|
 |
 |
Loan Rates
For More Loan Information Call (530) 668-2700.
Rates effective as of October 1, 2004.
Rates are subject to change. Please check with your local branch.
|
| Loan Programs |
Terms |
APR |
Current Index |
Index Factor |
|
Call-4-Cash - Variable (Note 2)
|
|
12.75% |
4.75% |
8.00% |
|
Share Secured - Fixed (Note 3)
|
|
5.00% (5 Yrs.) 6.00% (10 Yrs.) |
N/A |
N/A |
|
Share Certificate Secured (Note 3)
|
|
3% Above Certificate Rate |
N/A |
N/A |
|
Fixed Rate Security Loans
|
|
|
|
|
|
| PLATINUM |
|
New Auto |
Used Auto |
RV, Travel Trailer |
Boat, Motorcycle |
| |
36 MONTHS |
3.99% |
4.19% |
6.45% |
9.45% |
| |
48 MONTHS |
3.99% |
4.19% |
6.75% |
9.75% |
| |
60 MONTHS (Note 5) |
3.99% |
4.34% |
7.00% |
10.00% |
| |
72 MONTHS (Note 5) |
4.84% |
5.29% |
7.25% |
10.25% |
| |
84 MONTHS (Note 5) |
5.54% |
5.89% |
7.50% |
10.50% |
| GOLD |
|
New Auto |
Used Auto |
RV, Travel Trailer |
Boat, Motorcycle |
| |
36 MONTHS |
4.99% |
5.19% |
7.45% |
10.45% |
| |
48 MONTHS |
4.99% |
5.19% |
7.75% |
10.75% |
| |
60 MONTHS (Note 5) |
4.99% |
5.34% |
8.00% |
11.00% |
| |
72 MONTHS (Note 5) |
5.84% |
6.29% |
8.25% |
11.25% |
| |
84 MONTHS (Note 5) |
6.54% |
6.89% |
8.50% |
11.50% |
| SILVER |
|
New Auto |
Used Auto |
RV, Travel Trailer |
Boat, Motorcycle |
| |
36 MONTHS |
8.95% |
9.80% |
10.45% |
12.45% |
| |
48 MONTHS |
9.25% |
10.10% |
10.75% |
12.75% |
| |
60 MONTHS (Note 5) |
9.50% |
10.35% |
11.00% |
13.00% |
| |
72 MONTHS (Note 5) |
10.00% |
10.85% |
11.25% |
13.25% |
| |
84 MONTHS (Note 5) |
10.50% |
11.35% |
11.50% |
13.50% |
| BRONZE |
|
New Auto |
Used Auto |
RV, Travel Trailer |
Boat, Motorcycle |
| |
36 MONTHS |
13.70% |
13.90% |
15.50% |
15.50% |
| |
48 MONTHS |
14.00% |
14.20% |
15.50% |
15.50% |
| |
60 MONTHS (Note 5) |
14.25% |
14.45% |
15.50% |
15.50% |
| |
72 MONTHS (Note 5) |
14.75% |
14.95% |
15.50% |
15.50% |
| |
84 MONTHS (Note 5) |
15.25% |
15.45% |
15.50% |
15.50% |
| BRONZE+1 |
|
New Auto |
Used Auto |
RV, Travel Trailer |
Boat, Motorcycle |
| |
36 MONTHS |
14.70% |
14.90% |
16.50% |
16.50% |
| |
48 MONTHS |
15.00% |
15.20% |
16.50% |
16.50% |
| |
60 MONTHS (Note 5) |
15.25% |
15.45% |
16.50% |
16.50% |
| |
72 MONTHS (Note 5) |
15.75% |
15.95% |
16.50% |
16.50% |
| |
84 MONTHS (Note 5) |
16.25% |
16.45% |
16.50% |
16.50% |
PC Loan - Fixed
|
|
|
|
|
|
| |
Term |
Rate |
|
|
|
| Platinum |
24 Months |
10.9% |
|
|
|
| Gold |
24 Months |
11.9% |
|
|
|
| Silver |
24 Months |
12.9% |
|
|
|
Mortgage Loans
|
|
|
|
|
|
| Wide variety of Mortgage Loans available, with terms up to 30 years.Competitive Fixed and Variable Rates available. For more information regarding Mortgage Loans call Donna Riggins at 530-669-6306 |
Credit Card Programs
|
|
|
Current Index |
Index Factor |
|
| VISA Classic |
No Annual Fee (Note 4) |
13.90% Fixed |
|
|
|
| VISA Gold |
No Annual Fee (Note 4) |
9.50% Variable (Note 2) |
1.50% |
8.00% |
|
Grace Period On Purchases = 25 days
Late Fees = $15.00
Computation of Balance on Average Adjusted Daily Balance
No minimum finance charge
No transaction fee for purchase
Over credit limit fee=$10 |
|
Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may
not apply to every borrower, and
the higher rates may be charged to other borrowers depending on their credit
qualifications. A member's
creditworthiness will determine the maximum amount financed, the maximum term
and the category of rate for which
the member qualifies. A member's creditworthiness will be based, for example, on
factors such as debt to income
ratios, credit history, employment, etc. For additional details regarding a
specific category, please consult a
credit union financial services officer.
Note 1 - APR = Annual Percentage Rate.
Note 2 - Variable Rate Disclosure: The Annual Percentage Rate on all
variable rate advances will be adjusted on
the fifteenth day of each calendar quarter as changing money market conditions
warrant. The rate is indexed to
the previous quarter's average of the 6 month treasury bill rate rounded up to
the nearest 1/4% (one quarter
percent) and the applicable percentage factor disclosed above is added to the
index. Any increase or decrease in
the A.P.R. will take form of more or fewer payments in the same amount. The
A.P.R. will not exceed the rate
permitted under the Federal Credit Union Act. If this index or the source ceases
to exist, the Credit Union will
use a similar or substitute index.
Interest Rates: All interest rates are expressed as an Annual Percentage Rate.
All Auto, RV, Boat and
Motorcycle loan rates shown above include a 1.50% discount for required
automatic payment or payroll deduction.
Without it, add 1.50% to the above rates. Loan rates and terms are subject to
conditions, and may change without
notice.
Note 3 - Maximum Amount Financed: Loans secured by deposits in the credit
union shall be limited to 95% of the
amount available on deposit in the members account.
Note 4 - No Annual Fee at the present time. An annual fee of $12.00 (for
Classic and Gold) may be assessed at a
later time as disclosed in the agreement.
Note 5 - For New or Used cars only, the following applies: Minimum loan
amount for 60 months term is $5,000. Minimum loan amount for 72 months term is
$15,000. Minimum loan amount for 84 months term is $20,000. For New or Used RV,
Boat, or Mortorcycle, the following applies: Minimum loan amount for 60 months
term is $10,000. Minimum loan amount for 72 months term is $20,000. Minimum
loan amount for 84 months term is $25,000.
 |
Financial Helpers
Use our handy Loan Calculators:
|
|
|
