The credit union can help you with all your borrowing needs.
Rates as of 07-01-10
 No Annual Fee |
3.9% |
- Transactions made during July & August will be a 3.9% for one year and then that balance will revert back to the prevailing rate.
- Annual Percentage Rate for Transfer Balances & Cash Advances: 3.9%
- Grace period: 25 day grace period on purchases only. No grace period on cash advance or balance transfers.
- Method of Computing the Balance for Purchases: Average Daily Balance method (including current transactions)
- Minimum Monthly Payment: 3.00% of the balance or $25, whichever is greater.
- Annual Fee: None
- Late Payment Fee: $20.00
- Cash Advance Fee – none
- Balance Transfer Fee – none
| No Annual Fee |
3.9% |
- Transactions made during July & August will be a 3.9% for one year and then that balance will revert back to the prevailing rate.
- Annual Percentage Rate for Transfer Balances & Cash Advances: 3.9%
- Grace period: 25 day grace period on purchases only. No grace period on cash advance or balance transfers.
- Method of Computing the Balance for Purchases: Average Daily Balance method (including current transactions)
- Minimum Monthly Payment: 3.00% of the balance or $25, whichever is greater.
- Annual Fee: None
- Late Payment Fee: $20.00
- Cash Advance Fee – none
- Balance Transfer Fee – none
|
Up to 12 Months
Up to 24 Months
Up to 36 Months
Up to 48 Months
49 to 84 Months
|
9.00%
10.00%
11.00%
12.00%*
14.00%*
|
Maximum loan amount for personal loan with one signature: $25,000. Maximum loan amount for personal loan with two signatures: $30,000.
VISA limits are included in the signature limit. Minimum loan amount: $500.00
|
Up to 3 Years
4 to 7 Years
|
4.00%
6.00%
|
Minimum loan amount is $500.00.
|
Due Upon Maturity
|
3.00% Above Certificate Rate
|
Minimum loan amount is $500.00.
|
1 to 3 Years
4 to 7 Years
|
7.00%*
8.00%*
|
Minimum loan amount is $500.00.
|
Up to 2 Years
|
6.50%
|
Minimum loan amount is $500.00.
|
Up to 3 Years | 4.99%* Up to 94% financing |
| | 5.99%* 95 – 104% financing |
|
Up to 4 Years | 5.29%* Up to 94% financing |
| | 6.29%* 95 – 104% financing |
|
Up to 5 Years | 5.59%* Up to 94% financing |
| | 6.59%* 95 – 104% financing |
|
Up to 6 Years | 5.89%* Up to 94% financing (new vehicles only) |
| | 6.89%* 95 – 104% financing (new vehicles only) |
Maximum loan amount for car loans: $50,000.00
Vehicles can not be more than 7 years old.
|
Up to 4 Years | 9.00%* Up to 94% financing |
| | 10.00%* 95 – 104% financing |
|
5 to 7 Years | 12.00%* Up to 94% financing |
| | 13.00%* 95 – 104% financing |
|
Loan to Value:
80% and Below
80.01-90%
|
5.50%*
6.50%*
|
5.75%*
6.75%*
|
6.00%*
7.00%*
|
Minimum loan amount for a fixed equity loan is $10,000.00, the maximum loan amount is $75,000.00.
Your interest may be tax deductible, consult your tax advisor.
We offer various products, please call the credit union for quotes.
|
Loan to Value for HELOC is 80%
|
Variable (Prime + 0)
|
The rate is based on the prime rate published in The Wall Street Journal on the last business day of the month.
Your interest may be tax deductible, consult your tax advisor.
Minimum HELOC is $10,000.00, maximum HELOC is $100,000.00.
* Your rate may vary from the above rates and will be determined by various lending factors.
** Membership benefits can decrease your loan rate by .70%.
Repayment example:
A closed-end 3-year personal loan for $5000.00 at 10.25% Annual Percentage Rate (APR) will have 36 monthly payments of $162.34.
All rates are subject to change without notice.
The monies being loaned out by your credit union, are from the funds deposited by you, your family and your fellow members.
This is how your credit union is able to offer these LOW loan rates.
