Current Loan Rates
As of Sunday, September 05, 2010
- The chart below is used to provide a brief summary of loan rates.
Rates for these products are "as low as" stated.
Rates are determined by an evaluation of applicant credit. Your
rate may vary from the rate shown.
- All rates and terms are subject to change without notice. Rates
shown include all eligible discounts.
- For complete details on any loan product, contact
the Credit Union in person or by phone.
- To calculate loan payments, use this Loan
Calculator.
- Loan application fee is $25.00 (if you have been denied
credit at the Credit Union in the last 6 months), Home Equity
Application is $300.00 (waived if you agree to borrow $25,000 or more for at least
one year).
| Loan
Types / Maximum
Term |
APR |
|
New Vehicle - fixed rate
|
| 36 Months |
4.09% |
| 48 Months |
4.29% |
| 60 Months |
4.89% |
| 72 Months |
5.09% |
Maximum loan amount: $75,000 (includes motorcycles, boats, & RV's)
|
| Used Vehicle - fixed rate |
| 36 Months* |
4.69% |
| 48 Months** |
4.89% |
| 60 Months** |
5.49% |
| 72 Months*** |
5.69% |
Maximum loan amount: $75,000 (includes motorcycles, boats, & RV's)
*Year of Vehicle: 2010, 2009, 2008, 2007, 2006, 2005, 2004
**Year of Vehicle: 2010, 2009, 2008, 2007, 2006, 2005
***Year of Vehicle: 2010, 2009, 2008
|
| Home
Equity Loans - fixed rate "No Points Paid" |
| up to 50% LTV |
5.29% |
| up to 80% LTV |
6.49% |
Non-owner occupied: Maximum LTV 80%
Non-owner occupied: Maximum Loan Amount $50,000
Non-owner occupied: Maximum Term 120 Months (add 1.0%)
Minimum Loan Amount: $15,000
Maximum Term: 120 Months (amount ≤ $50,000)
Maximum Term: 180 Months (amount ≥ $50,000)
|
|
| Home Equity Lines Of Credit - HELOC - variable rate - interest only |
| up to 50% LTV |
Prime + 1.00 |
4.25% |
| up to 80% LTV |
Prime + 2.00 |
5.25% |
HELOC Minimum Rate: 4.25%
HELOC Minimum LOC amount: $15,000
Maximum Term: 20 Years (240 Months)
Maximum Rate: 18.00%
Maximum LOC
Amount: $250,000
Maximum Amount, Non-Owner Occupied: $50,000
|
| Personal Loans - fixed rate |
| 1-60 Months |
8.75% |
Minimum Loan Amount: $500
Maximum Loan Amount: $15,000
May require co-signer/maker
|
| Share Secured Loan - fixed rate |
|
Highest Share Rate: +3.00% |
4.00% |
| |
| Share Certificate Secured Loan - fixed rate |
|
CD Rate + 3.00% |
n/a |
| |
| Overdraft LOC - variable rate "Based On Index" |
|
Prime + 5.50% |
8.75% |
Minimum Loan Amount: $500
Maximum Loan Amount: $15,000
Minimum Payment is 2.5% per month of the outstanding principal balance or $50, whichever is greater.
|
| Standard MasterCard® - variable rate |
|
Prime + 3.90% |
11.90% |
Minimum Rate: 11.90%
|
| Platinum MasterCard® - variable rate |
|
Prime + 0.90% |
7.90% |
Minimum Rate: 7.90%
|
|
