 |
Please use the Credit Score Guide below to help determine the best interest
rate that you can qualify for. Rates are assigned based on the Credit
Union’s Lending Policy and Guidelines. Underwriting restrictions
may apply.
CREDIT
SCORE GUIDE |
Grade |
Score |
Rate
Structure |
|
A |
720 + |
Base Rate |
|
B |
680-719 |
Base Rate + 1.00% |
|
C |
620-679 |
Base Rate + 6.00% |
|
D |
580-619 |
Base Rate + 9.00% |
|
E |
579 - |
Base Rate + 12.00% |
|
| *No score borrower will receive a Grade “C”. |
|
LOAN
TYPE |
APR* |
Term** |
Percent Financed |
| Share Secured |
4% over stated Regular Share Rate |
Up to 60 Months |
100% |
|
| Share Certificate Secured |
2% over stated Certificate Rate |
6 Months to 3 Years |
100% |
|
| Signature |
9.00% |
Up to 24 Months |
Up to $5,000 |
|
| VISA Classic |
12.00% - 17.99% |
Revolving
Inactivity:$20.00 anually in January
|
$0 to $4,999.99 |
|
| VISA Platinum |
9.99% |
Revolving
No Annual Fee |
$5,000.00 - $10,000 |
|
| Revolving/Overdraft |
15.00% |
Revolving |
Up to $2,500 |
|
| Cars/Pickups New & Used |
2.75% |
Up to 72 months |
Up to 100% |
|
| Boats, R.V.'s, Trailers, Mobile Homes, Misc. Equip. |
Boats/RV's/Trailers-7.49%
/Mobile Homes/Misc Equip-9.75% |
Up to 180 months |
Up to 100% |
|
| Motorcycles, ATV's, Snowmobiles |
7.75% |
Up to 60 months |
Up to 100% |
|
1st Mortgage/Home Equity Rates Based on Credit Score - Maximum Term 15 Years
|
Score |
|
Up
To 120 Months
(10 Years) |
Up
To 180 Months
(15 Years)
|
| A |
Base Rate |
5.75% APR* |
6.00% APR* |
| B |
Base Rate + 1.0% |
6.75% APR* |
7.00% APR* |
| C |
Base Rate + 2.0% |
7.75% APR* |
8.00% APR* |
| D |
Base Rate + 4.0% |
9.75% APR* |
9.00% APR* |
| E |
Base Rate + 5.0% |
10.75% APR* |
11.00% APR* |
|
2nd Mortgage/Home Equity Rates Based on Credit Score - Maximum Term 15 Years
|
Score |
|
Up
To 120 Months
(10 Years) |
Up
To 180 Months
(15 Years) |
| A |
Base Rate |
6.50% APR* |
6.75% APR* |
| B |
Base Rate + 1.0% |
7.50% APR* |
7.75% APR* |
| C |
Base Rate + 2.0% |
8.50% APR* |
8.75% APR* |
| D |
Base Rate + 4.0% |
10.50% APR* |
10.75% APR* |
| E |
Base Rate + 5.0% |
11.50% APR* |
11.75% APR* |
|
| ** Based on Total Loan
Amount |
Loan
Amount: |
Term: |
$35,000.00 |
Up To 180 Months |
$20,000.00 |
Up To 84 Months - 144 Months |
$18,000.00 |
Up To 72 Months |
$10,000.00 |
Up To 60 Months |
$5,000.00 |
Up To 48 Months |
Less Than $5,000.00 |
Up To 36 Months |
Exceptions
to term limits available - please call a loan representative. |
| |
 Rates quoted are best rates possible, please contact a C.U.
Rep.
Effective Date: January 10, 2013
Rates Subject To Change Without Notice. |
|
|
