St. Anne's Credit Union





Home > Rates & Calculators > Loan Rates

Click here to apply online through our Online Loan Center.

Consumer Loan Rates*
(Effective: January 10, 2012)
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 2008 – 2012. 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
Used Autos & Trucks 2005-2007
(Maximum loan $100,000. Minimum loan $2,500. Model years 2005-2007. 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
Motorcycles New/Used
(Maximum loan $25,000.00. Minimum loan $2,500.00. Model years 2008-2012. 60-month term is for 2012 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
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
2.750%
 $17.86
0%
 120 months
3.000%
 $9.66
0%
 180 months
4.250%
 $7.53
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
6.250%
 $19.45
0%
 120 months
6.500%
 $11.35
0%
 240 months
6.750%
 $7.61
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
6.500%
 $86.28
0%
 24 months
7.500%
 $44.99
0%
 36 months
8.500%
 $31.56
0%
 48 months
9.500%
 $25.12
0%
 60 months
10.500%
 $21.49
*Annual Percentage Rate (APR) subject to change • $5 membership account required.


Home Equity Line of Credit*
(Effective: Wednesday, February 08, 2012)
Program
 		APR
Fixed for 12 months
2.990%
Prime thereafter
4.000%
*Introductory rate of 2.99% 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 floor of 4% APR and 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.