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Loan Rates &
Terms
Effective Nov 16, 2009
» return home
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New
Autos
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Suggested Retail (plus Taxes, Title & License)
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AMOUNT
FINANCED
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MAX TERM
(in months)
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ANNUAL PERCENTAGE
RATE
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110%
of Purchase
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60
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6.49 – 8.99%*+
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100%
of Purchase
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60
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6.25 – 10.74%*+
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90%
of Purchase
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60
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5.99 – 9.99%*+
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80%
of Purchase
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60
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5.74 – 9.49%*+
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70%
of Purchase
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60
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5.65 – 9.25%*+
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90%
of Purchase
Min Loan Amt $20,000
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72
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6.49 -8.74%*+
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Used
Autos
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100% Wholesale Blue Book (plus Taxes, Title & License)
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MODEL
YEAR
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MAX TERM
(in months)
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ANNUAL
PERCENTAGE RATE
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2006-2008
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60
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6.25 – 11.75%*+
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2004-2005
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60
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7.49 - 12.49%*+
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2002-2003
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60
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10.24 - 13.25%*+
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110% Wholesale (plus Taxes, Title & License)
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2005-2008
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60
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6.49 – 11.50%*+
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100% retail Blue Book (plus Taxes, Title & License)
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2005-2008
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60
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7.99 – 12.99%*+
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110-125% WBB (Refinances only; WBB only, unless
"Classic Car". on a case-by-case basis)
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2005-2008
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60
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8.49 - 12.99%*+
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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
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60
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9.25%*+
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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
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60
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10.50%*+
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Other
Loans
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LOAN
TYPE
|
AMOUNT
FINANCED
|
MAX
TERM
(in months)
|
ANNUAL
PERCENTAGE RATE
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New
Boat/RV
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80%
Purchase Price
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144
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7..74-9.49%*+
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Used
Boat/RV
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80-100%
Wholesale Blue Book; Boats subject to marine survey
-under 5 yrs
old only
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144
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8.74-10.49%*+
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Home
Loans
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80%
LTV w/ Appraisal
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180
360
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Call for rates
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Home
Equity
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80%
LTV w/ Appraisal
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120
180
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Call for
rates
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HELOC
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80%
LTV w/ Appraisal (Min. initial advance $5,000.00. Min. advance $500.
Advances first 10 years only.)
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25 years
Variable
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N/A
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Pers.
Computer
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$3,000
maximum
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24
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9.99
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Share
Cert.
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100%
unimpaired shares (must be on automatic renewal)
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120
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8.00
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Share
Secured
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100%
unimpaired shares
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120
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Div +
3.00
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Stock
Secured
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75%
Market Value
-UPRR only
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36
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12.00
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Signature
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$10,000
max
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12-18
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9.50%-14.50%^^
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24-30
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10.50%-15.00%^^
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36-48
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11.50%-15.00%^^
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Line of Credit
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$10,000 max
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N/A
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8.99- 11.99^^
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Overdraft
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$2,500
max
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***
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14.50
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Bill Consolidation
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$10,000 max
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36
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13.99^^
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+ 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
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=
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
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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
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