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Loan Rates & Terms
Effective September 1,2011
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Apply online, its EZ with our Online Application, calculate your payments with and without MBI/GAP and Credit Insurance by clicking link below!
We have lower rates for loans for 36 / 48 terms! Our rates are based on downpayments, so if you have a downpayment and you reduce the term our lowest rate for New Auto could be 3.64% for 36 months; if repaid thru automatic payments, other discounts are available to further reduce the rate!!
We offer relationship discounts in addition to this rates if you have a checking with direct deposit or if you have our credit card. Rate can range from
100% - 60 months 4.04% - 8.30%. for loans $25,000.00 or more with all possible relationship discounts; payments will remain the same over the life of term.
First payment not due for 75 days!
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New Autos |
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Suggested Retail (plus Taxes, Title & License) |
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AMOUNT
FINANCED |
MAX TERM
(in months) |
ANNUAL PERCENTAGE RATE |
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110% of Purchase |
60 |
4.90% – 9.15%*+ |
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100% of Purchase |
60 |
4.40% – 9.65%*+ |
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90% of Purchase |
60 |
4.30% – 8.65%*+ |
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80% of Purchase |
60 |
4.20% – 8.45%*+ |
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70% of Purchase |
60 |
4.10% – 8.35%*+ |
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90% of Purchase
Min Loan Amt $20,000 |
72 |
4.80% - 9.22%*+ |
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Used Autos |
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100% Wholesale Blue Book |
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MiILES ON VEHICLE |
MAX TERM
(in months) |
ANNUAL PERCENTAGE RATE |
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25,000 |
60 |
5.65% – 8.75%*+ |
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50,000 |
60 |
5.80% - 8.95%*+ |
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75,000 |
60 |
6.00% - 8.95%*+ |
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110% Wholesale |
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50,000 Miles |
60 |
6.30% – 9.45%*+ |
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100% retail Blue Book (plus Taxes, Title & License) |
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50,000 Miles |
60 |
6.80% – 9.95%*+ |
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110-125% WBB (Refinances only; WBB only, unless "Classic Car". on a case-by-case basis) |
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50,000 Miles |
60 |
6.40% - 9.55%*+ |
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Motorcycle Loans |
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100% Suggested Retail (New)
(10% down payment required on new motorcycles) |
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AMOUNT FINANCED (Minimum) |
MAX TERM
(in months) |
ANNUAL PERCENTAGE RATE |
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$10,000 |
60 |
6.50%*+ |
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100% Wholesale Blue Book (Used) |
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AMOUNT FINANCED (Minimum) |
MAX TERM
(in months) |
ANNUAL PERCENTAGE RATE |
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$10,000 |
60 |
7.50%*+ |
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Other Loans |
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LOAN TYPE |
AMOUNT
FINANCED |
MAX
TERM
(in months) |
ANNUAL PERCENTAGE RATE |
|
New Boat/RV |
80% Purchase Price |
84 |
8.74%-10.49*+ |
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Used Boat/RV |
80-100% Wholesale Blue Book; Boats subject to marine survey
-under 5 yrs old only |
84 |
9.74%-10.74*+ |
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Home Loans |
80% LTV w/ Appraisal |
180
360 |
Call for rates |
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Home Equity |
80% LTV w/ Appraisal |
120
180 |
Call for
rates |
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HELOC-Frozen |
80% LTV w/ Appraisal (Min. initial advance $5,000.00. Min. advance $500. Advances first 10 years only.) |
25 years
Variable |
N/A |
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Pers. Computer |
$3,000 maximum |
24 |
8.99% |
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Share Cert. |
100% unimpaired shares (must be on automatic renewal) |
120 |
8.00 |
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Share Secured |
100% unimpaired shares |
120 |
Div +
3.00 |
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Stock Secured |
75% Market Value
-UPRR only |
36 |
12.00 |
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Signature |
$2,500 - $10,000
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12 - 18 |
7.00% to 14.50%^^ |
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24-30 |
9.00%-
15.00%^^ |
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36-48 |
12.50%-15.50%^^ |
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Line of Credit |
$10,000 max |
N/A |
8.99%- 11.99%^^ |
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Overdraft |
$2,500 max |
*** |
14.50 |
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Bill Consolidation |
$10,000 max |
36 |
11.50%-14.50%^^ |
+ 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
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Line of credit payments |
= 3.00% of balance up to $5,000; |
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= 2.50% of balance up to $10,000. |
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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 (562) 430-5552 or (909) 685-2332
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