 |
Effective October 1, 2007
| Loan Rates | Terms | APR* |
| Vehicle Secured | ||
|
New Vehicle (2006-2007) |
Up to 105% financing, up to 84 months (to qualify for 84 month financing value must be greater than $25,000) |
as low as 6.25% on 60 month term as low as 6.50% on 72 month term as low as 6.75% on 84 month term |
|
Used Vehicle (2005 & Older) |
Up to 110% financing, up to 84 months (to qualify for 84 month financing value must be greater than $25,000) |
as low as 6.25% on 60 month term as low as 6.50% on 72 month term as low as 6.75% on 84 month term |
|
RVs, Boats, & Motorcycles |
100% financing, |
as low as 8.25% |
| Street Legal Motorcycle |
100% financing, up to 60 months |
as low as 7.25% |
| Motorhomes |
100% financing, |
as low as 8.99% |
| Deposits Secured | ||
| Share Loan | Secured By Shares | Share Rate + 3% |
| Certificate Loan | Secured By Share Certificates | Certificate Rate + 3% |
| Unsecured | ||
| Personal | Terms up to 60 months |
As low as 12.75% on 36 month term as low as 13.25% on 60 month term |
| Card Rates | ||
| Visa Gold | Fixed Rate | 12.15% |
| Visa Classic | Fixed Rate | 14.15% |
| Visa Overdraft Line of Credit | Attached to Debit Card | 18.00% |
| Real Estate Secured Effective October 1, 2007 |
||
| First Mortgage**** |
Up to 360 Months | Please contact Member Service Representative at 303.628.5900 |
| Second Mortgage (80% LTV)**** |
Up to 180 Months | as low as 8.25% on 60 month term as low as 8.50% on 120 month term as low a 8.75% on 180 month term |
|
Second Mortgage (90% LTV)**** |
Up to 180 Months |
as low as 8.75% on 60 month term as low as 9.00% on 120 month term as low a 9.25% on 180 month term |
|
Home Equity Line of Credit (HELOC) |
Variable Tied to the Prime Rate |
as low as the prime*** |
| Investment/Second Home Mortgage also available | ||
Rates subject to change
APR = Annual Percentage Rate
FHA = Federal Housing Authority
*Your APR will depend on your credit history and the terms of your loan
** The Annual Percentage Rate is subject to change on the first day of each quarter
(January, April, July, October) to reflect any change in the Index as published in
The Wall Street Journal, ten days before the date of annual percentage rate adjustment.
*** Prime as of 10/01/07 is 7.25%, contact us for actual rate.
**** Rates based on quoted LTV and Owner Occupied Property.
Please contact us (mortgages@usalliancecu.org) for further details.
