|
Loans
|
Rate
|
APR*
|
Term
|
| Visa (up to $10,000.00 limit based on approval) |
8.99 |
8.99 |
n/a |
| Signature/LOC (payment based on $3.00 per $100.00) |
9.99 |
9.99 |
n/a |
| Student Education Loan/LOC (payment based on $3.00 per $100.00)** |
8.50 |
8.50 |
n/a |
| Overdraft/LOC (payment based on $3.00 per $100.00)*** |
15.00 |
15.00 |
n/a |
| Share Secured# |
2.50 |
2.50 |
n/a |
| Share Certificate Secured# |
1.0 above rate earned on certificate |
n/a |
n/a |
| Non-Titled Collateral (New) |
10.99 |
10.99 |
n/a |
| New Vehicle* |
4.75 |
4.75 |
60 |
| New Vehicles (over $20,000)* |
4.75 |
4.75 |
72 |
| New Vehicles (over $40,000)* |
4.75 |
4.75 |
84 |
| New Vehicles (over $40,000)* |
5.75 |
5.75 |
120 |
| Used Vehicles (up to $2999.00)* |
5.75 |
5.75 |
24 |
| Used Vehicles ($3,000 - $5,999)* |
5.75 |
5.75 |
36 |
| Used Vehicles ($6,000 - $9,999)* |
5.75 |
5.75 |
48 |
| Used Vehicles ($10,000 - $19,999)* |
5.75 |
5.75 |
60 |
| Used Vehicles (over $20,000.00)* |
6.25 |
6.25 |
72 |
| Used Vehicles (over $40,000.00)* |
6.75 |
6.75 |
84 |
| Home Equity Loans (up to $15,000.00, Based on WSJ Prime Rate)**** |
4.00 |
4.00 |
60 |
| Home Equity Loans ($15,000.01- $30,000.00. Based on WSJ Prime rate.)**** |
4.00 |
4.00 |
120 |
| Home Equity Loans (over $30.000.00, Based on WSJ Prime Rate)**** |
4.00 |
4.00 |
180 |
APR=Annual Percentage Rate APY=Annual Percentage Yield
*Your rate will be reduced by .25% if you make your payments via auto deduction. If you discontinue auto deductions, your rate will increase by .25%.
# The floor rate on both Share Secured and Share Certificate Secured loans is 2.50%.
**Your minimum payment is calculated after each advance as follows:
For each $100 or fraction of $100 of your unpaid LOC/Student Education Loan balance will be $3.00. However, your minimum payment will never be less than $10.00. (Monthly)
***Overdraft/LOC minimum payment will be $25.00 (Monthly).
****Home Equity Rates are adjusted with the Prime Rate as published in the Wall Street Journal. Rates are determined by credit score. Your rate may be as low as the Prime Rate. Call or email the credit union for more details.
