Rates

Auto   |   Credit Cards   |   Home Equity Loans & Lines   |   Personal Loans   |   RV/Boats   |   Motorcycles

 

Auto1

Rates Effective 4/18/2014
Loan Type Terms Annual Percentage Rate
New and Used (2005 - 2014) up to 6 Yrs As low as 2.99% Fixed
  up to 7 Yrs As low as 3.49% Fixed
Used (2004 & older) up to 6 Yrs As low as 3.99% Fixed
  up to 7 Yrs As low as 4.49% Fixed
1APRs on auto loans range from 2.99% to 16.99% for purchase transactions or refinance of non-Advantis loans. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Finance up to 100% of MSRP on a new car, plus title, license and registration fees. Maximum finance on a used car is 80% to 100% of Kelly Blue Book depending on the age of the vehicle. Payments on a 60-month fixed rate loan at 2.99% would be $17.96/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 3.49% would be $13.44/month per $1000 borrowed; payments on a 60-month fixed rate loan at 3.99% would be $18.41/month per $1000 borrowed; payments on an 84-month fixed rate loan at 4.49% would be $13.90/month per $1000 borrowed. Underwriting approval is required.

Credit Cards

Rates Effective 4/18/2014
Card Type Annual Percentage Rate1
Visa Platinum Travel 8.40% to 17.40% Adjustable
Visa Platinum 8.40% to 17.40% Adjustable
Visa Classic 8.90% to 17.90% Adjustable
1The APR is based on your credit qualifications and is subject to change after account opening at the discretion of the credit union. You will be notified of any changes to the APR. APR changes will not apply to balances outstanding at the time of the notice. There is an annual fee of $45 for Visa Platinum Travel that will be assessed at account opening and annually thereafter. There is no annual fee for the Visa Platinum and Visa Classic. Underwriting approval is required.

Home Equity Loans & Lines1

Rates Effective 4/18/2014
Loan Type Term Interest Rate Annual Percentage Rate (APR)
Fixed Rate Home Equity Loan 5 Years 4.99% to 9.99% 5.89% to 10.93%
  10 Years 5.29% to 10.29% 5.77% to 10.81%
  15 Years 5.59% to 10.59% 5.93% to 10.98%
Home Equity Line of Credit n/a n/a 3.99% to 7.15% Variable
1All home equity rates are based on your credit history, current credit report and loan to value ratio. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR for Fixed Rate Home Equity Loans assumes a second mortgage position and a $10,000 loan amount. Monthly payments on a $10,000 5-year fixed rate home equity loan would range from $188.67 to $212.42 for 60 months; monthly payments on a $10,000 10-year fixed rate home equity loan would range from $107.49 to $133.76 for 120 months; monthly payments on a $10,000 15-year fixed rate home equity loan would range from $82.19 to $111.10 for 180 months. Home Equity Line of Credit: Rate is based on Wall Street Journal Prime Rate plus or minus a margin. The Prime Rate is currently 3.25%. Maximum APR is 21%. Minimum APR is 3.99%. First loan conversion is free; the fee for each subsequent conversion is $50.00. The fee to reconvert back to an adjustable rate credit line is $100.00. The rate for the fixed rate conversion will be set at the time of conversion and will be based on Prime Rate plus a margin. There is a $100.00 annual fee on loan balances under $10,000. A minimum $10,000 initial advance is required at the time of loan commencement. Closing costs range from $577.00 to $1943.00, depending on loan amount, loan position and appraisal costs.

Personal Loan1

Rates Effective 4/18/2014
Loan Type Terms Annual Percentage Rate
Personal Line-of-Credit N/A 8.90% to 17.90% Adjustable
Personal Loan Up to 5 years 8.90% to 16.90% Fixed
1Payment example on a fixed-rate 48 month personal loan at 9.90% would be $25.31 per $1000 borrowed. APRs are based on your credit qualifications. Adjustable rates may change after account opening at the discretion of the credit union.

RV/Boats1

Rates Effective 4/18/2014
Loan Type Terms Annual Percentage Rate
New & Used (2008-2014) 10 Yrs 4.99% to 6.99% Fixed
  15 Yrs 5.49% to 7.49% Fixed
Used (2007 & older) 10 Yrs 6.29% to 8.29% Fixed
  15 Yrs 6.79% to 8.29% Fixed
1For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is 90% of MSRP plus title, license and warranty. Maximum LTV for used RVs is 85% of retail NADA, plus title, license and warranty. Payment examples: Payments on a 5-year loan at 4.99% would be $18.87/month for 60 months per $1000 borrowed: Payments on a 10-year loan at 6.99% would be $11.61/month for 120 months per $1000 borrowed; Payments on a 15-year RV at 7.49% would be $9.26/month for 180 months per $1000 borrowed; Payments on a 10-year loan at 8.29% would be $12.29/month for 120 months per $1000 borrowed; Payments on a 15-year RV at 7.29% would be $9.15/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Motorcycles1

10-28-2013
Loan Type Terms Annual Percentage Rate
New (2012 - 2013) Up to 6 yrs 5.99% to 6.99% Fixed
Used (2007 - 2012) Up to 5 yrs 6.49% to 7.49% Fixed
1For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 5.99% would be $14.51/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 7.49% would be $20.03/month for 60 months per $1000 borrowed. All loans are subject to underwriting approval.