Loan Rates & Terms
Effective July 7, 2006
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| New
Autos |
| Suggested
Retail (plus
Taxes, Title & License) |
AMOUNT
FINANCED |
MAX
TERM
(in months) |
ANNUAL
PERCENTAGE RATE |
| 110% of
Purchase |
60 |
5.99 -
8.24%*+ |
| 100% of
Purchase |
60 |
5.74 -
9.49%*+ |
| 90% of
Purchase |
60 |
5.49 -
8.99%*+ |
| 80% of
Purchase |
60 |
3.89 -
7.24%*+ |
| 70% of
Purchase |
60 |
3.79 -
6.99%*+ |
90%
of Purchase
Min Loan Amt $20,000 |
72 |
4.29 -
6.69%*+ |
| Used
Autos |
| 100%
Wholesale Blue Book (plus
Taxes, Title & License) |
| MODEL
YEAR |
MAX
TERM
(in months) |
ANNUAL
PERCENTAGE RATE |
|
2002-2005 |
60 |
5.99 -
10.99%*+ |
|
2000-2001 |
60 |
7.49 -
11.49%*+ |
| 1998-1999 |
60 |
10.50 -
13.50%*+ |
| 110%
Wholesale
(plus
Taxes, Title & License) |
|
2002-2005 |
60 |
6.49 - 8.99%*+ |
| 100% retail Blue Book
(plus
Taxes, Title & License) |
|
2002-2005 |
60 |
7.99 -
10.99%*+ |
| 110-125%
WBB (Refinances only; WBB only, unless "Classic Car". on
a case-by-case basis) |
|
2002-2005 |
60 |
8.49 -
10.99%*+ |
| Motorcycle Loans |
100% Suggested Retail (New)
(10% down payment required on new motorcycles) |
| AMOUNT FINANCED
(Minimum) |
MAX
TERM
(in months) |
ANNUAL
PERCENTAGE RATE |
| $10,000 |
60 |
8.99%*+ |
| 100% Wholesale Blue Book (Used) |
| AMOUNT FINANCED
(Minimum) |
MAX
TERM
(in months) |
ANNUAL
PERCENTAGE RATE |
| $10,000 |
60 |
10.50%*+ |
| Other
Loans |
| LOAN TYPE |
AMOUNT
FINANCED |
MAX
TERM
(in months) |
ANNUAL
PERCENTAGE RATE |
| New
Boat/RV |
80%
Purchase Price |
144 |
7.99-11.00%*+ |
| Used
Boat/RV |
80-100%
Wholesale Blue Book; Boats subject to marine survey
-under 5 yrs old only |
144 |
8.99-11.99%*+ |
| Home
Loans |
80%
LTV w/ Appraisal |
180
360 |
5.75
6.00 |
| Home
Equity |
80%
LTV w/ Appraisal |
120
180 |
6.75
6.99 |
|
HELOC |
80%
LTV w/ Appraisal (Min. initial advance $5,000.00. Min.
advance $500. Advances first 10 years only.) |
25 years
Variable |
7.255 (Intro) |
| Pers.
Computer |
$3,000
maximum |
24 |
9.99 |
| Share
Cert. |
100%
unimpaired shares (must be on automatic renewal) |
120 |
8.00 |
| Share
Secured |
100%
unimpaired shares |
120 |
Div
+
3.00 |
| Stock
Secured |
75%
Market Value
-UPRR only |
36 |
12.00 |
| Signature |
$10,000 max |
12-18 |
10.50%-15.00%^^ |
|
24-30 |
11.50%-16.00%^^ |
|
36-48 |
12.50%-17.00%^^ |
|
60 |
13.50%-18.00%^^ |
| Line
of Credit |
$10,000 max |
N/A |
9.99^^ |
| Overdraft |
$2,500
max |
*** |
14.50 |
| Bill
Consolidation |
$10,000
max |
60 |
14.25^^ |
+
Discount of .25% if repayment is payroll deduction/ACH debit
* Discount of .25% if member has active
checking with direct deposit
^^
Signature Loan Discount 1%: Active Checking with direct
deposit or payroll deduction/ACH Debit
*** Maximum aggregate for member: $10,000. Minimum loan: $300.00
Line of
credit payments
|
= 3.00% of balance up to
$5,000; |
| = 2.50% of balance up to
$10,000. |
| Minimum payment $25.00 |
All above terms and APRs are based on
credit profile.
All rates are subject to change without
notice.
Call your credit union for current information: (562) 693-6495 |
