| NEW & USED Cars, Trucks, Vans, Motorcycles and CPI Vehicles |
| |
24 mos |
5.25% |
| |
36 mos |
5.50% |
| |
48 mos |
5.75% |
| |
60 mos |
6.00% |
| |
72 mos |
6.75% |
| NEW & USED Motor Homes (RV's) and Boats |
| |
36 mos |
6.75% |
| |
60 mos |
7.25% |
| |
84 mos |
8.50% |
| |
96 mos |
8.75% |
| |
120 mos |
9.25% |
| NEW & USED Mobile Homes |
| |
36 mos |
7.75% |
| |
60 mos |
8.25% |
| |
84 mos |
9.50% |
| |
96 mos |
9.75% |
| |
120 mos |
10.25% |
NEW & USED Misc.*
Vehicles, Jet Ski, Off Road MC, ATV's, Furniture, Appliances, Computers and Etc. |
| |
36 mos |
10.75% |
| SIGNATURE |
Term |
APR |
| Unsecured |
36 mos |
12.00% |
| SHORT TERM 1ST MORTGAGE |
Term |
APR |
| |
84 mos |
6.50% |
| |
96 mos |
6.75% |
| ECU or Home Equity |
| |
36 mos |
6.25% |
| |
60 mos |
7.00% |
| |
84 mos |
7.50% |
| |
108 mos |
8.50% |
| |
120 mos |
9.50% |
| HOME EQUITY LINE OF CREDIT (HELOC) |
| FIXED RATE (Max Amt $50,000) |
36 mos 84 mos |
7.00% |
| VARIABLE RATE (Max Amt $75,000) |
180 mos |
6.75% |
** Interest rates listed are APR = annual percentage rate. All rates are subject to credit approval and are subject to change without notice. Rates apply to new ECU loans and refinances from other financial institutions. All rates listed are "as low as". Your rate and your term will be determined by your credit score and security offered.
| Share and Certificate Secured Loans |
Percentage rate above Share or Certificate Dividend Rate
Max amount 90% of Account Balance
Max Term cannot exceed term of Certificate |
Varies |
2.50% |
| Visa Credit Card |
| APR: |
12.50% |
| Grace Period: |
25 Days |
| High Balance Fee: |
$10.00 per month |
| Method of Computing Balance for Purchases: |
Average Daily Balance including new Purchases |
| Overdraft Protection |
| |
- |
18.00% |
Notes
All interest rates printed are fixed rates except the HELOC variable rate.
Maximum interest rate allowed on any type of loan is 21.00%.
Deductible for Full Insurance Coverage
For loans requiring full coverage insurance, the maximum deductible will be $500.00. Any deductions over $500.00 will require prior written approval by the credit union.
Loan Origination Fees
2.00% of new loan or advance on existing loan, not to exceed $100.00.
The origination fee is waived for these reasons below:
- All Mortgage Loans
- Overdraft Loans
- Share or Certificate Secured Loans
- Visa
Late Payment Fee (Only on loans made after June 1, 1998)
Assessed when payment is 10 days past due
Amount is 5.00% of unpaid amount of installment payment or $25.00, whichever is less
Late payment fee is assessed on all types of loans
|
