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Loan Rates Click Here for Savings Rates
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Rates effective as of: September 1, 2010
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Loan Type
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APR* as low as
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Maximum Term
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Maximum Loan Amount
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Loan Information
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New Vehicle
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3.49%**
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24 Months
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$60,000
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100% of purchase price including tax, license, and applicable insurance
(Minimum loan amount for 84 month term is $25,000)
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3.49%**
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36 Months
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$60,000
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3.49%**
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48 Months
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$60,000
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3.49%**
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60 Months
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$60,000
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4.99%**
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72 Months
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$60,000
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5.99%**
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84 Months
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$60,000
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Used Vehicle
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Up to 5 Model Years Old
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5.24%**
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60 Months
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$35,000
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100% current retail “Blue Book” and applicable insurance
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6-12 Model Years Old
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8.49%**
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48 Months
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$35,000
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Loan Type
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APR* as low as
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Maximum Term
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Maximum Loan Amount
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Loan Information
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Personal Line of Credit (Signature LOC)
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16.90%
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Revolving
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$10,000
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Based on monthly income
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Personal (Signature)
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10.75%**
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12 Months
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80% of monthly income
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12.25%**
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24 Months
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13.75%**
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36 Months
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Share Secured
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4.25% Variable (A)
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48 Months
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100% of secured share account balance
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Rate based upon highest Regular Share Rate plus 4.00%
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Loan Type
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APR* as low as
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Maximum Term
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Maximum Loan Amount
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Loan Information
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Visa Classic
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13.90%
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Revolving
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$7,500
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Visa Gold
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9.90%
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Revolving
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$20,000
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Visa Share Secured
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15.90%
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Revolving
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100% of secured share account balance
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Loan Type
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APR* as low as
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Maximum Term
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Maximum Loan Amount
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Loan Information
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Second Mortgage
(owner occupied)
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7.50%
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180 Months
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$150,000
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80% of appraised value less first mortgage balance. Minimum loan amount is $10,000
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Second Mortgage
(non-owner occupied)
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8.50%
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180 Months
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$50,000
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75% of appraised value less first mortgage balance. Minimum loan amount is $10,000
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Home Equity Line of Credit
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Variable (B)
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120 Month Draw Period
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$150,000
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80% of appraised value less first mortgage balance. Minimum loan amount is $10,000
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Loan Type
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APR* as low as
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Maximum Term
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Maximum Loan Amount
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Loan Information
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Motor Home (New)
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8.74%**
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96 Months
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$65,000
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80% of total purchase price, including tax and license.
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Motor Home (Used)
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9.74%**
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84 Months
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$50,000
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80% of current retail “Blue Book” and applicable insurance
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Camper/Trailer (New)
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8.74%**
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60 Months
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$20,000
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80% of total purchase price, including tax and license.
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Camper/Trailer (Used)
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9.74%**
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60 Months
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$20,000
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80% of current wholesale “Blue Book” or appraisal including tax and license.
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Boat (New)
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8.74%
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84 Months
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$35,000
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80% of total purchase price, including tax and license.
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Boat (Used)
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9.74%
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72 Months
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$25,000
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80% of current wholesale “Blue Book” or appraisal including tax and license.
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Return to top
*APR=Annual Percentage Rate
**Annual Percentage Rates displayed are for level 1 credit scores and include a maximum discount of up to 1.00% off our standard rate or a floor rate of 3.49%. Maximum term of up to 66 months. Up to 1.00% discount is based on a multiple of approved discounts of .25% as promoted in our " Green" loan. For a complete list contact My Credit Union. Individual rates may differ based on credit scoring criteria and repayment method. Promotional rate does not apply to 48 mo. older used cars of 6 to 12 years old.
Rates and terms offered are subject to changes at any time.
(A) Shared Secured Loan variable rate is based on highest Regular Share rate plus 4.00%.
(B) Home Equity Line of Credit variable rate may change at any time. The index is based on the Wall Street Journal (WSJ) Prime rate minus 0.25%. The minimum rate shall not be less than 5.00% APR, the maximum rate shall not exceed 18.00% APR. Prime rate as of 12/16/08 = 3.25% |
