Risk Based Lending Program for Consumer Loans, not VISA, real estate or shared secured loans. A particular member’s rate may vary from this schedule depending on credit score. All loan interest rate questions should be referred to the Loan Department.
Type of Loan |
Terms |
A.P.R. |
Loan Rates Effective 4/1/08
|
New Car/Truck
You can get 4.75% for up to 36 months for 2004 - 2008 vehicles. Click here to learn more. |
| 2008-2004 |
36 Months Max. |
4.75% |
|
48 Months Max. |
5.00% |
|
60 Months Max. |
5.25% |
|
66 Months Max. |
5.50% |
|
72 Months Max. |
5.75%* |
*Available only on current year model
|
|
Used Car/Truck |
| 2003 - 1998 |
|
|
|
36 Months Max. |
5.75% |
|
48 Months Max. |
6.00% |
|
60 Months Max. |
6.25% |
(Vehicles older than 1998, other than classic vehicles as listed by NADA, add 3.0%) |
|
| New Boat/RV |
2008-2004 |
36 Months Max. |
6.50% |
|
48 Months Max. |
6.75% |
|
60 Months Max. |
7.00% |
|
72 Months Max. |
7.25% |
|
84 Months Max. |
7.50% |
|
| Used Boat/RV |
2003-1998 |
36 Months Max. |
7.25% |
|
48 Months Max. |
7.50% |
|
60 Months Max. |
7.75% |
|
72 Months Max. |
8.00% |
|
New Motorcycle |
| 2008-2004 |
36 Months Max. |
6.25% |
|
48 Months Max. |
6.50% |
|
60 Months Max. |
6.75% |
|
Used Motorcycle |
| 2003-1998 |
36 Months Max. |
6.75% |
|
48 Months Max. |
7.00% |
|
60 Months Max. |
7.25% |
(Motorcycles older than 1998, other than classic vehicles as listed by NADA, add 3.0%) |
|
Signature |
|
Based on amount |
13.50% |
|
Unsecured Line of Credit |
|
$40.00 / Mo. per Thousand |
13.75% |
|
Credit Cards |
Visa Classic Card |
3% of Balance (Mo/Pymt.) |
12.96% |
Visa Gold Card |
3% of Balance (Mo/Pymt.) |
11.96% |
|
Closed End Home Equity ** |
| Regular Home Equity |
60 Months ($7,500 Min.) |
5.99% |
| Regular Home Equity |
120 Months ($12,000 Min.) |
6.49% |
| Regular Home Equity |
180 Months ($20,000 Min.) |
6.99% |
|
Open-End Home Equity ** |
| |
2% of Balance (Mo/Pymt) |
Prime Rate + 0% |
|
Unimproved/Improved Land |
|
60 Months |
Prime Rate + 3.0% |
|
Rental Property |
|
180 Months Max. |
Prime Rate + 1.0% or 7% whichever is greater. |
|
First Mortgage |
|
15 Years |
Contact a Loan Officer for the latest rates. |
|
30 Years |
Contact a Loan Officer for the latest rates. |
|
Home Improvement (Unsecured) |
|
60 Months |
10.50% |
|
Student Loan
(Abbey Credit Union's) |
|
84 Months Max. |
9.50% |
|
Share (Savings) Secured |
|
180 Months |
Dividend Rate + 3.00% |
Credit Builder Loan |
| |
12 Months |
Dividend Rate+10.00% |
** Non-refundable application fee of $200.00.
All loans subject to Normal Credit Criteria.
Rates subject to change without notice.
|
