|
|
All
rates quoted as Annual Percentage Rates as of May 14, 2008.
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
|
|
4.70%
to 11.90%
|
4.85%
to 12.05%
|
5.45%
to 12.60%
|
depending
on credit history
|
Repayment
Examples: 36 monthly payments of $29.85 per $1,000.00 borrowed
at 4.70% APR;
60 monthly payments of $18.82 per $1,000.00 borrowed
at 4.85% 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 $29.94 per $1,000.00 borrowed
at 4.90% APR;
60 monthly payments of $18.88 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. |
Tax
Loan Promotion
Maximum
loan amount $5,000
Ends April 15, 2008 |
| |
Up
to 12 Months
|
|
|
|
| |
9.99%
|
|
|
|
| Repayment
Example: 12 monthly payments of $87.91 per $1,000.00 borrowed
at 9.99% APR. |
| Line
of Credit Rates |
| |
Personal
|
Share
Secured
|
| Line
of Credit |
12.00%
|
6.25%
|
| Home
Equity Line of Credit |
7.00%
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 3/11/08 plus a margin and is subject to change on the
first day of each quarter.
|
| Home
Equity |
|
|
|
|
|
|
|
Home
Equity
|
$7,000
- $49,999
|
$50,000
- $99,999
|
$100,000
- $150,000
|
|
|
60
Months
|
6.50%
|
6.50%
|
6.50%
|
All
Fees Are
|
|
61
to 120 Months
|
6.50%
|
6.50%
|
6.50%
|
Paid
by the
|
|
121
to 180 Months
|
6.50%
|
6.50%
|
6.50%
|
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 checking account before loan is funded.
(Does not include Home Equity, Line of Credit, MasterCard, Visa,
or personal loan.)
Effective Monday, May 1st, the 20 bp (.20%) loan rate discount for
checking accounts will only apply to members who have an Advantage
or Mature Options Checking Account.
|
