 |
Current Loan Rates
Rates Effective As Of July 29, 2010
Subject To Change By Board Of Directors
| LOAN
RATES |
| LOAN
TYPE |
APR** |
TERMS |
| Unsecured/Secured
Signature |
9.50%*
|
Under $10,000
|
11.00%*
|
Over $10,000
|
| Overdraft Line of Credit |
18.00%****
|
-
|
| Share Secured |
2.00% Above Share Rate
|
-
|
| CD Secured |
2% above
CD Rate
|
-
|
| Debt Consolidation |
18.00%
|
-
|
* Your rate may vary from the above rates and will be
determined by your credit history. For unsecured
debt the amount that a member is eligible to borrow
is based upon their credit score.
• Minimum payment of $50
**** Minimum payment
of $40.00 per month from share draft account. Overdraft
Line of Credit will be disbursed in increments of
$25.00 as required to clear overdrafts.
|
| **APR
is the Annual Percentage Rate. |
|
FOR
NEW AUTOS
We Finance 100% of Sticker Price. |
| LOAN
TYPE |
APR** |
TERMS |
|
24
months |
3.75%*
|
-
|
|
36 months
|
4.00%*
|
-
|
|
48 months
|
4.25%*
|
-
|
| 48 monthly payments
of $22.69 per $1,000 financed. |
|
60 months
|
4.50%*
|
-
|
|
72 months
|
5.00%*
|
Value of vehicle
over $25,001
|
|
*Your
rate may vary from the above rates and will be determined
by your credit history. |
| **APR is the Annual
Percentage Rate. |
|
FOR USED VEHICLES
We Finance 100% of the NADA Official Used Car Guide. |
| LOAN
TYPE |
APR** |
TERMS |
|
24 months
|
4.50%*
|
-
|
|
36 months
|
4.75%*
|
-
|
|
48 months
|
5.00%*
|
-
|
| 48 monthly payments
of $23.03 per $1,000 financed. |
|
60 months
|
5.25%*
|
-
|
|
72 months
|
5.75%*
|
over $25,001
|
| *Your
rate may vary from the above rates and will be determined
by your credit history. |
| **APR is the Annual
Percentage Rate. |
|
FOR NEW RECREATIONAL LOANS
Include Motorcycles, Boats,
Campers, & ATVs.
We finance
100%
of Sticker Price. |
| LOAN
TYPE |
APR** |
TERMS |
|
24 months
|
3.75%*
|
|
|
36 months
|
4.00%*
|
-
|
|
48 months
|
4.25%*
|
+ $4,001
|
| 48 monthly payments
of $23.60 per $1,000 financed. |
|
60 months
|
4.50%*
|
Value
+ $10,001
|
|
72 months
|
5.00%*
|
Value
+ $30,001
|
|
84 months
|
5.25%
|
Value
$30,001 - $50,000+
|
| Balloon Payment
Loans |
120 months
Balloon payment due on the 60th pmt.
(5 years.) |
6.50%*
|
Value
+ $40,001
|
144 months
Balloon payment due on the 72nd pmt.
(6 years.)
|
7.00%*
|
Value
+ $50,001
|
| *Your
rate may vary from the above rates and will be determined
by your credit history. |
| **APR is the Annual
Percentage Rate. |
|
FOR USED RECREATIONAL LOANS
We Finance
100%
of the NADA Official Guide.
|
| LOAN
TYPE |
APR** |
TERMS |
|
24 months
|
4.50%*
|
-
|
|
36 months
|
4.75%*
|
-
|
|
48 months
|
5.00%*
|
Value
+ $4,001
|
| 48 monthly payments
of $23.72 per $1,000 financed. |
|
60 months
|
5.25%*
|
Value
+ $10,001
|
|
72 months
|
5.75%*
|
Value
+ $30,001
|
|
84 months
|
6.00%
|
Value
$30,001 - $50,000+
|
| Balloon Payment
Loans |
120 months
Balloon payment due on the 60th pmt.
(5 years.) |
7.00%*
|
+ $40,001
|
144 months
Balloon payment due on the 72nd pmt.
(6 years.) |
7.75%*
|
+ $50,001
|
| *Your
rate may vary from the above rates and will be determined
by your credit history. |
| **APR is the Annual
Percentage Rate. |
For each of the following reduce
your interest rate 1/4%
For a total of 1.00%
- Are you going to pay your new loan through payroll deduction
or direct deposit?
- Do you have an *active Visa Debit Card with us?
- Do you have an **active Visa Credit Card with us?
- Must be enrolled for e-statements.
* 3 debit card transactions per month
** 1 credit card transaction per month
|
VISA Credit Card With Fixed
Interest Rate of 9.90% APR**
For new accounts transfer balances, cash advances
and purchases. |
*APR is the Annual Percentage Rate.
|
|
