Federally insured
by the NCUA
|
|
| |
| Loan Account Type |
Allowable
Term** |
Annual
Percentage Rate** |
| Shares Secured |
60
months |
4.50%
|
New Autos
100%
Financed |
36 months |
5.99% |
48 months |
6.49% |
60
months |
6.99% |
72
months |
7.49% |
| Used Autos, 2012-2010 |
60 months |
6.99% |
| Used Autos, 2009 |
48 months |
7.24% |
| ----- loan over $10,000 |
54 months |
7.50% |
| Used Autos, 2008-2005 |
36 months |
7.75% |
| ----- loan over $10,000 |
42 months |
8.00% |
| Used Autos, 2004-1997 |
36 months |
11.00% |
| Used Autos, 1996-1978 |
24 months |
13.75% |
Vintage Auto's 1986 & older
(see note
below * ) |
60 months |
6.99% |
| Other Secured |
36 months |
10.75% |
| Line of Credit (up to $3000) |
42
months |
13.50% |
| Premier Line of Credit
(to $20,000) |
36
months |
11.00% |
| Second Chance ($500 max) |
12 months |
18.00%
NO DISCOUNTS |
Overdraft Protection
$0
to $500 (Payment $30) |
$30 payment |
13.50% |
Overdraft Protection
$0
to $1,000 (Payment $50.00) |
$50 payment |
13.50% |
| Unsecured, $500 to $1,000 |
12 months |
8.50% |
| Unsecured, $1500 to $3,000 |
18 months |
8.50% |
| Unsecured, $3500 to $6,000 |
30 months |
8.50%
|
| Term Signature (max $7500) |
6 months |
13.50% |
| New Motorcycles, ATV's,
Snowmobiles, Personal Watercraft, Trailers (85% Financed of purchase price) |
60 months |
7.75% |
| Used Motorcycles, ATV's Snowmobiles, Personal Watercraft, Trailers (2012-2005) |
48 months |
8.75% |
| New RVs and Campers (85%
Financed of purchase price) |
72 months |
7.75% |
| ----- loan over $20,000 |
120 months |
7.75% |
| Used RVs and Campers (85%
Financed of purchase price) |
72 months |
8.75% |
| ----- loan over $20,000 |
120 mnths |
8.75% |
| New Boats (85% Financed of
purchase price) |
72 months |
7.75% |
| Used Boats (2012 - 2002)
|
60 months |
8.75% |
| Mobile Home |
|
10.75% |
|
*Vintage Auto's - 85% Market Value by 2007 Cars & Prices Publication per Appropriate Vehicle Condition Scale
**Your term and annual percentage rate may vary depending on your credit worthiness. Please ask a loan officer for details regarding how your rate is determined.
|
|
Loan Account Type |
Details |
| 1st Mortgage (Purchase -- Non-Purchase) |
- Fixed Rate
- Wall Street Journal 10 Year Treasury Note
- $250,000 Maximum
- 5-10-15-20 Years
|
|
H.E.L.O.C.
(Home Equity Line of Credit)
HELOC Disclosure |
- $200,000 Maximum
- 15 Years Maximum
- Variable Rate
(Re-price June 1 Annually)
- RE = Variable Rate Re-price June & Dec
|
|
Visa Disclosure Information
Annual Percentage Rate for Purchases |
Grace Period for Purchases |
Method of Computing the Balance for Purchases |
Annual Fees |
Minimum Finance Charge |
Foreign Transaction Fee |
Other Charges |
Classic
15.99%
Platinum
8.70% |
You have 25 days to repay your balance before a finance charge on purchases will be imposed |
Average Daily Balance (including new purchases) |
NONE |
NONE |
1% of Transaction Amount |
Late Fee: $15 (after 15 days)
Returned Item Fee: $25
|
Late Charge:
When the payment due is greater than $25.00, the maximum late charge is 5% of the payment due or $15.00, whichever is greater, not to exceed $50. Also, a $25.00 fee will be charged on insufficient funds checks accepted for loan payments.
Other Charges:
You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.
Collection Costs:
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
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