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New &
Used Cars & Trucks We finance 100% of the selling price of new cars and
trucks, and finance the NADA
trade in value for used vehicles.
Life and disability insurance protection
available. If you are shopping for a new vehicle, we can
pre-approve your loan.
Same rates for boats, campers, 4
wheelers, and other recreational vehicles. Actual
interest rates on all loans except real estate loans will be
determined by Beacon Score.
All vehicles purchased within 180 days
or demos with less than 20,000 miles will receive the new
car rates.
GAP Insurance -(Available May 1, 2007)
For your protection, we now offer GAP Insurance at a low
cost, on all auto and boat loans. If your vehicle is
stolen or totaled in an accident, this insurance will pay
the difference between the balance owed and the amount
settled by your car insurance company. Call for additional
information.
Personal Loans
You can borrow up to $10,000.00 unsecured based on your credit report and debt ratio.
Amount |
Annual Percentage
Rate |
Months |
above $2,000 |
10.00 |
up to 60
months |
|
less than
$2,000 |
14.00 |
up to 60
months |
Home Equity & Land Loans
We finance 80% of the appraised value of your home minus the First Mortgage balance.
The interest rate is Prime Variable with a minimum of
8.00%. Rate is subject to change
monthly. Member pays all closing cost.
Zero equity loans available at
7.25% fixed rate, with closing costs of only $200.00 for 72
months.
Loan |
Rate |
Term |
|
Home Equity |
Prime Rate
Variable |
15 Years |
|
Land Loan |
Prime Rate
Variable |
10 Years |
|
New Car Rates
**Beacon Score of 720+ rates will be 4.75% to 5.75%
|
Annual Percentage Rate |
Months |
|
|
5.50 |
up to 48 months |
|
|
6.00 |
up to 60 months |
|
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6.50 |
up to 72 months |
|
Used Car Rates
Year |
Annual Percentage
Rate |
Months |
|
2008-2005 |
6.75 |
60 |
|
2004-2001 |
7.00 |
48 |
|
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|
Computer
Loan |
8.00 |
24 |
|
Tuition Loan |
8.00 |
12 |
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72 Month Term available on used year models 2006-2008
when financing $18,000 or more. |
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SPECIAL LOAN
PROMOTION -RATES ON NEW VEHICLES 4.75%-5.75% FOR BEACON SCORES OF 720 OR
HIGHER - CALL CREDIT UNION FOR DETAILS