Rates and Terms are subject to change at any time. Please contact the Credit Union to verify the current rates and terms offered on all loan products.
| Loan Rates | |||
| Effective Date: Friday, July 30th, 2010 | |||
| Loan Type | Term | APR (1) | Minimum |
| New Autos (untitled) | Up to 72 mo | 4.24% | |
Used Vehicles (2007 - 2010) |
Up to 72 mo. |
4.49% | |
Used Vehicles (2006 & Older) |
Up to 60 mo. | 11.00% | |
| Home Equity Closed End - 80% LTV | 10 Years | 6.40% | $10,000 |
| Home Equity Closed End - LTV 80% | 15 Years | 7.40% | $10,000 |
| Home Equity (LOC) - LTV 80% (2) | Line of Credit | 3.25% | $10,000 |
| Personal Loans (3) | Up to 60 mo. | 11.00% | |
| "Anytime Cash" Line of Credit (4) | Line of Credit | 12.25% | |
| Educational Loans (5) | Up to 60 mo. | 7.00% | |
| Recreational Vehicles (all years) (6) | Up to 60 mo. | 6.50% | |
| Recreational Vehicles (all years) (6) | Up to 84 mo. | 6.50% | |
| Recreational Vehicles (all years) (6) | Up to 120 mo. | 6.50% | $25,000 |
| Recreational Vehicles (all years) (6) | Up to 180 mo. | 7.90% | $25,000 |
| Share / Certificate of Deposit Pledged | Up to 60 mo. | 4.99% | |
| Business - New Tow Truck (untitled) | Up to 60 mo. | 9.00% | |
Business - Used Tow Truck (2006-2009) |
Up to 60 mo. | 10.50% | |
Business - Tow Truck (2005 & Older) |
Up to 60 mo. | 11.50% | |
Loan Notes:(1) APR = Annual Percentage Rate. The rates and terms offered on each loan type depend on your credit history, income, collateral and the information provided on your loan application. All rates include a 1/4% discount for automatic payments. If automatic payments are not chosen APR will be 1/4% higher. (2) Home Equity Line of Credit has a variable rate that is subject to change on a quarterly basis. (3) Personal Loans: Maximum amount of unsecured credit may not exceed $50,000 per member. (4) "Anytime Cash" line of credit: This is an unsecured loan with a variable rate that is subject to change on a monthly basis. The maximum rate is 18.00%. Credit limits are available up to $15,000.00. (5) Educational Loans: Rate displayed is for educational loans set up with direct deposit. Rate is higher for educational loans set up with conventional payments. (6) Recreational Vehicles include: Boats, Personal Watercraft, Motor Homes, Travel Trailers, Pop-up Campers, Motorcycles, All-Terrain Vehicles, Snowmobiles and Enclosed Trailers. NADA appraised value guidelines will be used to determine values.
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| Credit Card Rates | ||
| Effective Date: Friday, July 30th, 2010 | ||
| Card Type | APR | Rewards |
| VISA Platinum Preferred Premium (1) | 9.99% | Travel, Gifts (Preview Rewards) |
| VISA Platinum Preferred (1) | 13.99% | Travel, Gifts (Preview Rewards) |
| VISA Platinum (1) | 17.99% | |
(1) Variable Rate: The rate is determined monthly by adding 3.74% to prime for a Platinum Preferred Premium, 7.74% to prime for a Platinum Preferred, and 11.74% to prime for a Platinum. The prime rate used to determine your APR is the Prime Rate published in the Wall Street Journal on the first business day following the 20th of the calendar month.
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0% introductory APR for the first 6 billing cycles from account opening on balance transfers. This introductory rate is subject to change if any payment is received after the due date, you make a payment that is not honored by your financial institution or you close your account. This introductory rate does not apply to purchases or cash advances. After 6 billing cycles the rate for Platinum Preferred Premium cards is 9.99%, for Platinum Preferred cards is 13.99%, and Platinum cards is 17.99%. | ||
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