Rates as of November 25, 2009
| AUTO LOAN SPECIAL 2006 & Newer |
| Term |
|
|
| 0 - 60 Months |
3.90%* |
|
| *Requires Statement Express/E-Statement & Automatic Loan Payment. No down payment required with qualitying credit. Rebates do not count as down payments. |
| AUTOS 2006 & Newer |
| Term |
|
|
| 0-60 Months |
4.90%** |
|
| 61-72 Months |
5.40%** |
|
| 72 mths ONLY >$30,000 & 10% down |
5.80% |
|
**
No down payment required with qualifying credit.
|
| USED AUTOS 2003 - 2005 |
| Term |
|
|
| 0 - 60 Months |
5.90%** |
|
| * No down payment with qualifying credit. |
| USED AUTOS 2002 and Older |
| Term |
|
|
0 - 36 Months
Maximum Term |
6.90%** |
|
| ** No down payment with qualifying credit. |
| 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 |
6.50% |
7.50% |
| 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 (4% Floor) |
| |
| 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% |
5.00% (FLOOR 5.00%)
5.50% (FLOOR 5.5%)
6.50% (FLOOR 6.5%) |
Prime + 1
Prime + 1.5
Prime + 2.5
|
** ARM 3-1 < 85%
Ex. Pay $153.02/month on $20,000 borrowed at 4.50% APR |
4.50% (FLOOR 4.5%) |
Prime + 1.25 |
** ARM 5-1 < 85%
Ex. Pay $160.80/month on $20,000 borrowed at 5.25% APR |
5.25% (FLOOR 5.25%) |
Prime + 2.0 |
** ARM 7-1 < 85%
Ex. Pay $171.51/month on $20,000 borrowed at 6.25% APR |
6.25% (FLOOR 6.25%) |
Prime + 3 |
Closed-End / FIXED, 80% Max LTV
0-60 Mo. Amortization
Ex. Pay $375.14/month on $20,000 borrowed at 4.75% APR for a 5 year term
|
4.75% |
N/A |
Closed-End/FIXED, 80% Max LTV
61-120 Mo. Amortization
Ex. Pay $219.56/month on $20,000
borrowed at 5.75%APR for a 10 year term
|
5.75% |
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 |
10.00% |
| 24 Months |
10.00% |
| 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. |
|
