 |
 |
 |
Rates Effective As of February 1, 2012 |
| AUTO |
Term |
APR* As Low
As
Up To 100% Financing |
APR*
As Low As
90% Financing |
Rate
Type |
| New |
84 Months |
4.24% |
3.94% |
Fixed |
 |
| 2008 & Newer |
48 Months |
2.85% |
2.75% |
Fixed |
60 Months |
2.95% |
2.85% |
Fixed |
72 Months |
2.99% |
2.89% |
Fixed |
|
| Used 2005 -2007 |
48 Months |
2.85% |
2.75% |
Fixed |
60 Months |
2.95% |
2.85% |
Fixed |
|
| Used 2003 - 2004 |
36 Months |
3.25% |
3.15% |
Fixed |
48 Months |
3.35% |
3.25% |
Fixed |
60 Months |
3.45% |
3.35% |
Fixed |
|
| Used 2001 -2002 |
36 Months |
3.25% |
3.15% |
Fixed |
48 Months |
3.35% |
3.25% |
Fixed |
|
| Used 2000 & Older |
36 Months |
7.49% |
7.49% |
Fixed |
48 Months |
8.49% |
8.49% |
Fixed |
* Interest Rates listed are the best rates and require auto payment, active checking account, and certain membership requirements. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate.
|
|
 |
| LARGE RECREATIONAL VEHICLES** |
Term |
APR*
As Low As
Up To 100% Financing |
APR*
As Low As
90% Financing |
Rate
Type |
| New |
144 Months |
5.74% |
5.49% |
Fixed |
| 180 Months |
6.05% |
5.80% |
Fixed |
|
| 2009 & Newer |
60 Months |
3.99% |
3.99% |
Fixed |
| 72 Months |
4.85% |
4.60% |
Fixed |
| 84 Months |
4.95% |
4.70% |
Fixed |
| 120 Months |
5.25% |
5.00% |
Fixed |
| 144 Months |
5.74% |
5.49% |
Fixed |
|
| 2008 |
60 Months |
3.99% |
3.99% |
Fixed |
| 72 Months |
5.40% |
5.15% |
Fixed |
| 84 Months |
5.50% |
5.25% |
Fixed |
|
| 2006 - 2007 |
60 Months |
3.99% |
3.99% |
Fixed |
| 72 Months |
5.40% |
5.15% |
Fixed |
|
| 2004 - 2205 |
36 Months |
3.99% |
3.99% |
Fixed |
| 48 Months |
3.99% |
3.99% |
Fixed |
| 60 Months |
3.99% |
3.99% |
Fixed |
|
| 2003 & Older |
24 Months |
6.49% |
6.49% |
Fixed |
| 36 Months |
7.49% |
7.49% |
Fixed |
| 48 Months |
8.49% |
8.49% |
Fixed |
* Interest Rates listed are the best rates and require auto payment, active checking account, and certain membership requirements. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate. ** Large Recreation Vehicles include fifth wheels, camp trailers, motorhomes, and larger boats.
|
|
|
| PERSONAL RECREATIONAL VEHICLES** |
Term |
APR*
As Low As
Up To 100% Financing |
APR*
As Low As
90% Financing |
Rate
Type |
| New |
72 Months |
5.25 |
5.15 |
Fixed |
|
| 2008 & Newer |
24 Months |
3.99% |
3.99% |
Fixed |
| 36 Months |
3.99% |
3.99% |
Fixed |
| 48 Months |
3.99% |
3.99% |
Fixed |
| 60 Months |
3.99% |
3.99% |
Fixed |
|
| 2006 - 2007 |
24 Months |
3.99% |
3.99% |
Fixed |
| 36 Months |
3.99% |
3.99% |
Fixed |
| 48 Months |
3.99% |
3.99% |
Fixed |
|
| 2004 - 2005 |
24 Months |
3.99% |
3.99% |
Fixed |
| 36 Months |
3.99% |
3.99% |
Fixed |
| 48 Months |
3.99% |
3.99% |
Fixed |
|
| 2003 & Older |
36 Months |
7.49% |
7.49% |
Fixed |
| 48Months |
8.49% |
8.49% |
Fixed |
* Interest Rates listed are the best rates and require auto payment, active checking account, and certain membership requirements. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate. ** Large Recreation Vehicles include fifth wheels, camp trailers, motorhomes, and larger boats.
|
|
|
| PERSONAL / SIGNATURE |
Term |
APR*
As Low As
|
Rate
Type |
| |
12 Mos |
7.24% |
Fixed |
| 24 Mos |
7.99% |
Fixed |
| 36 Mos |
8.99% |
Fixed |
* Interest Rates listed are the best rates and require auto payment, active checking account, and certain membership requirements. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate.
|
|
|
| SHARE SECURED |
Term |
APR*
As Low As
|
Rate
Type |
| |
|
Call for current rates |
|
|
|
| HOME EQUITY LINES OF CREDIT** |
DRAW / REPAYMENT PERIOD |
RATE* |
RATE TYPE |
RATE CAP |
| Standard 80% LTV |
5yrs / 10yrs |
3.25%* |
Variable |
9.25% |
| Standard 90% LTV |
5yrs / 10yrs |
4.75%* |
Variable |
10.75% |
| Standard 80% LTV |
5yrs / 7yrs |
6.375% |
Fixed |
n/a |
| Standard 90% LTV |
5yrs / 7yrs |
7.375% |
Fixed |
n/a |
| Draw Plus 80% LTV |
10 yrs / 10 yrs |
3.50%* |
Variable |
9.50% |
* Interest Rates listed are the best rates. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. *Variable rates are indexed to the Wall Street Journal prime rate. Floor rate of 3.25% and rate cap of 6% above initial start rate applies. APR is the Annual Percentage Rate.
|
|
|
| HOME EQUITY LOANS |
Term |
80% |
85% |
90% |
Rate Type |
| 5 Years |
5.125% |
5.75% |
6.125% |
Fixed |
| 7 Years |
5.50% |
6.125% |
6.50% |
Fixed |
| 10 Years |
5.75% |
6.50% |
6.75% |
Fixed |
| 12 Years |
6.125% |
6.875% |
7.125% |
Fixed |
* Interest Rates listed are the best rates. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate.
|
|
|
| IN HOUSE SPECIALTY MORTGAGES |
Term |
RATE*
Up To 80% Financing |
Rate
Type |
| |
10 Years |
3.99% |
Fixed |
| |
7 Years |
3.87% |
Fixed |
| |
5 Years |
3.74% |
Fixed |
* Interest Rates listed are the best rates. Rates may change based on credit history, underwriting criteria, and services used with the Credit Union. APR is the Annual Percentage Rate.
|
|
|
| MORTGAGES |
Term |
APR*
As Low As
Up To 80% Financing |
Rate
Type |
| Conforming 10 Year |
120 Mths |
Call for current rates |
Fixed |
| Conforming 15 Year |
180 Mths |
Call for current rates |
Fixed |
| Conforming 20 Year |
240 Mths |
Call for current rates |
Fixed |
| Conforming 30 Year |
360 Mths |
Call for current rates |
Fixed |
| FHA 30 Year |
360 Mths |
Call for current rates |
Fixed |
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