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Anticipated rates are current as of October 28, 2011, and remain in effect. Rates are subject to change without notice.
Your Annual Percentage Rate is determined by your specific credit history. Your specific Interest Rate and APR rate will be disclosed to you at the time of the loan advance. Interest rate ranges disclosed below are risk-based for each loan type and loan term based on approved credit (O.A.C).
APR = Annual Percentage Rate, LTV = Loan to Value
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Loan
Products
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LTV
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Maximum
Term
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Low
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High
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<
80%
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72M
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3.49%
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13.75%
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New
Auto
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>
80%
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72M
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3.65%
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13.90%
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|
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<
80%
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72M
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4.49%
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13.75%
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Used
Auto
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>
80%
|
72M
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4.65%
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13.90%
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|
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<
80%
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120M
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5.10%
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15.35%
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Recreational
Vehicles
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>
80%
|
120M
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5.25%
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15.50%
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<
80%
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48M
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5.25%
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15.30%
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Other
Secured 80%
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>
80%
|
48M
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5.40%
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15.45%
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Unimproved
Property
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80%
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120M
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7.25%
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14.35%
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Home
Equity Fixed Rate
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80%
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180M
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6.00%
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8.95%
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Home
Investment
|
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84M
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7.00%
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11.00%
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Unsecured
Signature
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48M
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8.20%
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17.20%
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Line
of Credit - Timeline
|
|
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10.50%
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16.50%
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VISA
|
|
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9.90%
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15.20%
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Share Secured Loans - The annual Percentage Rate (APR) will be the dividend rate being paid on the regular shares (index) plus 3.0%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The current APR will be disclosed on the voucher at the time of the advance.
Share Certificate Secured - The annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (index) plus 3.0%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. The current APR will be disclosed on the voucher at the time of the advance.
Attention Home Improvement Loan for allowable "Green" purposes - Energy Star appliances, high efficiency windows, high efficiency heat pumps, solar panels, renewable fiber carpets/flooring, reclaimed lumber, renewable/natural source countertops, catch barrels/rain gardens, renewable/natural source insulation, solar water heater systems.
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