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New Auto Loan Rates • Used Auto Loan Rates • Signature Loan Rates • Home Equity Loan Rates
Share Certificate Rates • Share Savings Rates
| NEW AUTO LOAN RATES |
| Effective 05/25/2011 |
| Loan Application |
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With Credit Based Lending, your loan rate will be determined according to your personal credit profile. Now, when you call to inquire about our New Auto loan rates, you will hear a range of rates. Once we determine your credit profile, we will offer you the best possible rate. |
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| SCORE |
20%DOWN** |
0% DOWN |
| R1 |
2.99% APR* |
3.49% APR* |
| R2 |
3.49% APR* |
3.99% APR* |
| R3 |
4.49% APR* |
4.99% APR* |
| R4 |
6.49% APR* |
6.99% APR* |
| R5 |
8.49% APR* |
8.99% APR* |
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| *APR - Annual Percentage Rate |
| ** Down payment or trade-in with maximum term of 72 months on new cars; 60 months on 1 & 2 year old models. |
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Shares may also be pledged as part of the down payment for security of auto loan.
In order to expedite the loan process, you will need to supply the Credit Union with copies of the following documents:
- Completed Application (Signed and dated)
- Copy of your current pay stub
- Copies of other income
- Copy of the Dealer Sales Agreement
- Copy of your Driver's License
- Copy of Proof of Insurance
- If Private Ownership, year/make/model/VIN
Please return completed application form and document copies to the Credit Union or Campus Representative. Information can also be faxed or sent through interdepartmental mail. Once received, the Credit Committee will review your loan application and you will then be notified of their decision. If you have any questions in the loan application process please feel free to contact us. |
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| USED AUTO LOAN RATES |
| Effective 05/25/2011 |
| Loan Application |
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With Credit Based Lending, your loan rate will be determined according to your personal credit profile. Now, when you call to inquire about our Used Auto loan rates, you will hear a range of rates. Once we determine your credit profile, we will offer you the best possible rate. |
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| SCORE |
20%DOWN** |
0% DOWN |
| R1 |
2.99% APR* |
3.49% APR* |
| R2 |
3.49% APR* |
3.99% APR* |
| R3 |
4.49% APR* |
4.99% APR* |
| R4 |
6.49% APR* |
6.99% APR* |
| R5 |
8.49% APR* |
8.99% APR* |
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| *APR - Annual Percentage Rate |
| ** Down payment or trade-in with maximum term of 72 months on new cars; 60 months on 1 & 2 year old models. |
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Shares may also be pledged as part of the down payment for security of auto loan.
In order to expedite the loan process, you will need to supply the Credit Union with copies of the following documents:
- Completed Application (Signed and dated)
- Copy of your current pay stub
- Copies of other income
- Copy of the Dealer Sales Agreement
- Copy of your Driver's License
- Copy of Proof of Insurance
- If Private Ownership, year/make/model/VIN
Please return completed application form and document copies to the Credit Union or Campus Representative. Information can also be faxed or sent through interdepartmental mail. Once received, the Credit Committee will review your loan application and you will then be notified of their decision. If you have any questions in the loan application process please feel free to contact us. |
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| SIGNATURE LOAN RATES |
| Effective 04/16/2008 |
| Loan Application |
With Credit Based Lending, your loan rate will be determined according to your personal credit profile. Once we determine your credit profile, we will offer you the best possible rate. Loans that are secured by shares from 50% - 100% will continue to be available at a lower rate.
The limit for borrowing is twice your monthly salary not to exceed $15,000. Members will be charged a flat fee of $35 when they refinance a loan.
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| Signature Loans |
Secured with 100% |
4.99% APR* |
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Secured with 50% |
5.99% APR* |
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SCORE |
FICO Credit Score |
Rate |
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R1 |
690 & Up |
8.50% APR* |
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R2 |
689 - 650 |
10.50% APR* |
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R3 |
649 - 600 |
12.50% APR* |
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R4 |
599 - 550 |
15.50% APR* |
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R5 |
549 & Below |
17.50% APR* |
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| *APR - Annual Percentage Rate |
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In order to expedite the loan process, you will need to supply the Credit Union with copies of the following documents:
- Completed Application (Signed and dated)
- Copy of your current pay stub
- Copies of other income
Please return completed application form and document copies to the Credit Union or Campus Representative. Information can also be faxed or sent through interdepartmental mail. Once received, the Credit Committee will review your loan application and you will then be notified of their decision. If you have any questions in the loan application process please feel free to contact us. |
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| HOME EQUITY LOAN RATES |
| Effective 01/18/2012 |
| Loan Application |
| 5 YEAR |
10 YEAR |
15 YEAR |
| 3.99% APR* |
4.49% APR* |
4.99% APR* |
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| *APR - Annual Percentage Rate |
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80% LTV (Loan to Value of Home) up to maximum amount of $60,000.00.
In order to expedite the loan process, you will need to supply the Credit Union with copies of the following documents:
- Copy of your current pay stub
- Copies of other income
Please return completed application form and document copies to the Credit Union or Campus Representative. Information can also be faxed or sent through interdepartmental mail. Once received, the Credit Committee will review your loan application and you will then be notified of their decision. If you have any questions in the loan application process please feel free to contact us. |
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| SHARE CERTIFICATE RATES |
| Effective 11/17/2010 |
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| TERM |
MINIMUM |
APY* |
| 6 Month |
$500 |
.25% |
| 12 Month |
$2,500 |
.50% |
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| JUMBO CERTIFICATES |
| TERM |
MINIMUM |
APY* |
| 6 Month |
$50,000 |
.75% |
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| *APY - Annual Percentage Yield |
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| Penalty applies for early withdrawals |
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| SHARE SAVINGS RATES |
| Effective 12/17/2010 |
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AMOUNT |
APY* |
$100.00 and above |
0.15% |
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| *APY - Annual Percentage Yield |
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