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Vehicles
Recreation Vehicles
Mortgage
Other Loans
Loan Calculator

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Vehicles
Recreation Vehicles
Mortgage
Other Loans
Loan Calculator

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Vehicles
Recreation Vehicles
Mortgage
Other Loans
Loan Calculator

 

 

 

 

 

 

 

 

 

 

 

 

Vehicles
Recreation Vehicles
Mortgage
Other Loans
Loan Calculator

LOAN RATES

 
All Rates are effective as of Mar 20, 2008 and are subject to change by the Board of Directors without notice.

Vehicles - New and Used, Model Year 2004-2008, Purchase or Refinance

Terms APR* Payment per $1000.00
up to 48 mos. as low as 5.24% $23.15
  as high as 12.24% $26.46
up to 60 mos. as low as 5.74% $18.92
  as high as 12.74% $22.65
up to 72 mos. as low as 6.24% $16.70
  as high as 13.24% $20.23
up to 84 mos. as low as 7.49% $15.34
  as high as 14.24% $18.90
*Annual Percentage Rate. 100% financing available to qualified borrowers. Term of loan based on model year and mileage. Add 1% to the annual percentage rate for vehicles with over 100,000 miles.  Set up payments through payroll deduction and receive an additional  discount of .25%.  Your individual rate will depend on your credit worthiness.  Contact the loan department to determine your specific rate.

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"Recreational" Includes - New and Used Boats, Campers, Motorcycles, ATV's, Snowmobiles, Trailers, Lawn and Garden Tractors up to 4 years old.  Also Vehicles > 4 years old. 

Terms APR* Payment per $1000.00
up to 48 mos. as low as 6.24% $23.60
  as high as 13.24% $26.95
up to 60 mos. as low as 6.74% $19.69
  as high as 13.74% $23.17
up to 72 mos. as low as 7.24% $17.17
  as high as 14.24% $20.77
up to 84 mos. as low as 8.49% $15.41
  as high as 15.24% $19.46
up to 120 mos. as low as 9.49% $12.95
  as high as 16.24% $16.93
*Annual Percentage Rate. 100% financing available to qualified borrowers. Term of loan based on age and condition of collateral.  Add 1% to the annual percentage rate for vehicles with over 100,000 miles.  Set up payments through payroll deduction and receive an additional discount of .25%.  Your individual rate will depend on your credit worthiness.  Contact the loan department to determine your specific rate.

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Mortgages
Type Terms APR * Payment per $1000.00
Home Equity Fixed Rate -

1st position
5 years 5.25% $18.49
7 years 5.75% $14.50
10 years 6.25% $11.24
15 years 6.75% $8.86
Home Equity Fixed Rate -

2nd position
5 years 7.00% $19.81
7 years 7.50% $15.34
10 years 8.00% $12.14
Home Equity Line of Credit open end - Variable Quarterly 4.95% Intro. rate

6.0% regular rate

 
*Annual Percentage Rate. Maximum loan amount for all mortgage loans is $100,000.00, the maximum loan to value ratio is 80%. Fees to establish a Fixed Rate Home Equity or a Variable Rate Home Equity Line of Credit are approximately  $150 - $200, excluding an appraisal. The cost for an appraisal, if required, is generally $300.

The introductory rate is fixed thru 12/31/08 and variable quarterly thereafter.  The regular annual percentage rate (APR) on a Home Equity Variable Rate Line of Credit is based on the Prime Rate as published in the Wall Street Journal (45 days prior to the end of each quarter).   The current variable APR of 6% is effective as of 02/15/08. The maximum APR is 18%, the minimum APR is 4%. The minimum monthly payment is the higher of $100 or 1.5% of the outstanding balance as of the last advance.

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All Other Loans

Loan Type Terms Maximum Amount $ APR* Payment per $1000.00
Personal & Consolidation up to 60 mos. 1 month's gross income as low as 9.24% $20.89
    as high as 17.99% $25.40
Computer Loans

100% financing
36 months

$3,000.00 6.95% $30.85
Computer Loan Special!

100% financing
12 months

$3,000.00 5.95% $86.08
Share Draft Line of Credit

payments 5% or $50.00 (less or)

$2,500.00 15.00% -
Share Secured

n/a

n/a 3% above share rate -
Certificate Secured

maturity date of certificate

n/a 2% above share rate -
Mobile Homes - New

80% financing,
10 years

n/a 10.00% $13.22
Mobile Homes - up to 5 years old

80% financing,
10 years

n/a 13.00% $14.93
 
*Annual Percentage Rate.  Regarding Personal and Computer Loans, if you set up payments through payroll deduction you'll receive a discount of .25%.  Your individual rate for Personal/Consolidation Loans will depend on your credit worthiness.  Contact the loan department to determine your specific rate.

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This credit union is federally-insured
by the National Credit Union Administration

PRIVACY STATEMENT


We do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Site created by Pinnacle Development Group / 888-313-9123 / www.gotoPinnacle.com