Rates effective
February 1, 2012
and subject to change. Rates and terms subject to change. Fixed rates may vary based on credit history and profile. Terms available up to 10 years. Maximum loan-to-value is 100%. Free Closing Costs. Variable Interest Rate. Payment for a loan is easy with a payroll deduction or automatic transfer from your checking, savings, or money fund. Payroll deduction is not available for Home Equity or Visa payments. We offer credit life and credit disability insurance to protect your loan at a very low cost! Ask your Loan Officer for details. Interest rates for this category of loans may change each quarter on new and existing loans. This guarantees that credit union interest rates will keep pace with the economy and protect both the individual and the membership as a whole. These loans offer you the security of an interest rate that remains constant over the life of the note.
Loan Rates
Personal Loan Rates Auto Loans - New Models As low as 1.99% APR 100% Financing available. Terms up to 10 years. Fixed rates only. Rates and terms may vary based on credit history & profile. Lower rates are available for shorter terms! Contact our loan department at (919) 941-5700 for more information. Based on a 60-month term. Auto Loans - Used Models As low as 1.99% APR 100% Financing available. Terms up to 10 years. Fixed rates only. Rates and terms may vary based on credit history & profile. Contact our loan department at (919) 941-5700 for more information. Based on a 60-month term. RV Loans - New & Used Models As low as 7.25% APR 100% financing available. Terms up to 10 years. Rates and terms may vary based on credit history and profile. Fixed Rates only. Motorcycle & Boat Loans - New & Used Models As low as 7.75% APR 100% financing available. Terms up to 10 years. Rates and terms may vary based on credit history and profile. Fixed Rates only. Personal Loans 9.00% APR and up Rates and terms may vary based on credit history and profile. Fixed Rates only. Term available up to 60 months. Visa Credit Cards Fixed Rate - 10.00% APR and up No Annual Fee. No fee for cash advances. Fixed rates may vary based on credit history and profile. 30-day grace period. Monthly payment = 2% of balance. Overdraft Protection 9.00% APR and up Rates and terms may vary based on credit history and profile.
*APR = Annual Percentage RateHome Equity Loans As low as 5.75% Maximum loan-to-value is 100%
Home Equity Line of Credit*
Amount APR $15,000 and Over 5.00%* Up to $15,000 5.00%*
Interest may be tax deductible! 10-year draw period and 15-year repayment period. Maximum Loan-to-Value = 100%. Variable rate based on Wall Street Journal prime rate plus 1% APR and .75% APR. Rates subject to change quarterly.
*APR = Annual Percentage Rate
*This product's floor (lowest) rate is either 5.00% or 7.00% based on loan-to-value..
Share/Money FundType Term APR Share Loan Up to 60 months Share Rate + 4% Money Fund Up to 60 months Money Fund Rate + 4%
Borrow as much as you have in your Savings (Share) Account or Money Fund Account
*APR = Annual Percentage Rate
Certificate Loans Interest Rate = current certificate rate + 4% Borrow up to the amount invested and the term of your loan will equal. Interest rate remains constant for duration of loan and certificate.
General Policies
Repayment
Insurance
Variable Rate Loans
Fixed Rate Loans
