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Loan Rates
Revised October 1, 2010
Rates subject to change without notice. Refinanced loans will be at prevailing rate.
| Unsecured Personal Loans — 10% deposit
required |
| Up to $1,200 |
12 months |
12% per annum |
| Up to $3,000 |
36 months |
14% per annum |
| Up to $5,000 |
48 months |
14% per annum |
| Up to $10,000 |
60 months |
15% per annum |
| Up to $25,000 |
60 months |
16% per annum |
| 14% for XLC (Express Line of Credit) |
| 14% for Overdraft Protection |
|
Share Pledge Loans and Certificate Secure Loans — 3% above
earnings
| New/Used Vehicle Rates and Terms |
Secured Deposits |
| 6.50% per annum |
25% down |
48 months |
$250 |
| 6.75% per annum |
25% down |
60 months |
$500 |
| 7.25% per annum |
15% down |
36 months |
$500 |
| 7.50% per annum |
15% down |
48 months |
$500 |
| 7.75% per annum |
15% down |
60 months |
$500 |
| 8.00% per annum |
0% down |
36 months |
$500 |
| 8.25% per annum |
0% down |
48 months |
$500 |
| 8.50% per annum |
0% down |
60 months |
$500 |
*Car Sales: Special rates and terms may be available for Special Car/Loan
promotions.
Rebates and dealer incentives are not used to determine the amount paid down. The down
payment represents cash down payment or credit for trade. |
Refinance Own Car
(New car from another financial institution must not be over 1 year old.) Mileage can
be a factor. |
| Faxed payoff good for 15 days. |
Secured Deposits |
| 7.00% per annum - up to one year old |
up to 60 months |
$500 |
| 8.00% per annum - 1 year and older |
up to 48 months |
$500 |
New RVs — Maximum finance: $150,000
Various rates and terms available. Please see Loan Officer. |
Used RVs — Maximum finance:
$75,000
Various rates and terms available. Please see Loan Officer. |
Boats — New |
Secured Deposits
|
| 14.00% per annum |
25% down |
8 years |
$500 |
Motorcycles — New |
|
| 8.50% per annum |
10% down |
up to 60 months |
$500 |
| 7.50% per annum |
15% down |
up to 60 months |
$500 |
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Note:
- All Used collateral is subject to on-site inspection at the option of the
credit union. The rate will be 18% for any vehicle not listed the Red Book.
- All Refinance loans will be at the prevailing rate.
- Used vehicles with high mileage over 50,000 or over three (3) years old may
be a higher rate and $500 required deposit. (i.e., 1 point each 5000 miles over 50 and 1 point
each year over 3 years old.)
Contact the Loan Department for quotes on real property loans and first/second
mortgages. “This institution is not federally insured, and if the
institution fails, the Federal Government does not guarantee that depositors will get their money
back.”
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