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Rates as of July 29, 2010
0-60 Months, 2009 or newer, Less than 15,000 miles ...3.25% APR
Requires E-Statement & Auto payments |
| 2009, 2010 & Newer with 20,000 miles or less |
| Term |
10% down payment
|
0% down payment
|
| 0-36 Months |
3.34% |
3.59% |
| 37-48 Months |
3.44% |
3.69% |
| 49-60 Months |
3.54% |
3.79% |
| 61-66 Months |
3.79% |
4.04% |
|
| USED AUTOS 2007 & 2008 and 2009 & 2010 with more than 20,000 miles |
| Term |
Trade Value |
Retail Value
|
| 0-48 Months |
3.94% |
4.19% |
| 49-60 Months |
4.19% |
4.44% |
| 61-66 Months |
4.69% |
4.94% |
| |
| USED AUTOS 2004, 2005 and 2006 |
| Term |
Trade Value |
Retail Value |
| 0-48 Months |
5.19% |
5.44% |
| 49-60 Months |
5.44% |
5.69% |
| USED AUTOS 2003 & older |
| Term |
Trade Value |
Retail Value |
0-36 Months
|
6.44% |
6.94% |
| MOTOR HOMES, TRAILERS, TRAVEL TRAILERS |
| Model Years |
Amount Financed |
Maximum Term |
Rate |
| New |
80% |
84 mo |
7.50% |
| Used 1-2 yrs |
Trade-In |
84 mo |
7.75% |
| Used 3-4 yrs |
Trade-In |
72 mo |
8.25% |
| Used 5 yrs+ |
Trade-In |
60 mo |
8.50% |
| Model Years |
Amount Financed |
Maximum Term |
Rate |
| New |
80% |
60 mo |
5.99% |
| New 0 down |
|
60 mo |
6.49% |
| Used |
Trade-In |
48 mo |
7.49% |
| Used |
Retail |
48 mo |
7.99% |
| |
|
|
|
| New> $25,000 additional 20% down |
72 mo |
7.49% |
| Year |
Rate |
% Down |
Term |
| NEW |
10.50% |
20% |
180 mths |
| Used 2000 - 2009 |
11.50% |
20% |
120 mths |
| Used 1995-1999 |
12.50% |
20% |
96 mths |
| |
| NEW CONSUMER GOODS
(Fold-Downs, Lawn Tractors, Computer, etc.) |
| Term |
80% Financed
(20% Down Payment) |
100% Financed
(0% Down Payment) |
| 0 - 36 Months |
5.50% |
6.50% |
| 48 Months |
8.00% |
9.00% |
| |
| USED CONSUMER GOODS
(Fold-Downs, Lawn Tractors, Computers, etc.) |
| Term |
12 Month |
24 Month |
36 Month |
48 Month |
| USED |
8.0% |
9.0% |
10% |
N/A |
| |
| BUSINESS PURPOSE >$50,000
(New or Qualified Used) |
| Term |
36 Month |
60 Month |
| RATE |
* Prime (6% Floor) |
* Prime (7% Floor) |
| * Current Prime = 3.25% |
| |
| SHARE SECURED & CD SECURED
(Share Secured 12 Month Max.) |
| RATE |
2.00% over Dividend Rate |
| |
| STOCK SECURED
(48 Month Max.) |
| Type |
Rate |
| 75% of Market Value |
9.00% |
| Type |
Rate |
Adjusts Monthly |
Open-End Variable < 85%
86 - 90%
91 - 99% |
4.75% (FLOOR 4.75%)
6.25% (FLOOR 6.25%)
7.50% (FLOOR 7.5%) |
Prime +1.5
Prime + 3
Prime + 4.25
|
** ARM 5-1 < 80%
Ex. Pay $160.84/month on $20,000 borrowed at 5.25% APR |
5.25% (FLOOR 5.25%) |
Prime + 2.0 |
Closed-End / FIXED, 80% Max LTV
0-60 Mo. Amortization
Ex. Pay $361.63/month on $20,000 borrowed at 3.25% APR for 5 year term. ORPay $366.14/month on $20,000 borrowed at 3.75% APR for a 5 year term |
3.25%(A+ paper only)
3.75% |
N/A |
Closed-End / Fixed, 80% Max LTV
61-120 Mo. Amortization
Ex. Pay $219.61/month on $20,000 borrowed at 5.75% APR for a 10 year term
|
5.75% |
NA
|
Closed-End/FIXED, 80% Max LTV
121-180 Mo. Amortization
Ex. Pay $177.06/month on $20,000
borrowed at 6.75%APR for a 15 year term
|
6.75% |
N/A |
* Current Prime = 3.25% Maximum of 21% APR.
** ARM's: Fixed rate and payment for 3, 5, or 7 years. Rate and payment adjusts annually based on prime thereafter up to 15 years. Payment examples above do not include estimates for Credit Life or Credit Disability Insurance Protection.
*** Estimated closing costs to obtain a Home Equity Line of Credit can run anywhere from $150.00 - $500.00 +/-. This includes but is not limited to appraisal fees, lien searches, flood determinations and recording fees.
**** $50.00 minimum payment on all Home Equity Loans.
| |
| UNSECURED LOANS / OPEN-END LOANS |
| Term |
Rate |
| 12 Months |
7.00% |
| 24 Months |
8.00% |
| 36 Months |
10.00% |
| 48 Months |
15.00% |
| |
Rates listed are Annual Percentage Rates.
*** Rates based on qualifying credit. Rates subject to change.
Please feel free to call or e-mail one of the credit union personnel for more information. |
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