OPEN END FIXED RATE:
UNSECURED/SIGNATURE:Up to $15,000 maximum
Up to 2 years 9.90% APR
Up to 3 years 10.90% APR
Up to 4 years 11.90% APR
Up to 5 years 12.90% APR
Incl: Open-end, Share Draft/Overdraft Protection.
Minimum pmt - Greater of 5% of balance or $25.00
Rate 11.90% APR
AUTO LOANS
NEW AUTO: 100% financing48 months (4 years) 6.90% APR
60 months (5 years) 7.90% APR
72 months (6 years)(min $15,000) 9.90% APR
84 months (7 years)(min $30,000) 10.90% APR
96 months (8 years)(min $30,000) 11.90% APR
USED AUTO
Up to:6 model years
4 years repayment term
5 years repayment term if auto is < 2 yrs old
or
With a new auto rate if it is a current year model and < 5,000 miles
4 yrs Low Blue Book 8.90 % APR
5 yrs Low Blue Book 9.25% APR
4 yrs High Blue Book 10.90% APR
5 yrs High Blue Book 11.90% APR
(PRE-APPROVED AUTO LOANS SUBJECT TO CREDIT APPROVAL)
MORTAGES/HOME EQUITY:
1ST MORTGAGE: (CUNA MORTGAGE)
Up to 30 years, 75%-80% LTV. Rates change daily.CALL FOR RATE
APR = Annual Percentage Rate
1ST MORTGAGE (In-House)
Up to 15 & 20 year terms, a fee of 1.5% will be assessed for refinances with no additional advances, and .75% for those with $10,000 + advances.15 Year Term:
CALL FOR RATES
20 Year Term:
CALL FOR RATES
12 year term for loans classified as "Business Mortgage"
2ND MORTGAGE
80% of value minus 1st Mortgage10 year financing 9.25% APR
12 year financing 9.50% APR
CLOSED END FIXED RATE:
NEW AUTO LOAN SPECIAL!100% Financing. Minimum advance $15,000
Up to 6 years. (72 mos) 5.50% APR
Up to 5 years. (60 mos) 4.75% APR
Up to 7 years.
(84 mos) minimum advance $30,000 6.75% APR
USED AUTO LOAN SPECIAL!
Up to 5 year term, up to 5 model years, Low Blue Book Financing 5.75% APR. High Blue Book Financing 6.00% APR.
(Loans must be disbursed no later than 1 month from date of approval)
SIGNATURE LOAN
2007 SPECIAL!
Up to $7,000 max.
Up to 70 mos. 7.00% APR
VISA
VISA CLASSIC CARD:Shared Secured 9.00% APR
Unsecured 11.90% APR
OPEN END - VARIABLE RATE:
SHARE SECURED:90% Financing - Maximum term: 60 months (5 years)
Rate: 3.0% APR over Regular Share Dividend rate.
SHARE CERTIFICATE:
Variable rate - Maximum of 5 yearsRate 2.0% APR over CD Rate
EDUCATIONAL LOANS:
U.S.A Group - College Access Plan referral.Variable Rate FFELP Rate
VACANT LAND
12 year term, 70% financing lesser of appraised value or seller's price.County dedicated/improved residential area: 7.75% APR
HOME EQUITY
No *Fees/Closing Costs for loans up to $100,000.Rate adjusts semi-annually on the 1st of April and October of each year.
Appraisals are required for loans $100,000 and over. (*Appraisal and Flood Certification Fees are paid by the borrower)
The payoff period is 144 monthly payments.
HOME EQUITY 1ST MORTGAGE
Maximum amount loaned: $200,000 (up to 80% of appraised value)Rate effective:
04/01/08 - 09/30/08
6.50% APR
HOME EQUITY 2ND MORTGAGE
Maximum amount loaned: $100,000 (up to 80% of value minus 1st Mortgage)Rate effective:
04/01/08 - 09/30/08
6.50% APR