Rates & Fees
RISK BASED LENDING GRID - EFFECTIVE JANUARY 19, 2012
| |
|
FICO SCORE using TRANS Union |
| Loan Type |
Term |
574 or Less |
575 - 650 |
651- 699 |
700 - 750 |
751 plus |
| New Vehicles |
up to 6 years |
13.90% |
9.90% |
6.90% |
5.75% |
4.75% |
| |
up to 5 years |
12.90% |
8.90% |
5.90% |
4.75% |
3.75% |
| |
up to 4 years |
3.75% |
2.75% |
| |
up to 3 years |
2.75% |
1.75% |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Used Vehicles |
up to 6 years |
14.90% |
10.90% |
7.90% |
5.75% |
4.75% |
| |
up to 5 years |
13.90% |
9.90% |
6.90% |
4.75% |
3.75% |
| |
up to 4 years |
3.75% |
2.75% |
| |
up to 3 years |
2.75% |
1.75% |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Home Equity |
5 Years or Less |
8.90% |
7.90% |
6.90% |
5.90% |
4.90% |
| |
Over 5 Years |
9.90% |
8.90% |
7.90% |
6.90% |
5.90% |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Signature Loan |
Min Payment |
16.90% |
15.90% |
11.90% |
10.90% |
9.90% |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Spec Sig Loan |
1 Year |
12.90% |
11.90% |
9.90% |
8.90% |
7.90% |
| |
2 Years |
13.90% |
12.90% |
10.90% |
9.90% |
8.90% |
| |
3 Years |
14.90% |
13.90% |
11.90% |
10.90% |
9.90% |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Other |
Secured or Unsecured. Usually 6 months or less. |
| |
|
14.90% |
11.90% |
9.90% |
8.90% |
7.90% |
| Shared Secured |
up to 5 years |
Rate figured at 3% above rate earned on share or cert securing loan. |
| |
|
574 or Less |
575 - 650 |
651 - 699 |
700 - 750 |
751 plus |
| Prem. Consolidation |
up to 5 years |
Not Available |
Not Available |
Not Available |
8.90% |
7.90% |
| Signature Only |
Note: Total unsecured loans can not exceed $15,000.00 to one member. |
Mortgage Rates
Note: Call the Credit Union for availability
| Terms |
Score 650 +
Max LTV 75% |
Score 675 +
Max LTV 80% |
Score 700 +
Max LTV 90% |
Score 750 +
Max LTV 95% |
| 15 Year Fixed |
5.25% |
5.00% |
4.75% |
4.50% |
| 20 Year Fixed |
5.30% |
5.05% |
4.80% |
4.65% |
| 25 Year Fixed |
5.45% |
5.20% |
4.95% |
4.80% |
| 30 Year Fixed |
5.49% |
5.24% |
4.99% |
4.95% |
Savings Account Rates
| Savings |
Dividend Rate |
APY* |
| Common Shares (Up to $9,999.99) |
0.20% |
0.20% |
| Common Shares (Up to $19,999.99) |
0.30% |
0.30% |
| Common Shares ($20,000.00>) |
0.40% |
0.40% |
| Special Shares (Club Accounts) |
0.20% |
0.20% |
| IRA Shares |
1.00% |
1.00% |
Certificate Rates
| Certificates |
Minimum Balance |
Dividend Rate |
APY* |
| 6 Month Certificate |
$2500 |
0.35% |
0.35% |
| 12 Month Certificate |
$2500 |
0.55% |
0.55% |
| 24 Month Certificate |
$2500 |
0.65% |
0.65% |