Valdosta Teachers' Federal Credit Union
Effective September 16, 2013. Rates subject to change without notice. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors.
LOAN TYPE ANNUAL PERCENTAGE RATE

New Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
(Current + prior year less than 20,000 miles)*

2.50% - 16.50% 
Meet or beat the competition!

Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers
(Current + prior year + 20,000 miles) (Purchase/Refinance 2-4 years)*

2.75% - 14.75% 
Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinance 5-9 years)* 4.00% - 15.25%
Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinances 10+ years) 6.00% - 16.75%
Personal  9.00% - 16.00%
Household Goods, Lawn Mowers, Computers 7.00% - 16.00%
1st Mortgages - Adjustable 5.00% - 18.00% Rates are based on the 6 month T-bill +2 (floor 5.00%.) The rate may adjust only 1% in one year and not to exceed 4% over life of the loan. As of 10/1/10 the variable APR for homes is $5.00% - 8.00%. This interest rate is subject to change, but will not exceed 18% APR. 

Closing costs may range from $605.75 to $3,324.52 (based on $200,000). Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply.
Home Equity - Adjustable 6.00% - 18.00% based on 6 month T-bill +2 (floor 6.00%.) The rate may adjust only 1% in one year and not to exceed 4% over life of the loan. As of 10/1/10 the variable APR for home equity lines of credit ranges from 6.00% to 7.00%. This interest rate is subject to change, but will not exceed 18.00% APR.

Closing costs may range from $0 to $987.50.  Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply.
Mobile Homes Without Land 7.99% - 18.00% based on 6 month T-bill +2 (floor 7.99) adjustable. The rate may adjust only 1% in one year and not to exceed 4% over life of the loan. As of 10/1/10 the variable APR for mobile homes with land is 7.99% to 11.99%. This interest rate is subject to change, but will not exceed 18% APR.

Closing costs may range from $33.00 - $51.00. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply.
Share Covered 4.00%
Certificate Covered

Certificate rate +2%

Personal (Line of Credit) 8.00% - 15.00%
Overdraft Protection 8.00% - 15.00%
Travel Trailers - Fixed 5.00% - 18.00%
Travel Trailers - Adjustable 5.00% - 18.00% based on 6 month T-bill +2 (floor 5.00%.) The rate may adjust only 1% in one year and not to exceed 4% over life of the loan. As of 10/1/10 the variable APR for travel trailers is 5.00% to 9.00%. This interest rate is subject to change, but will not exceed 18% APR. 

Closing costs may range from $33.00 -$35.00. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply.  
1st Mortgages - Fixed 5.00% - 8.00%
Mobile Home - Fixed 5.00% - 8.00%
Recreational Vehicles - Fixed 3.50% - 17.00%

*New purchase or refinanced from another financial institution.
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