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Revised 2/25/08 - Effective 03/01/08
Other Advances
Personal/Signature (Revolving Credit, Home Improvements, Overdraft Protection, Computer Loan) - up to 60 month terms. |
| Score |
Grade of Paper |
Rates |
Credit Card Rates |
| 730+ |
Platinum |
9.25% |
9.25% |
| 680 - 729 |
A |
11.25% |
9.25% |
| 640 - 679 |
B |
13.25% |
12.25% |
| 600 - 639 |
C |
15.50% |
15.50% |
| 550 - 599 |
D |
18.00% |
18.00% |
| 549 or less |
E |
18.00% |
18.00% |
Secured Advances
New and Used Autos, ATV's, Campers*, Motorcycles, Motor Homes*, Farm Equipment, Travel Trailers*, Watercrafts, Stocks, Aircrafts and Mobile Homes* |
| Score |
Grade of Paper |
Terms/Rates |
| |
|
24 mo |
36 mo |
48 mo |
60 mo |
72 mo |
84 mo |
| 730+ |
Platinum |
5.00% |
5.25% |
5.50% |
5.75% |
6.00% |
6.25% |
| 680 - 729 |
A |
5.50% |
5.75% |
6.00% |
6.25% |
6.50% |
6.75% |
| 640 - 679 |
B |
6.75% |
7.00% |
7.25% |
7.50% |
7.75% |
8.00% |
| 600 - 639 |
C |
9.25% |
9.50% |
9.75% |
10.00% |
10.25% |
10.75% |
| 550 - 599 |
D |
12.25% |
12.50% |
12.75% |
13.00% |
13.25% |
n/a |
| 549 or less |
E |
17.25% |
17.50% |
17.75% |
18.00% |
n/a |
n/a |
*Motor Homes/Travel Trailers/Campers - Platinum/A/B grades of paper are eligible for terms up to 10 years at 90% LTV on balances $30,000.00 and greater. The interest rate will increase by .25% for each year after the stated rate for 84 months.
*All auto loans .25% discount given upon approval
**Other reward discounts available - contact Credit Union for more details.
*Mobile Home terms may go up to 180 months depending on the credit score.
Share Secured - 2% above the dividend paid on pledged certificate.
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