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Current Loan Rates - 100%
All Loan Rates Effective July 21, 2008
We have reinstated the 80% loan financing special rates. Click Here to see the loan interest rates that are available when financing 80% or less of the MSRP for your new vehicle or NADA Average Retail (+/- add on's and mileage) for your used vehicle purchase.
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These rates are based on 100% financing of either the MSRP (for new vehicles) OR the NADA average retail +/- options & mileage (for used vehicles) on Automobiles and Trucks for the following model years.
You may qualify to borrow up to 110% of the vehicle's value for an additional 0.50% interest. Not all model years will qualify for the additional funds. Please contact either of the creidt union offices for additional information.
| AUTO
& TRUCKS (100% Financing) |
24
Months
APR* |
36 Months
APR* |
48 Months
APR* |
60 Months
APR* |
72
Months
APR* |
| 2007 - 2009 |
4.60 |
4.70 |
4.80 |
4.90 |
6.00 |
| 2004 - 2006 |
5.10 |
5.20 |
5.30 |
5.40 |
6.40 |
| 2001 - 2003 |
6.10 |
6.20 |
6.30 |
6.40 |
N/A |
| 2000 - OLDER |
8.00 |
8.50 |
9.00 |
N/A |
N/A |
| *APR Is The Annual Percentage Rate. |
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| BOATS
& RV's |
24
Months
APR* |
36
Months
APR* |
48
Months
APR* |
60
Months
APR* |
72
Months
APR* |
84 Months
APR* |
| 2007 - 2009 |
5.60 |
5.70 |
5.80 |
5.90 |
7.00 |
7.50 |
| 2004 - 2006 |
6.10 |
6.20 |
6.30 |
6.40 |
7.40 |
N/A |
| 2001 - 2003 |
7.10 |
7.20 |
7.30 |
7.40 |
N/A |
N/A |
| 2000 - OLDER |
9.00 |
9.50 |
10.00 |
N/A |
N/A |
N/A |
| *APR Is The Annual Percentage Rate. |
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| MOTORCYCLES,
ATVs, & PERSONAL WATERCRAFT with titles |
24
Months
APR* |
36
Months
APR* |
48
Months
APR* |
60
Months
APR* |
| 2007 - 2009 |
5.60 |
5.70 |
5.80 |
5.90 |
| 2004 - 2006 |
6.10 |
6.20 |
6.30 |
6.40 |
| 2001 - 2003 |
7.10 |
7.20 |
7.30 |
7.40** |
| 2000 - OLDER |
9.00 |
9.50** |
10.00** |
N/A |
| **Excludes ATV's & Personal Watercraft |
| *APR Is The Annual Percentage Rate. |
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NOTE: Extended Warranties may be
financed with the loan, if the maximum loan values are not exceeded.
| PERSONAL
LOANS (Term limits may apply to personal loans) |
APR* |
| Up To 1 Year
|
8.50 |
| Over 1 Up To 2 Years |
10.50 |
| Over 2 Up To 3 Years
|
12.50 |
| Over 3 Up To 4 Years |
15.00 |
| *APR Is The Annual Percentage Rate. |
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| SHARE
SECURED
LOANS |
APR* |
| Up To 5 Years |
4.75 |
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| CERTIFICATE
SECURED LOANS |
APR* |
|
Up To 36 Months
|
Certificate Rate + 2%
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| *APR Is The Annual Percentage Rate. |
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Home Equity Rates Effective As Of March 17, 2008
| Home
Equity Fixed Rate/Fixed Term ($5,000 - $350,000) |
Loan To Value |
APR* |
| 60 Months |
80%
|
4.90 |
| 84 Months |
80%
|
5.90 |
| 60 Months |
81% To 95% |
6.75 |
| 84 Months |
81% To 95% |
7.50 |
| *APR Is The Annual Percentage Rate. |
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| Home
Equity Line of Credit (HELOC) |
Range
Of Balances |
APR* |
| 60 Months Maximum |
$5,000 To $10,000 |
5.25(Prime Rate - 0%) |
| 120 Months Maximum |
$10,001 To $30,000 |
5.25(Prime Rate - 0%) |
| 180 Months Maximum |
$30,001 And Above |
5.25(Prime Rate - 0%) |
5 year draw period $5,000 Minimum initial draw. Minimum $1,000 additional draws. Payments adjusted with each draw (Minimum $100.00 Monthly Payment)
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| *APR Is The Annual Percentage Rate. |
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The Annual Percentage Rates (APR) listed for our various
loan products are the lowest rates available. The rate you will actually
receive is determined by your credit history and score and could be higher
than quoted below. All loans are subject to credit approval. All rates
are determined by the Board of Directors and are subject to change without
notice.
LOAN RATES ARE DETERMINED BY THE BOARD OF
DIRECTORS AND ARE
SUBJECT TO CHANGE WITHOUT NOTICE.
Contact your Sub Treasurer or call one of the Credit Union offices
for details.
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