St. Anne's Credit Union









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Consumer Loan Rates*
(Effective: March 1, 2013)
Program
 		Downpayment
 		Term
 		APR
 		Monthly Payments
per $1000 borrowed
New Autos & Trucks
(Maximum loan $100,000. Minimum loan $2,500. Maximum term 72 months. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment. )
0%
 12 months
2.990%
 $84.69
0%
 24 months
2.990%
 $42.98
0%
 36 months
2.990%
 $29.08
0%
 48 months
2.990%
 $22.13
0%
 60 months
3.240%
 $18.08
0%
 72 months
3.990%
 $15.64
Used Autos & Trucks
(Maximum loan $100,000. Minimum loan $2,500. Model years 2009 – 2013. Maximum term of 60 months. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment.)
0%
 12 months
2.990%
 $84.69
0%
 24 months
2.990%
 $42.98
0%
 36 months
2.990%
 $29.08
0%
 48 months
2.990%
 $22.13
0%
 60 months
3.240%
 $18.08
Motorcycles New/Used
(Maximum loan $25,000.00. Minimum loan $2,500.00. Model years 2009-2013. 60-month term is for 2013 models only. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment loan.)
10%
 12 months
4.000%
 $85.15
10%
 24 months
4.000%
 $43.42
10%
 36 months
4.000%
 $29.52
10%
 48 months
4.000%
 $22.58
10%
 60 months
4.250%
 $18.53
Used Autos & Trucks 2006-2008
(Maximum loan $100,000. Minimum loan $2,500. Model years 2006-2008. Odometer reading of 80,000 miles or less required. Maximum term of 48 months. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment.)
10%
 12 months
4.500%
 $85.38
10%
 24 months
4.500%
 $43.65
10%
 36 months
4.500%
 $29.75
10%
 48 months
4.500%
 $22.80
Boats (Fiberglass boats only)
(Maximum loan $100,000.00. Minimum loan $2,500.00. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment loan.)
20%
 120 months
6.500%
 $11.35
20%
 240 months
7.250%
 $7.90
RVs
(Maximum Loan Amount $100,000.00. Minimum Loan Amount $2,500. 1-5 Models Years. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment loan.)
20%
 48 months
6.500%
 $23.72
20%
 84 months
7.250%
 $15.22
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
2.250%
 $17.64
0%
 120 months
2.500%
 $9.43
0%
 180 months
3.875%
 $7.34
Home Improvement/Secured
(Maximum Loan Amount $125,000.00.• Minimum Loan Amount $10,001.00 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
5.875%
 $11.05
0%
 240 months
5.875%
 $8.38
Home Improvement/Unsecured
(Maximum Loan Amount $10,000.00.• 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. Certain terms apply.)
0%
 60 months
8.250%
 $20.40
Personal Loans/Member Business
(Maximum loan amount Personal - $30,000, Member Business -$15,000. Minimum loan amount $250. Rates based on direct payment from SACU checking/savings account. Add .25% for non-direct payment loan. (Rates are based on credit worthiness))
0%
 12 months
6.000%
 $86.07
0%
 24 months
7.000%
 $44.78
0%
 36 months
8.000%
 $31.34
0%
 48 months
9.000%
 $24.89
0%
 60 months
10.000%
 $21.25
*Annual Percentage Rate (APR) subject to change • $5 membership account required.


Home Equity Line of Credit*
(Effective: July 2, 2012)
Program
 		APR
Fixed for 12 months
2.500%
Prime thereafter
3.250%
*Introductory rate of 2.50% APR is fixed for the first 12 months. Thereafter, variable APR becomes adjustable monthly based on PRIME Rate (currently 3.25% APR) as published in THE WALL STREET JOURNAL with a maximum of 18% APR. Available for owner-occupied 1-2-family properties. Homeowners insurance is required. Minimum amount $10,000; maximum amount $500,000. Appraisal fee ranging from $175-$275 may be required. $5 membership account required. Subject to credit approval. Early termination fee of $50 - $650 may apply. Certain restrictions apply.