|
|
All
rates quoted as Annual Percentage Rates as of October 19, 2009.
Annual Percentage Rates are
subject to change and are accurate as
of publication date.
| New
Automobiles (Current Model Year, Untitled, Less than 5,000 Miles)* |
|
Up
to 36 Months
|
37-
63 Months
|
64
- 72 Months**
|
**
Qualified Automobiles
|
|
4.45%
to 11.90%
|
4.60%
to 12.05%
|
5.20%
to 12.55%
|
depending
on credit history
|
Repayment Examples: 36 monthly payments of $29.73 per $1,000 borrowed at 4.45% APR,
60 monthly payments of $18.69 per $1,000 borrowed at 4.60% APR. |
*Green Loan Discount: Rates may be reduced by 25 bp (.25%) if member is financing a hybrid vehicle or any other standard gas efficient vehicle with fuel economy of 30 mpg highway or greater.
| Pre-Owned
Automobiles |
|
Up
to 36 Months
|
37-
63 Months
|
64
- 72 Months**
|
**
Qualified Automobiles
|
|
4.90%
to 12.20%
|
5.00%
to 12.30%
|
5.50%
to 12.80%
|
depending
on credit history
|
Repayment
Examples: 36 monthly payments of $29.92 per $1,000.00 borrowed
at 4.90% APR;
60 monthly payments of $18.87 per $1,000.00 borrowed
at 5.00% APR. |
*Green Loan Discount: Rates may be reduced by 25 bp (.25%) if member is financing a hybrid vehicle or any other standard gas efficient vehicle with fuel economy of 30 mpg highway or greater.
Boats,
Motor Homes, Travel Trailers, Campers
and Jet Skis*
*Maximum
term for jet skis is 60 months.
|
|
Up
to 36 Months
|
37-
60 Months
|
61
- 72 Months
|
73-120
Months
|
|
|
6.94%
to 17.60%
|
7.09%
to 17.75%
|
7.34%
to 18.00%
|
8.24%
to 18.00%
|
depending
on
credit history
|
| Repayment
Examples: 36 monthly payments of $30.84 per $1,000.00 borrowed
at 6.94% APR; 60 monthly payments of $19.84 per $1,000.00 borrowed
at 7.09% APR; 120 monthly payments of $12.25 per $1,000.00 borrowed
at 8.24% APR. |
Motorcycles
and 4 Wheelers
|
|
Up
to 36 Months
|
37-
60 Months
|
61
- 72 Months
|
|
|
7.94%
to 17.60%
|
8.09%
to 17.75%
|
8.34%
to 18.00%
|
depending
on
credit history
|
| Repayment
Examples: 36 monthly payments of $31.30 per $1,000.00 borrowed
at 7.94% APR; 60 monthly payments of $20.31 per $1,000.00 borrowed
at 8.09% APR. |
| Personal
Loan Rates |
|
Loan
Type
|
Up
to 24 Months
|
25
- 36 Months
|
37
- 48 Months |
49
- 60 Months
|
|
Personal Loan
|
14.00%
|
14.25%
|
15.25%
|
16.00%
|
| Repayment
Examples: 24 monthly payments of $48.03 per $1,000.00 borrowed
at 14.00% APR; 36 monthly payments of $34.31 per $1,000.00 borrowed
at 14.25% APR; 48 monthly payments of $27.97 per $1,000.00 borrowed
at 15.25% APR. |
| "All Other Collateral" Secured Loans |
|
Up
to 60 Months |
61 to 120 Months |
|
10.20%
|
10.70% |
| Repayment
Example: 60 monthly payments of $21.35 per $1,000.00 borrowed
at 10.20% APR; 120 monthly payments of $13.61 per $1,000.00 borrowed
at 10.70% APR. |
Share Secured Loans |
Certificate of Deposit Secured Loans |
4.25% |
3 points over the face value of the certificate |
| Line
of Credit Rates |
| |
Personal
|
Share
Secured
|
| Line
of Credit |
12.00%
|
6.25%
|
| Home
Equity Line of Credit |
4.25%
variable rate*
|
|
|
Minimum
draw of $4,000; Ten year draw period; All fees paid by the
Credit Union
*Rate shown is a variable Annual Percentage Rate based
on the Prime Rate published in the Wall Street Journal as
of 6/10/09 plus a margin and is subject to change on the
first day of each quarter.
|
| Home
Equity |
|
|
$7,000
- $49,999
|
$50,000
- $99,999
|
$100,000
- $150,000
|
|
|
60
Months
|
6.50%
|
6.50%
|
6.50%
|
All
Origination
|
|
61
to 120 Months
|
6.50%
|
6.50%
|
6.50%
|
Fees Are Paid by
|
|
121
to 180 Months
|
6.50%
|
6.50%
|
6.50%
|
the Credit
Union
|
| Repayment
Examples: 60 monthly payments of $19.57 per $1,000.00 borrowed
at 6.50% APR; 120 monthly payments of $11.36 per $1,000.00 borrowed
at 6.50% APR; 180 monthly payments of $8.72 per $1,000.00 borrowed
at 6.50% APR. |
NOTE:
Loan rates to be reduced by 10 basis points
(.10%) if loan is booked with an automated payment method. (Does
not include Home Equity, Line of Credit, MasterCard, or Visa.)
Loan rates to be reduced by 20 basis points (.20%) if member has
a Credit Union of Texas Advantage or Mature Options Checking Account before loan is funded.
(Does not include Home Equity, Line of Credit, MasterCard, Visa,
or personal loan.)
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