| |
Effective as of: August 1, 2010
| New Vehicle Loans (2005-2010) |
| Term |
Rates |
APR* |
Payment |
| 3 Years |
4.00% |
4.00% |
Payment per $1,000 = $29.53 |
| 4 Years |
4.00% |
4.00% |
Payment per $1,000 = $22.59 |
| 5 years |
4.25% |
4.25% |
Payment per $1,000 = $18.54 |
| 6 years |
5.00% |
5.00% |
Payment per $1,000= $16.11 |
| 7 years |
6.00% |
6.00% |
Payment per $1,000 = $14.62 |
|
| Terms available vary based on model year of vehicle. Please contact the Credit Union with questions. |
| Used Vehicle - Model Years (2001-2004) |
| Term |
Rates |
APR* |
Payment |
| 3 years |
5.50% |
5.50% |
Payment per $1,000 = $30.20 |
| 4 years |
5.50% |
5.50% |
Payment per $1,000 = $23.27 |
|
| Terms available vary based on model year of vehicle. Please contact the Credit Union with questions. |
| First Mortgages |
| For Todays Current Mortgage Rates Contact The Credit Union At 353-4144 |
| 5-YR Balloon Mortgage |
| Term |
Rate |
APR* |
|
Based on a
30 year amortization |
4.25% |
4.571% |
|
| 1.) EXAMPLE: Based on the full advance of $100,000, 59 monthly payments of $492.15 with one payment of remaining balance. |
| 2.) Closing costs typically range from $1,300 to $1,700. |
| Construction Loans |
| Term |
Rate |
|
|
| Max. term 12 months, interest only payments |
8.50% |
|
1 point required |
| 1.) EXAMPLE: Based on the full advance of $250,000, monthly interest payments would be $1,746.57. |
| Second/Junior Mortgage Loan |
| Term |
Rates |
APR* |
Payment |
| 5 years |
4.250% |
4.300% |
Payment per $1,000 = $18.54 |
| 8 years |
4.500% |
4.532% |
Payment per $1,000 = $12.43 |
| 10 years |
4.500% |
4.526% |
Payment per $1,000 = $10.37 |
| 15 years |
5.500% |
5.519% |
Payment per $1,000 = $8.18 |
| 20 years |
6.000% |
6.015% |
Payment per $1,000 = $7.17 |
| 1.) Closing costs typically range from $300 - $700. |
| Mobile Homes In A Park |
| Term |
Rates |
APR* |
Payment |
| 5 years |
5.95% |
5.95% |
Payment per $1,000 = $19.31 |
| 8 years |
7.00% |
7.00% |
Payment per $1,000 = $13.64 |
| 10 years |
7.50% |
7.50% |
Payment per $1,000 = $11.87 |
| 15 years |
7.75% |
7.75% |
Payment per $1,000 = $9.41 |
| 20 years |
8.00% |
8.00% |
Payment per $1,000 = $8.37 |
| Camps/Vacation Homes |
| Term |
Rates |
APR* |
Payment |
| 10 years |
6.75% |
6.837% |
Payment per $1,000 = $11.49 |
| 15 years |
6.95% |
7.106% |
Payment per $1,000 = $8.96 |
| 20 years |
7.250% |
7.380% |
Payment per $1,000 = $7.90 |
| Home Equity Lines of Credit** |
|
Rate |
|
Payment |
| Revolving |
Prime rate + 0% |
|
1 1/2% of the outstanding balance as of last advance |
| No Equity Home Improvement Loan |
| Term |
Rate |
APR* |
Payment |
| 10 years |
8.50% |
8.849% |
Payment based on $7,500.00 = $92.99 |
| Land Loans |
| Term |
Rates |
APR* |
Payment |
| 8 years |
7.25% |
7.357% |
Payment per $1,000 = $13.76 |
| 10 years |
7.50% |
7.589% |
Payment per $1,000 = $11.87 |
| 15 years |
7.50% |
7.569% |
Payment per $1,000 = $9.27 |
| Preferred Credit Line*** |
|
Rate |
|
Payment |
| Revolving |
Prime + 3% |
|
2% of outstanding balance as of last advance. |
| Personal |
| Term |
Rates |
APR* |
Payment |
| 1 year |
7.50% |
7.50% |
Payment per $1,000 = $86.01 |
| 3 years |
12.50% |
12.50% |
Payment per $1,000 = $33.46 |
| 5 years |
13.50% |
13.50% |
Payment per $1,000 = $23.02 |
| Checking Overdraft Protection |
| Term |
Rate |
APR* |
Payment |
| open ended |
15.50% |
|
2% of outstanding balance, or $35 whichever is greater |
| 1.) Membership eligibility required. There is no minimum initial advance required. |
| 2.) 15.50% Fixed APR (Annual Percentage Rate). There is no minimum Annual Percentage Rate that may be imposed. |
| Motorhomes |
| Term |
Rates |
APR* |
Payment |
| 5 years |
5.95% |
5.95% |
Payment per $1,000 = $19.31 |
| 10 years |
6.50% |
6.50% |
Payment per $1,000 = $11.36 |
| 15 years |
6.95% |
6.95% |
Payment per $1,000 = $ 8.96 |
| 20 years |
7.25% |
7.25% |
Payment per $1,000 = $ 7.91 |
| Add .50% on Model Years older than 2004 |
| Tractors, Motorcycles, ATVs & Snowmobiles |
| Term |
Rates |
APR* |
Payment |
| 3 years |
6.50% |
6.50% |
Payment per $1,000= $30.66 |
| 4 years |
6.50% |
6.50% |
Payment per $1,000 = $23.72 |
| 5 years |
6.50% |
6.50% |
Payment per $1,000 = $19.58 |
| Business Real Estate Loans |
| Type |
Term |
Rates |
APR* |
| Fixed Rate |
15 years |
6.500% |
6.557% |
| 5-Year Balloon |
|
6.250% |
6.623% |
| Line of Credit |
|
Prime + 1% |
|
| Construction Loans |
|
9.00% |
1 point required |
| Business Auto and Pickup Trucks (2005 - 2010) |
| Term |
Rates |
APR* |
Payment |
| 4 years |
4.00% |
4.00% |
Payment per $1,000 = $22.59 |
| 5 years |
4.25% |
4.25% |
Payment per $1,000 = $18.54 |
| 6 years |
5.00% |
5.00% |
Payment per $1,000 = $16.11 |
| 7 years |
6.00% |
6.00% |
Payment per $1,000 = $14.62 |
| Business Equipment |
| Term |
Rates |
APR* |
Payment |
| 5 years |
6.25% |
6.25% |
Payment per $1,000 = $19.45 |
| 10 years |
7.00% |
7.00% |
Payment per $1,000 = $11.61 |
| Business Heavy Equipment |
| Term |
Rates |
APR* |
Payment |
| 5 years |
6.25% |
6.25% |
Payment per $1,000 = $19.45 |
| 10 years |
6.50% |
6.50% |
Payment per $1,000 = $11.36 |
| 15 years |
6.75% |
6.75% |
Payment per $1,000 = $8.85 |
*Annual Percentage Rate
For rates on other types of loans, please contact the credit union.
All rates are subject to change without notice.
back to the top
|
 |
|
 |
 |
 |
|
|
