Loan Rates
| New Auto (10% down payment, 2008-2007) | |||
| 24 months | as low as 4.50% APR | ||
| 36 months | as low as 4.50% APR | ||
| 48 months | as low as 5.00% APR | ||
| 60 months | as low as 5.00% APR | ||
| 66 months | as low as 5.50% APR | ||
| 72 months | as low as 5.50% APR | ||
| (New cars are 2007 models or newer with less than 20,000 miles.) | |||
Used Autos Term |
2008-2006 |
2005-2003 |
2002-2001 |
60 months |
as low as 5.25% APR |
as low as 6.25% APR |
N/A |
48 months |
as low as 5.25% APR |
as low as 6.25% APR |
as low as 8.00% APR |
36 months |
as low as 5.25% APR |
as low as 6.25% APR |
as low as 8.00% APR |
24 months |
as low as 5.25% APR |
as low as 6.25% APR |
as low as 8.00% APR |
(add 1/2% for an additional 6 month
term) |
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Signature Loan |
as low as 9.99% APR |
48 months |
$20,000 max |
Line of Credit |
as low as 9.99% APR |
2.5% monthly |
$20,000 max |
VISA |
as low as 8.99% APR |
10.99% APR |
12.99% APR |
| (Unsecured loans exceeding $10,000 requires a Personal Confidential Financial Statement. All members are restricted to a maximum aggregate total unsecured loan of $20,000 including Personal, Visa and Lines of Credit. | |||
| Purchase Money (NEW) | as low as 6.00% APR | 36 months | |
| (Boats, travel trailers, | as low as 6.00% APR | 48 months | |
| campers, garden tractors) | as low as 6.00% APR | 60 months | |
| as low as 6.50% APR | 66 months | ||
| as low as 6.50% APR | 72 months* | ||
| as low as 6.50% APR | 84 months* | ||
| as low as 6.50% APR | 96 months* | ||
| * $10,000 and greater |
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| Purchase Money (USED) | as low as 7.00% APR | 36 months | |
| (Boats, travel trailers, | as low as 7.00% APR | 48 months | |
| campers, garden tractors) | as low as 7.00% APR | 60 months | |
| Max age 5 years | |||
| Motorcycles, Snowmobiles, | as low as 6.50% APR | 36 months | |
| Jet Skis- (NEW) | as low as 6.50% APR | 60 months | |
| Motorcycles, etc. (USED) | as low as 7.00% APR | 36 months | |
| (max age 5 years) | as low as 7.00% APR | 48 months | |
| as low as 7.00% APR | 60 months | ||
| Classic Auto: New car rate based on term; appraisal required | |||
| Motor Homes (New) | as low as 6.00% APR | 60 months | |
| as low as 6.25% APR | 72 months | ||
| as low as 6.25% APR | 120 months | ||
(Used) |
as low as 6.50% APR | 48 months | |
| as low as 7.00% APR | 60 months | ||
| as low as 7.00% APR | 72 months | ||
| Mobile Homes (New) | as low as 7.50% APR | 60 mo/ $15,000 | |
| as low as 7.75% APR | 84 mo/ $15,000 | ||
| (Used) | as low as 9.99% APR | 10% down | 60 mo/ $15,000 |
| 84 mo/ $15000 max | |||
| Share Secured 100% | 4.50% APR | 36 months | |
| 4.75% APR | 60 months | ||
| Certificate Secured: 2% above earnings rate or share secured rate, whichever is greater. Term is not to exceed maturity of security. | |||
| Mortgages: | 1st Positions | 2nd Positions | |
| 5.25% APR | 6.50% APR | 60 months | |
| 5.50% APR | 6.75% APR | 84 months | |
| 6.00% APR | 7.25% APR | 120 months | |
| 6.25% APR | 7.50% APR | 180 months | |
| Quick Mortgages | 7.50% APR | 9.50% APR | 60 months |
| 7.75% APR | 9.75% APR | 72 months | |
| 8.00% APR | 10.00% APR | 84 months | |
| (Maximum $20,000. Any loan exceeding $15,000 requires Credit Union paid appraisal all loans maximum of 80% of appraised value or is loan less than $15,000.01 then 80% of the dwelling insurance.) | |||
| Home Equity: | Prime | Ceiling 18.00% | |
| Balloon Mortgage | 1st Position | 2nd Position | |
| 60 months | 5.00% APR | 6.25% APR | 30 year term |
5 year balloon with 25 year |
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| 120 months | 5.75% | 7.00% | 30 year term |
| Note: If we hold the 1st mortgage then we will honor the 2nd mortgage with the 1st position rate. | |||
| Call for details on how you can save with discounts for Gold Key Club and Direct Deposit. | |||
| Rates are subject to change and are valid as of April 14, 2008 | |||
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| Interested in a loan? |
Contact our Mishawaka Office US 31 South Office |