Effective June
15, 2006. Rates subject to change without notice. Credit and other
conditions apply.
The APR is the Credit Union's standard rate.
The rate may vary depending on each individual's credit history and
underwriting factors. |
AUTOS
| Current
and 1 Year Old Autos |
| Type
of Loan |
Loan
Length |
APR |
| New |
Up
to 84 months* |
5.75%
- 12.25%* |
| 1
Year Old*** |
Up
to 72 months* |
5.75%
- 12.25%* |
*Financing
up to 110% of Manufacturers Suggested Retail Price (MSRP)
on New
*Financing up to N.A.D.A Used Retail Value on 1 Year Old |
| Used
Auto Loans |
| Type
of Loan |
Loan
Length |
APR |
| 2
years old*** |
Up
to 72 months* |
6.25%
- 12.75%* |
| 3
- 4 years old*** |
Up
to 66 months* |
6.25%
- 12.75%* |
| 5
- 6 years old*** |
Up
to 48 months* |
6.25%
- 12.75%* |
| 7
- 8 years old*** |
Up
to 42 months* |
6.25%
- 12.75%* |
*Financing up to N.A.D.A. Retail Value on Used Autos
***Click here
to calculate terms of repayment |
|
RECREATIONAL
VEHICLES
| New
Boat and New Camper/RV |
| Type
of Loan |
Loan
Length
(The term provided is used only to determine payments.) |
APR |
| New
|
Up
to 180 months* |
7.25%
- 15.75%* |
| Used
Boat and Used Camper/RV |
| Type
of Loan |
Loan
Length |
APR |
| 1
- 2 years old |
Up
to 60 months* |
9.75%
- 14.75%* |
| 3
- 4 years old |
Up
to 54 months* |
10.00%
- 15.00%* |
| 5
- 6 years old |
Up
to 48 months* |
10.25%
- 15.25%* |
| 7
- 8 years old |
Up
to 36 months* |
10.50%
- 15.50%* |
| *Financing
up to N.A.D.A. Retail Value On Used Boat and Used Camper/RV |
|
MOTERCYCLES,
ATVs and PERSONAL WATERCRAFT
|
New Motorcycles, ATV's and Personal Watercrafts |
| Type
of Loan |
Loan
Length
(The
term provided is used only to determine payments.) |
APR |
| New
|
Up
to 84 Months* |
8.25%
- 14.50%* |
| *Financing
up to 100% of MSRP |
|
Used Motorcycles, ATV's and Personal Watercrafts |
| Type
of Loan |
Loan
Length |
APR |
| Used
|
Up
to 60Months |
8.50%
- 14.50%* |
| *Financing
up to 100% of Clymer Retail Value |
|
PERSONAL
LOANS
| Type
of Loan |
Loan
Length |
APR |
| Personal |
Up
to 36 months* |
14.75
- 18.00% |
| Line
of Credit |
Up
to 36 months* |
12.25%* |
| Share
Secured*** |
Up
to 60 months* |
Share
APY plus 2%*
(As
of May 15,2006 the APR for a share
secured loan is 3.50% APR.) |
| Certificate
Secured*** |
Up
to maturity of certificate |
Certificate
APY plus 2%*
(As
of May 15,2006 the APR for a certificate
secured ranges from 6.50%APR to 7.00% APR.) |
|
***Click here
to calculate terms of repayment |
|
HOME
EQUITY and HOME EQUITY LINES of CREDIT LOANS
| Type
of Loan |
Loan
Length |
APR |
| First
Mortgage Closed End*** |
Up
to 15 Years* |
6.02%
- 7.52%* |
| Second
Mortgage Closed End*** |
Up
to 10 Years* |
8.25%
- 9.25%* |
| First
Mortgage HELOC |
Up
to 15 Years* |
WSJ**
Prime minus 1%, 6.00% Minimum*
(As
of June 15, 2006, the APR for a first mortgage
HELOC is 7.00% APR. The interest rate is subject to
change but will not exceed 18.0% APR.)
|
| Second
Mortgage HELOC |
Up
to 15 Years* |
WSJ**
Prime, 6.00% Minimum*
(As
of June 15, 2006, the APR for a second mortgage
HELOC is 8.00% APR.
The interest rate is subject to
change but will not exceed 18.0% APR.) |
**
Wall Street Journal
***Click here
to calculate terms of repayment
Contact Credit Union for additional requirements and information. |
|
|
|
The Annual Percentage
Rate (APR) for share secured advances is subject to change on the
1st day of each calendar quarter at 2% above the current declared
share dividend rate. If there is an existing balance
on the date of the new advance, the existing balance will be added
to the new advance and the entire balance will be at the new APR.
Any increase in the APR will take the form of more payments of the
same amount until what you owe has been repaid.
Home Equity
Lines of Credit are variable rate loans and the APR is subject to
change on the 1st day of August of each year, regardless of the
date of origination. Any increase in the APR will result in an increase
in the amount of payments.
|
|
