Rates

Auto   |   Credit Cards   |   Home Equity Line of Credit   |   Personal Loans   |   RV/Boats   |   Motorcycles

 

Auto1

Rates Effective 9/1/2015
Loan Type Terms Annual Percentage Rate
New and Used (2006 - 2015) up to 5 Yrs As low as 2.74% Fixed
  up to 6 Yrs As low as 2.99% Fixed
  up to 7 Yrs As low as 3.49% Fixed
  up to 8 Yrs As low as 3.99% Fixed
Used (2005 & older) up to 5 Yrs As low as 3.74% Fixed
  up to 6 Yrs As low as 3.99% Fixed
  up to 7 Yrs As low as 4.49% Fixed
  up to 8 Yrs As low as 4.99% Fixed
1APRs on auto loans range from 2.74% to 17.99% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 125% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 60-month fixed rate loan at 2.74% would be $17.85/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 3.74% would be $18.30/month per $1000 borrowed; payments on an 84-month fixed rate loan at 4.49% would be $13.90/month per $1000 borrowed; payments on a 96-month fixed rate loan at 3.99% would be $12.18 per $1000 borrowed; payments on a 96-month fixed rate loan at 9.99% would be $15.17 per $1000 borrowed. Underwriting approval is required.

Credit Cards

Rates Effective 9/1/2015
Card Type Annual Percentage Rate1
Visa Platinum Rewards 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 Rewards 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 Line of Credit1

Rates Effective 9/1/2015
Loan Type Term Interest Rate Annual Percentage Rate (APR)
Home Equity Line of Credit n/a 3.99% to 6.15% Variable 3.99% to 6.15% 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 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%. Closing costs range from $477.00 to $1943.00, depending on loan amount, loan position and appraisal costs. This loan has a fixed rate conversion option. You may convert all or part of the outstanding balance up to 3 times during the draw period. First loan conversion is free; the fee for each subsequent conversion is $50.00. The fee to reconvert back to an variable 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.

Personal Loan1

Rates Effective 9/1/2015
Loan Type Terms Annual Percentage Rate
Personal Line-of-Credit N/A 8.90% to 17.90% Adjustable
1Adjustable rates may change after account opening at the discretion of the credit union. APR= Annual Percentage Rate. Your actual APR will be based on your credit qualifications. All loans are subject to underwriting approval.

RV/Boats1

Rates Effective 9/1/2015
Loan Type Terms Annual Percentage Rate
New & Used (2009-2015) 10 Yrs 4.99% to 6.99% Fixed
  15 Yrs 5.49% to 7.49% Fixed
Used (2008 & older) 10 Yrs 6.29% to 8.29% Fixed
  15 Yrs 6.79% to 7.29% 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

Rates Effective 9/1/2015
Loan Type Terms Annual Percentage Rate
New (2014 - 2015) Up to 6 yrs 5.99% to 6.99% Fixed
Used (2005 - 2013) 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.