Loan Rates
|
Loan Rates and Terms |
||
|
Vehicle (New) 60 Months or less 72 Months 84 Months |
5.49% - 15.00% 5.99% - 15.50% 6.49% - 16.00% |
|
|
Vehicle (Used) 60 Months or less 72 Months 84 Months Boats/RVs/Motorcycles |
|
6.49% - 17.00% 6.99% - 17.50% 7.49% -18.00% 8.00% - 20.00% |
| Share Secured | 3% over rate paid or pledged shares (Regular or term shares only) | |
| Personal (Signature) | 10.00% - 20.00% | |
| Limit based on Credit Matrix | ||
| Personal Line of Credit (PLC) | 10.00% - 20.00% | |
| The monthly payment is $35.00 per $1,000 of outstanding balance, and is automatically transferred from your checking account on the 21st of each month. | ||
| Advance Pay Day Loan (APL) | 12.00% | |
| Home Equity Line of Credit: |
Five, Ten, and Fifteen Year Loans Available |
|
| Visa Credit Card | Visa Credit Card Disclosure | |
|
Click here to calculate payment examples. *The ANNUAL PERCENTAGE RATE you receive for each sub account will be within the ranges disclosed and is based on certain creditworthiness criteria. Please ask the credit union for the rate at which you qualify. |
||
AUTO PAYMENT DISCOUNT: A .25% rate discount will be taken for payments on new loans made by payroll deduction or auto transfer. Your rate will increase by .25% if you discontinue payroll deduction or auto transfer payments. PLC, rate match, APL, and share secured loans do not apply.ADVANCE PAYDAY LOAN: Employer's direct deposit is required. $15.00 periodic fee per Month . Payments vary depending on balance. 25.00 is deposited into a special savings account on each advance, frozen until account balance equals $500.00.FILING FEES: If you give a security interest in certain types of property, other than your home, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.CROSS COLLATERALIZATION: Property given as security for any advance under the LOANLINER Credit and Security Agreement, also referred to as the Plan, will secure all other amounts you owe under the Plan or under any other Agreement with us now or in the future. However, if you have given your dwelling as security for a loan with us, that dwelling will not secure an advance made under the Plan.FAILURE TO RETURN A MOTOR VEHICLE SUBJECT TO A SECURITY INTEREST: It is unlawful to fail to return a motor vehicle subject to a security interest within 30 days after receiving notice of default. A Notice to Surrender will be sent by certified mail to the owner at the address on the loan agreement. It is the responsibility of the owner to keep the address current. Failure to comply with the Notice to Surrender within 30 days is a Class 6 Felony under A.R.S. 13-1813 and carries a maximum penalty of imprisonment for one year.A late charge of 20% of the outstanding interest will be charged on loan payments more then 5 days past due, not to exceed $15.00 on loans under the open-end plan, $25.00 on HELOCS. |
||
