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The State Credit Union Loan Rates Effective 2/1/2013
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| LOAN TYPE |
ANNUAL PERCENTAGE RATE |
TERM |
| NEW AUTOMOTIVE |
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1.99% to 9.99% |
36 |
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2.99% to 9.99% |
48 |
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2.99% to 9.99% |
60 |
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3.49% to 9.99% |
66 |
|
3.99% to 9.99% |
72 |
| PRE-OWNED AUTOMOTIVE *As Term Increases The Rate Increases (lowest rate matches shortest term) |
| Models 2012-2013 |
2.99% to 9.99% |
36-66 |
| Models 2011 |
3.49% to 9.99% |
36-60 |
| Models 2010 |
3.99% to 9.99% |
36-60 |
| Models 2009-2007 |
4.24% to 9.99% |
36-54 |
| Models 2006 |
4.99% to 9.99% |
36 |
| NEW BOATS, RV'S, MOTORCYCLES & TRAVEL TRAILERS OVER 18 FEET |
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4.49% to 11.49% |
36 |
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4.99% to 11.74% |
48 |
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5.99% to 11.99% |
60 |
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6.49% to 11.99% |
60+ |
| PRE-OWNED BOATS, RV'S, MOTORCYCLES & TRAVEL TRAILERS UP TO 18 FEET |
|
5.99% to 11.99% |
30 |
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6.24% to 11.99% |
48 |
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7.24% to 11.99% |
48+ |
| NEW JET SKI'S, ATV'S & TRAVEL TRAILERS UP TO 18 FEET |
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5.99% to 11.24% |
36 |
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6.49% to 11.49% |
48 |
| PRE-OWNED JET SKI'S, ATV'S & TRAVEL TRAILERS UP TO 18 FEET |
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7.24% to 11.99% |
24 |
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7.99% to 11.99% |
36 |
| OTHER LOANS (Minimum loan amount is $200.00) |
| Share Secured |
4.00% |
- |
| Share Certificate |
2.00% Above Credit Union CD APY |
| Vacation/Christmas |
5.00% to 18.00% |
12-15 |
| Line of Credit/Share Draft OD/Signatures |
10.00% to 18.00% |
- |
| Visa Credit Card - No Annual Fee |
15.00% |
- |
| HOME EQUITY LOANS |
| 5 Year 1st Lien |
2.99% to 5.99% |
- |
| 10 Year 1st Lien |
3.99% to 6.99% |
- |
| 5 Year Balloon 1st Lien |
3.49% to 4.99% |
20 yr Max |
| 10 Year Balloon 1st Lien |
5.49% to 6.99% |
20 yr Max |
| Home Equity Lines of Credit (Adjusted Quarterly) |
Prime + or - (call for details) |
- |
| LOAN TYPE |
ANNUAL PERCENTAGE RATE |
TERM |
| NEW AUTOMOTIVE |
|
1.99% to 9.99% |
36 |
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2.99% to 9.99% |
48 |
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2.99% to 9.99% |
60 |
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3.49% to 9.99% |
66 |
|
3.99% to 9.99% |
72 |
| PRE-OWNED AUTOMOTIVE *As Term Increases The Rate Increases (lowest rate matches shortest term) |
| Models 2012-2013 |
2.99% to 9.99% |
36-66 |
| Models 2011 |
3.49% to 9.99% |
36-60 |
| Models 2010 |
3.99% to 9.99% |
36-60 |
| Models 2009-2007 |
4.24% to 9.99% |
36-54 |
| Models 2006 |
4.99% to 9.99% |
36 |
| NEW BOATS, RV'S, MOTORCYCLES & TRAVEL TRAILERS OVER 18 FEET |
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4.49% to 11.49% |
36 |
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4.99% to 11.74% |
48 |
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5.99% to 11.99% |
60 |
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6.49% to 11.99% |
60+ |
| PRE-OWNED BOATS, RV'S, MOTORCYCLES & TRAVEL TRAILERS UP TO 18 FEET |
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5.99% to 11.99% |
30 |
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6.24% to 11.99% |
48 |
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7.24% to 11.99% |
48+ |
| NEW JET SKI'S, ATV'S & TRAVEL TRAILERS UP TO 18 FEET |
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5.99% to 11.24% |
36 |
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6.49% to 11.49% |
48 |
| PRE-OWNED JET SKI'S, ATV'S & TRAVEL TRAILERS UP TO 18 FEET |
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7.24% to 11.99% |
24 |
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7.99% to 11.99% |
36 |
| OTHER LOANS (Minimum loan amount is $200.00) |
| Share Secured |
4.00% |
- |
| Share Certificate |
2.00% Above Credit Union CD APY |
| Vacation/Christmas |
5.00% to 18.00% |
12-15 |
| Line of Credit/Share Draft OD/Signatures |
10.00% to 18.00% |
- |
| Visa Credit Card - No Annual Fee |
15.00% |
- |
| HOME EQUITY LOANS |
| 5 Year 1st Lien |
2.99% to 5.99% |
- |
| 10 Year 1st Lien |
3.99% to 6.99% |
- |
| 5 Year Balloon 1st Lien |
3.49% to 4.99% |
20 yr Max |
| 10 Year Balloon 1st Lien |
5.49% to 6.99% |
20 yr Max |
| Home Equity Lines of Credit (Adjusted Quarterly) |
Prime + or - (call for details) |
- |
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