|
|
RATES
AS OF February 2, 2010
| Unsecured
Loans - No collateral required, maximum
of $10,000 for qualified borrowers |
| 1
YEAR |
9.00% |
| 2
YEAR |
9.50% |
| 3
YEAR |
10.00% |
| 4
YEAR |
10.50% |
| 5
YEAR |
11.00% |
|
| Open End
Unsecured Personal Loan - Apply only once
to establish a line of credit as long as you
qualify. You can make minimal cash advances
on your loan in $250 increments up to your
established line of credit. Maximum of $10,000
can be borrowed |
|
| First
Mortgage Loans - Loans available for buying
a new home. Also, for paying off current first
mortgage or for a loan where your Credit Union
would be first named on your property. |
| 6.00%
Fixed For 15 Years |
| 5.75%
Variable For 30 Years |
|
| Share
Pledge Loans - The loan is secured by
a regular saving account or by certificate. |
| WITH
CERTIFICATE |
3.00%
ABOVE THE CERTIFICATE RATE |
| WITH
SHARES |
4.00%
ABOVE PREVIOUS QUARTER DIVIDEND RATE |
|
| Home Equity
Loans - Loan for home improvements and
repairs or for refinancing for a lower interest
rate or for a lower payment. |
| 1-5
Year |
6.00% |
| 5-10
Year |
6.50% |
| 10-15
Year |
7.00% |
| Home
Equity Line of Credit WITHOUT
AUTOMATIC PAYMENT |
4.50% |
| Home
Equity Line of Credit WITH AUTOMATIC PAYMENT |
4.25% |
70%
of appraised value 1/4% added to interest rate for each
5% above appraised value
|
| Collateralized
Loans - Loans for cars, motorcycles, all
terrain vehicles, mobile homes, etc. *Any
titled property that your Credit Union can
hold a lien against. |
| NEW |
7.00% |
| USED (for a 4-year term) |
8.00% (add 0.50% for longer term) |
|
| January 1, 2010 through March 31, 2010 - 80% Financed |
| 1
- 3 YEARS |
4.00% |
| 4
YEARS |
4.00% |
| 5
YEARS |
4.50% |
| 6
YEARS |
4.50% |
|
|
Add 1/2% (0.50%) if financing more than 80%
***Business loans will be processed at 2% ABOVE these rates
rate increase permitted 1x/term
|
9.99% INTEREST - Purchases
9.99% INTEREST - Balance Transfer |
| NO
ANNUAL FEE |
| 25-DAY
GRACE PERIOD |
PAY
OFF HIGHER INTEREST RATE CARDS
Cash Back on Many Purchases |
|
** Rates
subject to change without notice.
|
|
