| Effective
September 2011. 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%
Loan Special 3.50% APR for 60 months |
Used Vehicles,
Motorcycles, Tractors, Boats, ATVs, Horse Trailers
(Current + prior year + 20,000 miles) (Purchase/Refinance 2-4 years)* |
4.00%
- 17.25% |
| Used Vehicles,
Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinance 5-9 years)* |
5.00% -
17.75% |
| Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinances 10+ years) |
6.00% -
18.25% |
| Personal
|
9.00% -
16.00%
Loan Special 7% - 14% |
| 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% |
