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Consumer Loan Rates*
(Effective: January 1, 2010)
Program
Downpayment
Term
APR
Monthly Payments per $1000 borrowed
Auto & Trucks, Motorcycles New & Used
(Maximum loan $75,000. Minimum loan $2,500. Motorcycles minimum loan $1000. Model years 2004 –2010. 72-month term is for 2010 model year only. Rates are based on direct payment loans from SACU checking accounts. Add 1/4% for a non-direct payment loan.)
5%
12 months
4.000%
$85.15
5%
24 months
4.000%
$43.42
5%
36 months
4.000%
$29.52
5%
48 months
4.000%
$22.58
5%
60 months
4.250%
$18.53
5%
72 months
4.750%
$15.99
Boats and RVs
(Maximum Loan Amount $100,000.00. • Minimum Loan Amount $1,000.00.RATES ARE BASED ON DIRECT PAYMENT LOANS FROM SACU CHECKING ACCOUNTS - ADD 1/4% FOR NON-DIRECT PAYMENT LOAN. )
20%
48 months
6.500%
$23.72
20%
84 months
7.250%
$15.22
Equity Line of Credit
(APR based on Prime Rate as published in the Wall Street Journal minus 0.50% • Max rate 18%. Floor rate 4.00%• Max Loan Amount $500,000.00. • Min Loan Amount $7,500.00. • Homeowners Insurance is required. • 10 yr draw)
0%
300 months
4.000%
$3.28
Home Equity Fixed
(Homeowners Insurance required. • Maximum Loan Amount $500,000.00. Minimum Loan Amount $7,500.00. RATES ARE BASED ON DIRECT PAYMENT LOANS FROM SACU CHECKING ACCOUNTS - ADD 1/4% FOR NON-DIRECT PAYMENT LOAN. )
0%
60 months
5.000%
$18.87
0%
120 months
5.375%
$10.79
0%
180 months
5.750%
$8.30
Home Improvement
(Maximum Loan Amount $125,000.00.• Minimum Loan Amount $1,000.00 RATES ARE BASED ON DIRECT PAYMENT LOANS FROM SACU CHECKING ACCOUNTS - ADD 1/4% FOR NON-DIRECT PAYMENT LOAN. )
0%
60 months
5.750%
$19.22
0%
120 months
6.750%
$11.48
0%
240 months
7.750%
$8.21
Personal Loans/Member Business
(Maximum loan amount Personal - 30,000.00, Member Business -$15,000.00 • Minimum loan amount $250.00 RATES FOR PERSONAL LOANS/MEMBER BUSINESS ARE BASED ON DIRECT PAYMENT LOANS FROM SACU CHECKING ACCOUNTS - ADD 1/4% FOR NON-DIRECT PAYMENT LOAN.)
