Great Loans

Credit Union

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Car Loans at Great Rates!

 

Rates and terms subject to change. Accurate as of May, 2005.
Truth-In-Lending Disclosure  

Vehicle Loans: (No down payment if qualified)

Terms

Annual Percentage Rate

2005 and newer

up to 24 months

2.99%

2005 and newer

 36 months

3.99%

2004 and newer

48 to 60 months

4.99%

2000 to 2004 car 48 to 60 months

5.75%

2000 to 2004 car up to48 months

4.75%

2006 Truck or SUV

up to 72 months

5.99%

2000 and newer Truck or SUV

up to 84 months

6.99%

1994 to 1999

up to 48 months

6.99%

1993 & older model year vehicles
(up to 75% of appraised value)

up to 48 months

8.99%

Recreational Vehicles:
(No down payment if qualified)

Terms

Annual Percentage Rate

Motor Homes, Travel Trailers, Campers, Snowmobiles, Boats, Motorcycles, Personal Watercraft, 4-Wheelers
(can be written as a balloon note with a minimum of $10,000)

 

up to 60 months

5.99%

 

up to 60 month balloon

5.99%

New

up to 120 months

6.90%

Used (previously titled)

up to 120 months

7.90%

Other Personal Property (Computers, etc.)

 

Terms

Annual Percentage Rate

36 months

10.25%

  Heavy Equipment

 

Terms

Annual Percentage Rate

36 months

14.00%

  Share Pledge Loans (May be written as a balloon note)

 

Terms

Annual Percentage Rate

up to 24 months

5.00%

up to 60 months

6.00%

Unsecured Loans/Personal Loans (Limits set by policy)

Terms

Annual Percentage Rate

up to 24 months

12.00%

up to 36 months

13.00%

up to 48 months

14.00%

up to 60 months

15.00%

Education Loans

Terms

Annual Percentage Rate

up to $ 3,500; 24 months

10.00%

VISAŽ cards

 

Card

Terms

Annual Percentage Rate

VISAŽ

up to $ 10,000; open-end line of credit

12.6%

VISAŽ Share Secured

up to $ 10,000; open-end line of credit

7.75%

First Mortgages (Limits set by policy)*

Terms

Annual Percentage Rate

3-year balloon, 30-year amortization, zero points, 80% LTV

3.990%

5-year balloon, 30-year amortization, zero points, 80% LTV

4.750%

7-year balloon, 30-year amortization, zero points, 80% LTV

5.250%

10-year balloon, 30-year amortization, zero points, 80% LTV

5.750%

Member First Mortgage loan products, including fixed rate mortgages

Current Rates

     * (member pays closing costs) (rates higher for LTV over 80%)  
Second Mortgages/Home Equity Loans
(Closed ended, 1 time draw)

Terms

Annual Percentage Rate

5-year balloon, 30-year amortization, zero points, 80% LTV

6.25%

7-year balloon, 30-year amortization, zero points, 80% LTV

6.75%

(member pays closing costs)

  Home Equity Lines of Credit (Open ended)

Terms

Annual Percentage Rate

Prime rate plus zero, adjusted quarterly, up to 90% LTV

4.00%

(credit union pays closing costs)

  Land Loans (Closed ended)

Terms

Annual Percentage Rate

2-year balloon, 15-year amortization, zero points, up to 85% LTV

6.50%

(member pays closing costs)

  Certificate Pledged (Closed ended)

Terms

Annual Percentage Rate

not to exceed CD maturity date; 2% above CD rate

minimum 5.00%

Overdraft line of credit (Closed ended)

Terms

Annual Percentage Rate

up to $2,000; open-end line of credit

15.00%