 |
|
|
Current Loan Rates
Rates Effective:1st Quarter, 2010
| LOAN
TYPE |
|
APR
* |
TERM |
| PERSONAL
$10,000
MAX |
-
|
8.25% - 12.25%
|
60
MONTHS MAXIMUM |
| LINE OF CREDIT
$10,000
MAX |
-
|
8.50% - 12.50%
|
60
MONTHS MAXIMUM |
| EDUCATION |
-
|
8.00%
|
12
MONTHS |
HOLIDAY
$1500
MAX |
-
|
9.50%
|
12
MONTHS |
A+ Loan
$20,000
MAX |
-
|
5.99%
|
60
MONTHS |
| NEW
AUTOS
|
| |
TRADITIONAL FINANCING APR*
RANGE OF RATE
|
TERM |
| |
|
Up To 60 Mo
|
| OVER $20,000 |
5.50% - 13.50%
|
Up To 72 Mo
|
| OVER $50,000 |
5.75% - 7.75%
|
73 to 84 Mo |
*APR is the Annual Percentage Rate.
**The Annual Percentage Rate (APR) is based on an evaluation of your credit. Your actual rate will be within the stated range of rates. |
| USED
AUTOS |
|
Add 1% to new auto rates for 2008-2009 models
Add 2% to new auto rates for 2005-2007 models
|
|
A+ Score 100% financing of NADA Retail value
|
|
A, B Score 90% financing of NADA Retail value
|
|
C, D, E Score 80% financing of NADA Retail value
|
Financing up to 60 months for used autos under $20,000
Financing up to 72 months for used autos over $20,000 |
| SECOND
MORTGAGE |
LOAN-TO-VALUE
RATIO |
APR
* |
TERM |
| |
80% |
5.50%
|
59
MONTHS OR LESS |
| UP
TO $50,000 |
| |
80% |
5.50%
|
59
MONTHS TO
12
YEARS |
| UP TO $50,000
|
| |
75% |
5.50%
|
UP TO
15
YEARS |
| OVER $50,000 |
| |
| HOME
EQUITY LINE OF CREDIT |
LOAN-TO-VALUE
RATIO |
APR
* |
TERM |
| |
80% |
3 year draw
rate=prime rate
(call cu for up to date rate information) |
10
YEARS |
| LOAN TYPE |
|
APR
* |
TERM |
| Share Pledge Loan |
- |
3.00% above the current share dividend rate |
call office |
| Term Share Pledge Loan |
- |
2.50% above current term share dividend rate |
call office |
|
* APR is the Annual Percentage Rate 
|
|
|
