Loan Rates
Home Equity -
Heloc
| Max/Min |
Term |
APR |
| 200/10K |
10 years Draw and 15 year repayment
period. |
As low as 4.00%** |
No closing costs on 15K or over
provided loan is not paid off within first 36 months.
** Rate is a variable rate
based on the Prime Rate as published in the Wall Street
Journal, currently at 3.25% as of 2-14-11. Rate can be
adjusted on the first of the calendar quarter following
the change in the Prime Rate. The ANNUAL PERCENTAGE RATE
will never go below the minimum rate of 4.00%.
Home Equity -
Fixed Rate
| Max/Min |
Term |
APR |
| 200/10K |
60 months |
As low as 5.74% |
| 200/10K |
84 months |
As low as 5.99% |
| 200/10K |
120 months |
As low as 6.49% |
| 200/10K |
180 months |
As low as 6.74% |
No closing costs on 15K or over
provided loan is not paid off within first 36 months.
New Cars, Trucks, Vans
| Amount
Financed |
APR |
| 100% |
As low as 2.99%* |
*
60 month term, with direct deposit and
allowable adjustments. Terms over 60 months available
Used Cars,
Trucks, Vans
| Amount
Financed |
Term |
APR |
| 100% (2011& 2010 Model Year) |
37-60 months |
As low as 5.50%* |
| 100% (2007 - 2009 Model Year) |
37-60 months |
As low as 5.75%* |
| 100% (2006 or older) |
25-36 months |
As low as 5.50%* |
*With
Direct Deposit and Allowable
Adjustments
Classic Cars
Contact the Credit Union for rates and terms. |
Personal Loan
| Max. Limit |
Term |
APR |
| Up to 20K*** |
Max. 60 months |
As low as 11.49% |
Personal Line of Credit
| Max. Limit |
Term |
APR |
| Up to 20K*** |
Max. 60 months |
As low as 14.49% |
***Total of all types of unsecured debts with the Credit Union
cannot exceed $20,000.00
New/Used
Motorcycles
| Max. Limit |
Term |
APR |
| New Up to 90% Retail (up
to 30K) |
49-60 months,
loan amount must be greater than $9,999.99 |
As low as 6.49% |
| Used Up to 90% Retail (up
to 20K) |
37-48 months |
As low as 7.49% |
| Used Up to 90% Retail (up
to 20K) |
49-60 months.
loan amount must be greater than $9,999.99 |
As low as 7.74% |
Special
Note: Other rates and terms available with lower terms
New / Used
Boats
| Max. Limit |
Term |
APR |
| *90% |
Up to 24 months |
As low as 5.74% |
| *90% |
25-36 months |
As low as 5.99% |
| *90% |
37-60 months |
As low as 6.49% |
| *90%
greater than $29,999 |
61- 84* months |
As low as 6.99% |
| *90%
greater than $39,999 |
85-120* months |
As low as 7.49% |
*The lower of purchase price or
NADA value.
RV, Trailers & Motor Homes
Contact the Credit Union for rates and terms. |
Special
Note: Rates are annual percentage rates. Rates are based on
direct deposit of net pay into credit union and members credit
worthiness.. Rates subject to change without notice
Platinum
MasterCard
|
Interest Rates and Interest Charges |
Annual Percentage
Rate (APR)
for Purchases |
8.65% to 18.00%
when you open your account,
based on your creditworthiness.
After that your rate will vary
with the market based on the Prime Rate. Prime Rate will be
updated on the 1st business day of each quarter. |
APR for Balance Transfers |
8.65 to 18.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
APR
for Cash Advances |
8.65 to 18.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
Penalty APR and When it
Applies |
18.00%
This APR may be applied to your account after your card
becomes 60 days delinquent.
How Long Will the Penalty APR
Apply?
If
your APR is increased for the above reason, the Penalty APR
will apply until you make six (6) consecutive minimum payments
when due and do not exceed your credit limit during that time
period. |
|
How to Avoid Paying Interest on
Purchases |
Your due date is at least 25 days
after the close of each billing cycle. We will not charge you
interest on purchases if you pay your entire balance by the
due date each month. |
|
For Credit Card Tips from the
Federal Reserve Board |
To learn more about factors to
consider when applying for or using a credit card, visit the
Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
|
Fees |
|
Annual Fee |
None |
Transaction Fees
• Balance Transfer Fee
• Cash Advance
• Foreign Transaction Fee |
None
$10.00 per ATM Withdrawal
2% of each transaction in U.S. dollars |
Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment |
Up to $35.00
None
Up to
$35.00 |
Other Fees
• Convenience Check
Copy Request
Stop pay Request |
$5.00 Per Check Copy
$25.00 Per Stop Pay Item |
How We Will Calculate Your Balance. We use a method called
“average daily balance (including new purchases).” |
Secured MasterCard
|
Interest Rates and Interest Charges |
Annual Percentage
Rate (APR)
for Purchases |
12.65% to 13.00%
when you open your account,
based on your creditworthiness.
After that your rate will vary
with the market based on the Prime Rate. Prime Rate will be
updated on the 1st business day of each quarter. |
APR for Balance Transfers |
12.65 to 13.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
APR
for Cash Advances |
12.65 to 13.00%
Equal to the then current
Annual Percentage
Rate
for Purchases. This APR will vary with the market based on
Prime Rate. |
Penalty APR and When it
Applies |
18.00%
This APR may be applied to your account after your card
becomes 60 days delinquent.
How Long Will the Penalty APR
Apply?
If
your APR is increased for the above reason, the Penalty APR
will apply until you make six (6) consecutive minimum payments
when due and do not exceed your credit limit during that time
period. |
|
How to Avoid Paying Interest on
Purchases |
Your due date is at least 25 days
after the close of each billing cycle. We will not charge you
interest on purchases if you pay your entire balance by the
due date each month. |
|
For Credit Card Tips from the
Federal Reserve Board |
To learn more about factors to
consider when applying for or using a credit card, visit the
Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard |
|
Fees |
|
Annual Fee |
None |
Transaction Fees
• Balance Transfer Fee
• Cash Advance
• Foreign Transaction Fee |
None
$10.00 per ATM Withdrawal
2% of each transaction in U.S. dollars |
Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment |
Up to $35.00
None
Up to
$35.00 |
Other Fees
• Convenience Check
Copy Request
Stop pay Request |
$5.00 Per Check Copy
$25.00 Per Stop Pay Item |
How We Will Calculate Your Balance. We use a method called
“average daily balance (including new purchases).” |
|
