Rates are based your individual credit score. We
obtain a credit report on you from TransUnion Credit Bureau. Your
credit performance is evaluated by a scoring system and a credit
score is created for you. The score is based on the amount of credit
you have, how you have paid your credit, and how long you have been
in the credit bureau file. These are just a few of the factors used
in determining your credit score. The higher the score you receive
the lower your interest rate will be. If you have any further questions
concerning our rates please contact
the loan department.
|
Description
|
Minimum
Amount
|
Maximum
Term
|
Annual
Percentage Rate
|
|
Vehicles
|
|
New & Used Vehicles
2008 – 2003 Models
|
up to 100% of
Purchase Price
|
24 Mos.
|
as
low as 5.50%*
|
|
up to 100% of
Purchase Price
|
36 Mos.
|
as
low as 5.75%*
|
|
up to 100% of
Purchase Price
|
48 Mos.
|
as
low as 6.00%* |
|
up to 100% of
Purchase Price
|
60 Mos.
|
as
low as 6.25%* |
|
Purchase Price
exceeding $18,000
|
72 Mos.
|
as
low as 6.50%* |
|
Boats & Motorcycles
|
|
New & Used Boats
& Motorcycles
|
up to 100% of
Purchase Price
|
60 Mos.
|
as
low as 6.75%*
|
|
Personal
|
|
Personal/Signature
|
$10,0000 Max
|
up to 36 Mos.
|
as
low as 10.00%*
|
|
Revolving Credit
|
$10,0000 Max
|
Open-End
|
as
low as 10.00%*
|
|
Visa Classic
|
up to $5,0000
|
Open-End
|
14.88%
|
|
Visa Platinum
|
$5,0000 &
above
|
Open-End
|
9.92%
|
|
Share Secured
|
100% of Shares
|
up to 84 Mos.
|
4.50%*
|
|
Share Certificate Secured
|
100% of Shares
|
< Certificate
Maturity Date
|
1%
+ BCCU Cert Rate
min. 5.00%
|
|
Real
Estate
|
|
1st & 2nd Mortgages
|
up to 95% of
appraised value
|
10-15 years
|
as
low as 6.75%*
*Call
Credit Union to apply
|
|
Home Equity
|
up to 95% of
appraised value
|
10-15 years
|
as
low as 6.25%*
|
|
* = Annual
Percentage Rate. Effective 07/01/2007, Prime
Rate is 7.50%. Rates are subject to change.
Members must meet credit requirements.
Individual rate based on borrower
qualifications. Shorter terms may be applicable
based on credit performance, model year of
vehicle and mileage of vehicle. Some rates
listed above are based on loan being paid via
payroll deduction.
|
