Rates
| Loan Type (Effective 03.01.10) | APR* |
|---|---|
|
1 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. 2 For qualified borrowers only. 3 100% financing when age of vehicle is 5-7 years older than current model year These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of February 15, 2010 the prime rate was 3.25%. |
|
| Share Secured | 0.50% |
| Personal & Overdraft Line of Credit | 8.15% – 12.15%1 |
| Gold Star Line of Credit2 | 7.75% |
| Used Passenger and Recreational Vehicles3 | 5.75% – 9.75%1 |
Visa Equity Platinum
Home Equity Line of Credit
| Term (Effective 03.01.10) | Up to 80% of Available Equity | APR* |
|---|---|---|
|
These APR’s* are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of February 15, 2010 the prime rate was 3.25%. |
||
| Up to 180 Months | Up to $400,000 | 3.20% |
Equity Advantage Fixed Rate
| Term (effecitve 03.01.10) | Loan Amount | APR* |
|---|---|---|
| 5 Years | $10,000 – $25,000 | 7.00% |
| 15 Years | $25,000 -$400,000 | 7.25% |
| 20 Years | $25,000 – $400,000 | 7.50% |
| 30/15 | $25,000 -$400,000 | 7.70% |
| Loan Type | APR*1 | Terms |
|---|---|---|
|
1 APR = Annual Percentage Rate 2 Up to 4 model years old. 3 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. 4 A discount of one percent 1.00% is given with a down payment of $1,500. An additional 0.25% discount is given with direct deposit. 5 Maximum of $15,000 6 Certain Restrictions Apply 7 $5,000 to $25,000 8 With completion of Online seminar 9 Loan amount minimum $500, maximum $5,000 for loans less than $1,100 minimum payment of $25.00 per month. For loans greater than $1,100, payments calculated over a max of 48 months. Funds may only be used for the purchase of a VSA. Qualified members only. 10 Personal Tax Time loan is available from 2/1/10 through 4/15/10. Qualified members only. Loan amount is a minimum of $5000 to a maximum of $25,000 with a term of up to 60 months for 8.90% APR. |
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| Share Certificate Secured | Certificate rate + 3.00% | Term of Certificate |
| New/Used Passenger Vehicles2 | 3.74% – 11.00%3 | 1 – 36 Months |
| New/Used Passenger Vehicles2 | 5.24% – 11.25%3 | 37 – 60 Months |
| New/Used Passenger Vehicles2 | 5.24% – 11.75%3 | 61 – 72 Months |
| New/Used Passenger Vehicles2 | 6.50% – 13.75%3 | 73 – 84 Months |
| New/Used Recreational Vehicles2 | 7.50% – 11.50%3 | 1 – 120 Months |
| First Time Auto Buyer | 14.25%4 | 60 Months5 |
| Personal Prime Loan6 | 6.99% | 60 Months7 |
| Vehicle Service Agreement Loan ($500 – $5,000) | 6.00% 9 | up to 48 months |
| Tax Time Loan | 8.90%10 | up to 60 months |
| Loan Type | Amount | APR* | Monthly Payment |
|---|---|---|---|
|
These examples are for comparison purposes only and do not reflect an offer of credit. All terms and conditions are subject to change without notice. Some restrictions do apply. |
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| New or Used Passenger Vehicles (60 mos.) Discounted Rate | $20,000 | 5.24% | $379.63 |
| New or Used Passenger Vehicles (60 mos.) Highest Rate | $20,000 | 11.25% | $437.35 |
| New or Used Passenger Vehicles (72 mos.) Discounted Rate | $20,000 | 5.24% | $324.33 |
| New or Used Passenger Vehicles (72 mos.) Highest Rate | $20,000 | 11.75% | $388.41 |
| New or Used Passenger Vehicles (over $25,000-84 mos.) Discounted Rate | $30,000 | 6.50% | $445.48 |
| New or Used Passenger Vehicles (over $25,000-84 mos.) Highest Rate | $30,000 | 13.75% | $558.07 |
| New or Used RV (60 mos.) Discounted Rate w/10% down payment | $20,000 | 7.50% | $400.76 |
| New or Used RV (60 mos.) Highest Rate w/10% down payment | $20,000 | 11.50% | $439.85 |
| New or Used RV (over $20,000-120 mos.) Highest Rate w/10% down payment | $30,000 | 11.50% | $421.79 |
| New or Used RV (over $25,000-72 mos.) Highest Rate w/10% down payment | $30,000 | 11.50% | $578.73 |
| Vehicle Service Agreement (48 mos.) Highest Rate | $5,000 | 6.00% | $117.44 |
