Loan Rates
New/Used Vehicles
| 1 year |
(100% new) BV-used model |
$15.00 |
12 |
as low as 3.50% (fixed) |
| 2 years |
(100% new) BV-used model |
$15.00 |
24 |
as low as 4.00% (fixed) |
| 3 Years |
(100% new) BV-used model |
$15.00 |
36 |
as low as 4.50% (fixed) |
| 4 years |
(100% new) BV-used model |
$15.00 |
48 |
as low as 4.75% (fixed) |
| 5 Years |
(100% new) BV-used model |
$15.00 |
60 |
as low as 5.00% (fixed) |
| 6 Years - Min 25K or over |
(100% new) BV-used model |
$15.00 |
72 |
as low as 5.00% (fixed) |
| New models 7 years - Min 25K |
(100% new) |
$15.00 |
84 |
as low as 5.00% (fixed) |
New Boats/RVs
Not to exceed $100,000.00 - insurance requirement - (hull-boats) - (comprehensive and collision - RVs)
90% of purchase price (including tax and titling) for new boats and RVs
| 1 - 5 Years |
Min $30,000 |
$15.00 |
as low as 4.50% |
| 5 - 10 Years |
Min $30,000
Max $100,000 |
$15.00 |
as low as 10.50% |
Used Boat/RVs
Not to exceed $100,000.00 - insurance requirement - (hull-boats) - (comprehensive and collision - RVs)
90% of retail value for used boats and RVs
| 1 - 5 Years |
Min $30,000 |
$15.00 |
as low as 4.50% |
| 5 - 10 Years |
Min $30,000
Max $100,000 |
$15.00 |
as low as 10.50% |
Personal
| 1 Year |
$12,000 |
$15.00 |
as low as 8.00% |
| 2 Years |
$12,000 |
$15.00 |
as low as 11.00% |
| 3 Years |
$12,000 |
$15.00 |
as low as 11.25% |
| 4 Years |
$12,000 |
$15.00 |
as low as 11.25% |
| 5 Years |
$12,000 |
$15.00 |
as low as 11.25% |
Personal LOC
| ++Open End |
$10,000 |
$15.00 |
12.00% TIER PAYMENT |
Student Loans
| Stafford - In School, Grace, or Deferrement |
7/1/08 |
5.60% |
| Plus |
7/1/08 |
8.50% |
Shares
| CU shares 12 Years |
|
$15.00 |
144 |
5.25% |
Visa Cards
| Visa Platinum |
Min $500 - Max $50,000 |
$15.00 |
as low as 9.90% |
Home Equity
80% of Appraised Value Minus Outstanding Mortgage
| Mem. pays closing |
MIN $10,000.00 |
1.5% of pmt |
60 |
5.75% |
$19.45 |
| C.U. pays closing |
MIN $10,000.00 |
1.5% of pmt |
60 |
6.25% |
$19.69 |
| Mem. pays closing |
MIN $10,000.00 |
1.5% of pmt |
120 |
6.25% |
$11.49 |
| C.U. pays closing |
MIN $10,000.00 |
1.5% of pmt |
120 |
6.75% |
$11.75 |
| Mem. pays closing |
MIN $10,000.00 |
1.5% of pmt |
180 |
6.50% |
$9.14 |
| C.U. pays closing |
MIN $10,000.00 |
1.5% of pmt |
180 |
7.00% |
$9.42 |
****Home Equity Line of Credit
| 15 Years, 10 Years Draw |
MIN $20,000.00 |
1.5% of pmt |
180 |
3.00% |
$6.91 |
Rates are accurate as of 7/23/10.
+Rates shown are the lowest rates offered for the products advertised. Applicants who do not qualify at the rate and / or term requested may be offered credit at a higher rate and / or different terms. All extensions of credit are subject to credit approval.
++Variable Rate: The Annual Percentage Rate (APR) For Personal Line of Credit advances and existing balances will be subject to change on the first day of each month and will be equal to the Prime Rate in Effect on the fifteenth day of the prior month (Index) plus 3.75% (MARGIN). The ANNUAL PERCENTAGE RATE will never be less than 12% or greater than 18% or the maximum rate allowed by law, whichever is less. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.
** For consumer loans, your rate, term and maximum amount you can borrow may vary, and will be determined by your credit history and term of your loan.
****Rates are current as of the above date. All terms are subject to change without notice. HELOC - up to 80% of appraised value minus outstanding mortgage. PRIME RATE - with a 14% Maximum rate cap and floor of 4%.. Rate will adjust annually on January 1st. HELOC - 1st draw is for $20,000.00 - Minimum advance of $100.00 - no limitations on the # of advances per year. Credit Union to pay all closing costs. For current rates call (516) 562-4918.
Click here for schedule of fees. |
