Loan Rates |
As of October 20, 2009, the following loan interest rates will be in effect in the Credit Union. Origination Fee on ALL Real Estate Portfolio Loans is 1.00%. |
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| NEW AUTO: | (100% Purchase Price, plus tax, tag & title) | Rate | Max. Term |
| Over $30,000 | ----------------------------------------------------------- | 7.25% - 18.00% | 84 mths-7 yrs |
| Over $25,000 | ----------------------------------------------------------- | 6.90% - 18.00% | 72 mths-6 yrs |
| | | | | | 5.90% - 18.00% | 60 mths-5 yrs |
| | | | | | 5.40% - 18.00% | 48 mths-4 yrs |
| | | | | | 4.90% - 18.00% | 36 mths-3 yrs |
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| USED AUTO: | (100% Financing up to NADA Retail) | Rate | Max. Term |
| | Year | | | | | |
| Over $5,000 | 2010-2011 | ------------------------------------ | 5.90% - 18.00% | 60 mths |
| | 2009-2008 | ------------------------------------ | 5.90% - 18.00% | 54 mths |
| | 2007-2006 | ------------------------------------ | 5.90% - 18.00% | 48 mths |
| | 2005-2004 | ------------------------------------ | 5.90% - 18.00% | 42 mths |
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| | Under $5,000 | | | | 7.25% - 18.00% | Depends yr. |
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| CLASSIC/COLLECTABLE: | (100% Financing up to Average Retail) | 8.75% - 18.00% | Depends yr. |
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| NEW BOATS: | (90% Purchase Price, plus tax, tag & title) | Rate | Max. Term |
| | Over $25,000 | -------------------------------------- | 8.00% -18.00% | 72 mths |
| | $20,000-$24,999 | -------------------------------------- | 7.50% - 18.00% | 66 mths |
| | Under $20,000 | -------------------------------------- | 7.00% - 18.00% | 60 mths |
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| USED BOATS: | (100% Financing up to NADA Retail) | 7.00% - 18.00% | 60 mths |
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| POWERSPORTS: | NEW | | | | Rate | Max. Term |
| Includes: | (90% Purchase Price, plus tax, tag & title) | | |
| Motorcycle | Over $25,000 | -------------------------------------- | 7.25% - 18.00% | 84 mths |
| ATV | $20,000-$24,999 | ------------------------------------ | 7.00% - 18.00% | 72 mths |
| Personal Watercraft | Under $20,000 | -------------------------------------- | 6.75% - 18.00% | 60 mths |
| Tractors | | | | | | |
| | USED | | | | | |
| | (100% Financing up to NADA appraisal guide) | | |
| | Over $20,000 | -------------------------------------- | 7.25% - 18.00% | 72 mths |
| | Under $20,000 | -------------------------------------- | 7.00% - 18.00% | 60 mths |
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| NEW MOTOR HOMES: | (90% of Purchase Price, plus tax, tag & title) | Rate | Max. Term |
| Over $25,000 | -------------------------------------- | 7.90% - 18.00% | 120 mths |
| | $20,000-$24,999 | -------------------------------------- | 7.40% - 18.00% | 108 mths |
| | Under $20,000 | -------------------------------------- | 6.90% - 18.00% | 96 mths |
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| | | | | | Rate | Max. Term |
| USED MOTOR HOMES: | (100% Financing up to NADA Retail) | 8.90% - 18.00% | 96 mths |
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| NEW TRAVEL TRLRS: | (90% of Pruchase Price, plus tax, tag & title) | | |
| | Over $25,000 | ---------------------------------- | 7.50% - 18.00% | 84 mths |
| | $20,000-$24,999 | ---------------------------------- | 7.00% - 18.00% | 72 mths |
| | Under $20,000 | ---------------------------------- | 6.50% - 18.00% | 60 mths |
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| USED TRAVEL TRLRS | (100% Financing up to NADA Retail) | 8.50 %- 18.00% | 60 mths |
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| MOBILE HOMES | NEW | | | | | |
| | (80% of Purchase Price, plus tax, tag & title) | 11.00% - 18.00% | 84 mths |
| | USED | | | | | |
| | (100% Financing up to NADA Retail) | 11.50% - 18.00% | 60 mths |
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| HOME IMPROVEMENTS | ----------------------(UCC Filed)-------------------- | 9.00% - 18.00% | 60 mths |
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| SHARED SECURED | ---------------------(Regular)------------------------ | 4.75% | 60 mths |
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| TERM SHARE SECURED | ------------------------------ | (4.0% Floor) | --------- | 2.00% over CD Rate | Maturity |
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| SPECIAL PURPOSE | (100% Purchase price, plus tax) | 9.90% - 18.00% | 48 mths |
| (Furniture, computers, appliances, ect.-UCC Filed/Member pays…-anything not titled) | | | | | | |
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| PERSONAL | --------------------------------------------------------- | 11.00% - 18.00% | 96 mths |
| VISA CLASSIC | --------------------------------------------------------- | 10.90% - 18.00% | No Fee |
| VISA PLATINUM | --------------------------------------------------------- | 8.90% - 18.00% | No Fee |
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| | | | MORTGAGE LOANS | | |
| | | | April 1, 2010 | | |
| | 1st Mortgage Fixed Rate | Rate | Term |
| 1st Mortgage | (Primary Residence-Fixed Rate-Owner Occupied) | 5.00% - 18.00% | 15 yr |
| 1st Mortgage | (Non-Owner Occupied-Residence-Fixed Rate) | 5.75% - 18.00% | 15 yr |
| 1st Mortgage | (Land-Fixed Rate)----------------------------------- | 6.50% - 18.00% | 10 yr |
| | (1st Mortgages-$225 Application Fee) | | |
| | 1st Mortgage Fixed Rate with Balloon | | |
| Residential | --------------------- | 36 Month Balloon | 5.25% - 18.00% | 20 yr Amort |
| Residential | --------------------- | 60 Month Balloon | 6.00% - 18.00% | 20 yr Amort |
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| Property/Land | --------------------- | 36 Month Balloon | 5.25% - 18.00% | 10 yr Amort |
| Property/Land | --------------------- | 60 Month Balloon | 6.00% - 18.00% | 10 yr Amort |
| | (1st Mortgages-$225 Application Fee) | | |
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| | | Home Equity-Closed End | | |
| Home Equity | --------------------- | Fixed Rate-NO Closing Costs | 6.25% - 18.00% | 60 mths max |
| Home Equity | --------------------- | Fixed Rate-NO Closing Costs | 6.75% - 18.00% | 61-120 mths |
| | (FHE Mortgage-$225 Application Fee) | | |
