Rates as of June 24, 2008
| NEW AUTOS 2008 -
NEW MOTORCYCLES (60 Months Max.)
- Never been titled |
| Term |
100% Financed
(0% Down Payment) |
90% Financed
(10% Down Payment) |
| 0 - 60 Months |
4.69% |
4.19% |
61 - 72 Months
(72 Mo. must be >$25,000) |
6.20% |
5.70% |
| |
USED AUTOS 2005 - 2008 -
( 60 Months Max.<$25,000; 66 Mo. Max.>$25,000 )
USED MOTORCYCLES (48 Months Max.) |
| Term |
Trade in Value |
> Trade in Value |
| 48 Months |
5.10% |
5.60% |
| 60 Months |
5.40% |
5.90% |
| 66 Months |
6.20% |
6.70% |
| |
| USED AUTOS 2002 - 2004 <$25,000 |
| Term |
100% Financed
(0% Down Payment) |
Trade in Value |
| 0 - 60 Months |
7.00% |
6.75% |
| |
| USED AUTOS 2001 and Older |
| Term |
100% Financed
(0% Down Payment) |
Trade in Value |
0 - 36 Months
Maximum Term |
8.00% |
7.25% |
| |
| 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 |
5.29% |
| New 0 down |
|
60 mo |
7.00% |
| Used |
Trade-In |
48 mo |
8.50% |
| Used |
Retail |
48 mo |
9.00% |
| |
|
|
|
| New> $25,000 additional 20% down |
72 mo |
7.00% |
| |
| NEW MOBILE HOMES -
Minimum of 10% Down Payment |
| Year |
Type |
Max. Amortization |
90% Financed
(10% Down Payment) |
Adjusts |
| NEW |
Variable |
180 Months |
* Prime + 2% |
Monthly |
| NEW |
** ARM 3 - 1 |
180 Months |
* Prime + 3% |
Monthly |
| NEW |
** ARM 5 - 1 |
180 Months |
* Prime + 4% |
Monthly |
* Current Prime = 5.00%
** Fixed at Prime plus Rate for 3, 5 years & adjusts annually based on prime thereafter. |
| |
| USED MOBILE HOMES 1999 - 2006 ; 1994 - 1998 |
| Year |
Type |
Max. Amortization |
90% Financed
(10% Down Payment) |
Adjusts |
| 1999 - 2006 |
Variable |
180 Months |
* Prime + 3% |
Monthly |
| 1999 - 2006 |
** ARM 3 - 1 |
180 Months |
* Prime + 4% |
Monthly |
| 1999 - 2006 |
** ARM 5 - 1 |
180 Months |
* Prime + 5% |
Monthly |
| 1994 - 1998 |
Variable |
120 Months |
* Prime + 4% |
Monthly |
| 1994 - 1998 |
** ARM 3 - 1 |
120 Months |
* Prime + 5% |
Monthly |
| 1994 - 1998 |
** ARM 5 - 1 |
120 Months |
* Prime + 6% |
Monthly |
* Current Prime = 5.00%
** Fixed at Prime plus Rate for 3, 5 years & adjusts annually based on prime thereafter. |
| |
| NEW CONSUMER GOODS
(Fold-Downs, Lawn Tractors, Computer, etc.) |
| Term |
80% Financed
(20% Down Payment) |
100% Financed
(0% Down Payment) |
| 0 - 36 Months |
5.75% |
5.75% |
| 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% |
10.0% |
N/A |
| |
| BUSINESS PURPOSE >$50,000
(New or Qualified Used) |
| Term |
36 Month |
60 Month |
| RATE |
* Prime (6% Floor) |
* Prime (7% Floor) |
| * Current Prime = 5.00% |
| |
| 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%
5.50%
6.50% |
* Prime
* Prime + .5%
* Prime + 1.5% |
** ARM 3-1 < 85%
Ex. Pay $158.19/month on $20,000 borrowed at 5.00% APR |
5.00% |
* Prime |
** ARM 5-1 < 85%
Ex. Pay $160.81/month on $20,000 borrowed at 5.25% APR |
5.25% |
* Prime + .25% |
** ARM 7-1 < 85%
Ex. Pay $166.12/month on $20,000 borrowed at 5.75% APR |
5.75% |
* Prime + .75% |
Closed-End / FIXED
0-60 Mo. Amortization
Ex. Pay $377.34/month on $20,000 borrowed at 4.99% APR for a 5 year term |
4.99% |
N/A |
Closed-End/Fixed
61-180 Mo. Amortization
Ex. Pay $163.32/month on
$20,000 borrowed at 5.49%
APR for a 15 year term
|
5.49% |
N/A |
* Current Prime = 5.00% 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. |
|
|
 |
9 Month CD |
$1,000 min |
2.90% APY |
18 Month CD |
$1,000 min |
3.20% APY |
27 Month CD |
$1,000 min |
N/A |
42 Month CD |
$1,000 min |
3.60% APY |
| |
| Click HERE for additional Deposit Rates! |
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| |
 |
New Auto |
4.19% APR |
Used Auto |
5.10% APR |
Home Equity Loan |
4.99% APR |
| |
| Click HERE for all Loan Rates! |
 |
 |
Effective May 1, 2008
$5.00 par value membership will increase to $25.00.
What does that mean to you?
Membership accounts (ages 16 and older) need to maintain a $25 minimum balance. |
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