Rates as of 01/28/2010
|
Loan Type
|
Approximate
Repayment
Terms
|
Annual
Percentage
Rate as low as*
|
Conditions
|
| Ask about Loan Specials !! |
|
|
|
4.0% APR
Flying Pigs Loan Special!
Personal Loan |
up to 18 mos.
|
4.00%
|
Up to $5000 No Pledge of Savings - New Loans Only!
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
Under 10,000 miles
Previously untitle |
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
Under 10,000 miles
Previously untitled |
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
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
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.
|
7.00%
7.50%
|
—
— |
| 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. |
| Co-maker |
up to 84 mos.
|
9.90%
|
— |
| 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 24 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.
Rates are subject to change without prior notice and may be different than those stated above.
Actual rates on vehicle loans may vary based on acceptance of credit disability and/or credit life insurance.
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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