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LOAN RATES
EFFECTIVE AS OF 01/03/2012
| LOAN TYPE |
PERCENT FINANCED |
MAXIMUM TERM |
APR |
MAXIMUM |
NOTES |
| PERSONAL |
|
5 YEARS |
12.90% |
10,000 |
NOTE 1 |
| VISA |
|
OPEN |
12.40% |
5,000 |
|
| VACATION/HOLIDAY |
|
1 YEAR |
7.90% |
|
|
| 1ST MORTGAGE REFINANCE |
80% |
20 YEARS |
4.30% |
250,000 |
NOTE 2 |
| 1ST MORTGAGE REFINANCE |
80% |
15 YEARS |
3.85% |
250,000 |
NOTE 2 |
| 1ST MORTGAGE REFINANCE |
80% |
10 YEARS |
3.60% |
250,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
80% |
15 YEARS |
6.10% |
160,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
80% |
10 YEARS |
5.85% |
160,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
80% |
5 YEARS |
5.50% |
160,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
90% |
15 YEARS |
8.45% |
40,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
90% |
10 YEARS |
8.20% |
40,000 |
NOTE 2 |
| HOME EQUITY - FIXED RATE |
90% |
5 YEARS |
7.85% |
40,000 |
NOTE 2 |
| NEW AUTO |
100% |
5 YEARS |
4.50% |
40,000 |
|
| NEW AUTO |
100% |
6 YEARS |
4.50% |
40,000 |
NOTE 3 |
| USED AUTO - UP TO 6 MODEL YEARS |
100% |
4 YEARS |
4.50% |
30,000 |
NOTE 4 |
| USED AUTO - OVER 6 MODEL YEARS |
100% |
4 YEARS |
9.70% |
10,000 |
NOTE 5 |
| IMPAIRED CREDIT- NEW AUTO |
100% |
6 YEARS |
8.50% |
40,000 |
NOTE 3 |
| IMPAIRED CREDIT- USED AUTO |
100% |
4 YEARS |
8.50% |
30,000 |
NOTE 4 |
| SHARED SECURED |
------ |
6 MONTHS |
RS RATE +2% |
------ |
|
| CERTIFICATE |
70% |
------ |
RS RATE +2% |
------ |
|
| NEW RV |
60% |
7 YEARS |
9.25% |
50,000 |
|
| NEW MOTORCYCLE |
80% |
5 YEARS |
12.00% |
25,000 |
|
| NEW POP-UP CAMPERS, TRAVEL TRAILERS (W/O MOTORS) |
70% |
5 YEARS |
12.00% |
------ |
|
APR=Annual Percentage Rate
NOTE 1: CANNOT REWRITE TO A LOWER RATE FOR SIX MONTHS, AND AT LEAST $1,000 ADDITIONAL AMOUNT BORROWED.
NOTE 2: CANNOT REWRITE TO A LOWER RATE FOR ONE YEAR, AND AT LEAST $2,000 ADDITIONAL AMOUNT BORROWED. MAXIMUM LOANED IS PER RESIDENCE. HIGHER FIRST MORTGAGE LOAN AMOUNTS AVAILABLE WHEN PERCENT FINANCED DOES NOT EXCEED 60%.
NOTE 3: PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO INCLUDING TAX, TITLE, WARRANTIES AND CONVEYANCE FEES.
NOTE 4: UP TO 6 MODEL YEARS OLD, MODEL YEARS CHANGE SEPTEMBER 30, PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO INCLUDING TAX, TITLE, WARRANTIES AND CONVEYANCE FEES NOT TO EXCEED BOOK VALUE.
NOTE 5: OVER 6 MODEL YEARS OLD, MODEL YEARS CHANGE SEPTEMBER 30, PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO NOT TO EXCEED BOOK VALUE OR BEST ESTIMATE.
Rates subject to change without notice. While it is our intent to provide the most current rates and terms on this page, the Credit Union is not responsible for typographical errors, untimely updates or failure to email requested rate changes.
Loan Rates 
