Loan Rates (Loan Rates Effective October 19, 2009)
New Auto 2010-2009
BEST Rate
0 - 60 months
3.99%
61 - 72 months ($18k min)
5.99%
73-84 months ($22k min)
7.99%
Used Auto 2008-2006
0 - 60 months*
5.99%
61 - 72 months ($22k min)
6.99%
Used Auto 2005-2002
0 - 60 months*
7.99%
61 - 72 months ($18k min)
8.99%
Older Used Auto (100% sales price)
0 - 36 months*
11.90%
Unsecured Loan*
$100-4000 (Up to $1000.00
12 months max)
13.90%
$4001+ (Max term 48 months
for the larger dollar amounts))
12.90%
Share Secured Loan
2% over share
or certificate rate with a 6% floor
Open End Line of Credit
$500-8000
12.90%
Trk Camper, Tent Trailer, Motorcycle, Tractor
1 - 60 months
7.99%
61 - 72 months* ($20k min)
8.99%
Motor Home, Travel Trailers, Boats
0 - 72 months*
7.99%
73 - 144 months* ($25k min)
8.99%
Mobile Homes (75% of list)
0 - 72 months
15.00%
73 - 144 months ($25k min) (18% Max Rate)
17.00%
2nd Mtg ($10k min) 80% LTV
0 - 120 months
7.75%
121 - 180 months
7.99%
Home Equity
APR
(prime+0 w/ 6% floor) ($10k min)
6.00%
Shared Secured loans are paid at a rate of 2% above the Share Product used. For example, if you are using a 48 month certificate that has an interest rate of 6.25% to secure your loan, then your interest rate will be 8.25%. Floor rate 6%.
*Max. LTV= maximum loan to sales value of vehicle as determined by the credit union.
