| Loan
Rates |
|
TYPE |
INTEREST RATE (APR) |
MAXIMUM TERM |
COLLATERAL |
MAXIMUM AMOUNT |
|
SIGNATURE OR REVOLVING |
8.3% up to 15.5% Loan application must be completed to quote rate |
72 MONTHS |
SIGNATURE |
ACCORDING TO SIGNATURE LOAN POLICY |
|
SPECIAL LOAN PROMOTIONS (BACK TO SCHOOKL, VACATION, CHRISTMAS) |
Rate detrmined by Board of Directors prior to promotion. Limited promotional period. Contact CU for additional information. |
UP TO 12 MONTHS |
SIGNATURE |
DETERMINED BY BOARD OF DIRECTORS PRIOR TO PROMOTION |
| TUITION | 7.5% |
12 MONTHS
|
SIGNATURE
|
100% OF SCHOOL FEE STATEMENT |
| NEW AUTO | 5.35% up to 13.1% Loan application must be completed to quote rate |
72 MONTHS
|
AUTOMOBILE
|
100% OF PURCHASE AMOUNT |
|
USED AUTO |
6.35% up to 15.1 Loan application must be completed to quote rate |
72 MONTHS |
AUTOMOBILE |
100% OF PURCHASE PRICE |
|
NEW BOAT,TRACTOR, |
6.35% up to 15.1% Loan application must be completed to quote rate |
72 MONTHS |
BOAT, TRACTOR, MOTORCYCLE,OR TRAILER |
100% OF PURCHASE PRICE UP TO $40,000 |
|
USED BOAT, TRACTOR, |
7.85% up to 14.6% Loan application must be completed to quote rate |
72 MONTHS |
BOAT, TRACTOR,MOTORCYCLE, OR TRAILER |
100% OF PURCHASE PRICE UP TO $40,000 |
|
SHARE SECURED |
1% ABOVE HIGHEST RATE BEING PAID |
72 MONTHS |
SHARES |
SHARE BALANCE |
|
STOCK |
5.5% |
12 MONTHS |
STOCK * |
75% CURRENT MARKET VALUE |
|
VISA CLASSIC |
11.9% Up to 16% |
2% OUTSTANDING |
SIGNATURE |
UP TO $10,000 |
|
VISA GOLD |
9.2% up to 14.5% + Cash Back ** |
2% OUTSTANDING BALANCE/$5.MIN |
SIGNATURE |
UP TO $25,000 |
|
VISA PLATINUM |
8.5% up to 13.5% + Scorecard Bonus Points |
2% OUTSTANDING |
SIGNATURE |
UP TO $25,000 |
|
RATES ARE SUBJECT TO CHANGE WITHOUT
NOTICE. OTHER GUIDELINES MAY APPLY.
|
| ** See cash back grid | ***Over $250,000 need Board approval |
| * Stock must be traded on the NY Stock Exchange or the American Stock Exchange |
| *************Signature or Revolving Loan Maximum Eligibility Grid********* |
|
YEARS
|
ANNUAL SALARY (Thousands) $ 10-35 $35-50 $50-70 $70-+
MAXIMUM ELIGIBILITY |
MAXIMUM TERM |
|
1-5 YR |
5000 7000 10000 15000 |
48 MO |
|
6-10 YR |
6000 10000 15000 20000 |
72 MO |
|
10-20 YR |
8000 15000 18000 22000 |
72 MO |
|
20 + YR |
10000 18000 20000 25000 |
72 MO |
| In addition to annual salary and years of service, maximum eligibility is based on credit worthiness. |
| **************************CASH BACK GRID****************************** |
|
YEARLY PURCHASES
|
CASH BACK BONUS
|
|
Over |
Up to |
|
|
$0 |
$1,000 |
.25% |
|
$1,000 |
$2,000 |
.50% |
|
$2,000 |
$3,000 |
.75% |
|
$3,000 |
1.00% |
|
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