = Annual Percentage Rate
(f) = fixed rate (v) = variable rate
Loan rates vary, based upon each member's individual credit history and
loan term selected. All loans are subject to credit approval and our
lending policies.
+
There is a .25% basis point discount if the loan is in first position.
1
APR (Annual Percentage
Rate). Only available for new Home Equity Lines of Credit. Rate is
variable and the index used is the US Prime rate published in the Wall
Street Journal as quoted on the last day of the 2nd month of the
preceding quarter (November, February, May, August). Maximum lifetime
APR is 15%. Credit Union pays the closing costs, which include: flood
determination, title insurance and recording fees, up to $300. Applicant
pays appraisal if needed. The costs typically range from $0 to $450.
Primary residence only. Property
insurance is required and flood insurance may be required.
You must meet our credit and underwriting requirements.
Membership requirements apply. Rates subject to change.
2 APR (Annual
Percentage Rate). Only available for new Home Equity Lines of Credit.
Rate is fixed and the rate you qualify for is determined by application
and credit information. Credit
Union pays the closing costs, which include: flood determination, title
insurance and recording fees, up to $300. Applicant pays appraisal if
needed. The costs typically range from $0 to $450.
Primary residence only. Property
insurance is required and flood insurance may be required.
You must meet our credit and underwriting requirements.
Membership requirements apply. Rates subject to change.
3
APR (Annual Percentage
Rate). Only available for new Home Equity ARM loans. The annual
percentage rate is based on a margin and an index. The index is the
Prime Rate as published by the Wall Street Journal. We will use
the most recent index value as of the last day of the previous month
prior to disbursal rounded to the nearest .25%, plus a margin.
Maximum APR is 15%. The annual percentage can change every five
years on the anniversary date of the day we disburse funds. Credit Union
pays the closing costs, which include: flood determination, title
insurance and recording fees, up to $300. Applicant pays appraisal if
needed. The costs typically range from $0 to $450. Primary residence
only. Property insurance is required and flood insurance may be
required. You must meet our
credit and underwriting requirements.
Membership requirements apply. Rates subject to change.
* The promotional balance Transfer APR is good for all balance transfers
for the first twelve billing cycles. Beginning on the first day of the
thirteenth billing cycle, the Periodic Rate and corresponding APR will
increase to the standard rates set forth in section (12) for purchases
and cash advances. Your Balance Transfer APR may end sooner if any Total
Minimum Payment Due is not received by the Payment Due Date. Then, as of
the first day of the billing cycle in which the event occurs, the
Balance Transfer APR will end. Thereafter, the APRs for all new and
outstanding Balance Transfers will be increased to the APR as set forth
in your Credit Card Agreement. Please note that it does not apply to
cash advances. See your Credit Card Agreement for any other applicable
transaction fees.
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