Rates as of 07/01/2010
|
Loan Type
|
Approximate
Repayment
Terms
|
Annual
Percentage
Rate as low as*
|
Conditions
|
| Ask about Loan Specials !! |
|
|
|
9.9% APR
Holiday Special!
|
up to 12 mos.
|
9.90%
|
Limited Time Only!! |
4.50% APR
New Auto-Truck-Van- Motorcycle-Boat-Motor Home-Travel Trailer-Camper Loan Special!!!
|
up to 60 mos.
|
4.50%**
|
Current and prior year
Limited Time Only!!
|
New Vehicle - Currrent and prior year
Auto-Van-Truck-Motorcycle
20% or more down payment
|
up to 60 mos.
61 to 72 mos.
73 to 84 mos
|
5.75%**
6.25%**
6.75%**
|
—
—
$30,000 minimum amount financed over 72 months. |
New Vehicle - Current and prior year
Auto-Van-Truck-Motorcycle
100% of Retail Value
|
up to 60 mos.
61 to 72 mos.
73 to 84 mos.
|
6.00%**
6.50%**
7.00%**
|
—
—
$30,000 minimum amount financed over 72 months |
Used Vehicles
Auto-Van-Truck-Motorcycle |
up to 60 mos.
61 to 72 mos.
|
6.50%**
7.00%**
|
—
Available on current and two prior year.
$15,000 minimum amount financed over 60 months. |
New Recreational Vehicles
Current and prior year
Previously untitled
Boat-Motor Home-Camper
20% or more down payment |
up to 60 mos.
61 to 72 mos.
73 to 84 mos.
85 to 96 mos.
|
6.25%**
6.75%**
7.25%**
7.75%**
|
—
—
$30,000 minimum amount financed over 72 months.
$50,000 minimum amount financed over 84 months. |
|
New Recreational Vehicles
Current and prior year
Previously untitled
Boat-Motor Home-Camper
100% of Retail Value
|
up to 60 mos.
61 to 72 mos.
73 to 84 mos.
85 to 96 mos.
|
6.50%**
7.00%**
7.50%**
8.00%**
|
—
—
$30,000 minimum amount financed over 72 months.
$50,000 minimum amount financed over 84 months. |
|
Used Recreational Vehicles
Boat-Motor Home-Camper
|
up to 60 mos.
61 to 72 mos.
|
7.25%**
7.75%**
|
—
— |
| Personal Loans |
up to 84 mos.
|
11.00%
|
10% share secured. |
| Line of Credit |
—
|
9.90%
|
— |
| Shares Secured – 100% |
up to 36 mos.
37 to 60 mos.
61 to 120 mos.
|
6.00%
6.50%
7.25%
|
Maintain a balance in your share savings account that is equal to the balance of your loan. As you pay down the loan, fewer shares are required to be secured. |
| Holiday / Vacation Special |
up to 12 mos.
|
9.90%
|
Limited time only. |
| |
|
|
|
| Tuition |
12 mos.
|
7.50%
|
Limit $15,000 – Check must be made payable to the school. Members can borrow an additional $500.00 per student, for books, uniforms and incidentals. The check for this additional amount will be payable to borrower. |
| Credit Re-builder (Elevator) |
up to 12 mos.
|
18.00%
|
Proceeds of loan are deposited to share savings and maintained in the account until loan balance is paid in full (100% secured). |
|
*Rates above reflect lowest rates available and may be as high as 18% APR based on information obtained from your credit application and credit report.
**Actual rates on Vehicle and Recreational Vehicles may vary based on member qualifying for Loyalty Discount (.25% discount with the enrollment in all four (4) of the following La Terre FCU services: Share Draft/Checking, Debit Card, Online Banking, and Online Bill Pay).
Rates are subject to change without prior notice and may be different than those stated above.
The approximate term is provided to disclose the term we use to calculate payments for the credit union’s open-end products.
The Annual Percentage Rate (APR) is fixed for all loans.
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