Loans

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Loan Rates
 
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The rates shown below are in effect as of April 1, 2009

New Autos 

% Rate

 

Term

 

 

 

2009-2008 As Low AS

4.49%

(up to)

60 months

 

 

 

Non-Titled

5.25%

(up to)

72 months

( over $ 20K )

 

 

 

        (non-titled & less than 2000 miles )

 

 

 
             

Used Autos

 

 

 

 

 

 

2008-2006 As Low As

5.50%

(up to)

60 months

IF REFINANCING PREVIOUS EFFCU:

 

2005-2003

6.25%

(up to)

60 months

MEMBER MUST BORROW ADDITIONAL

 

2002-2000

6.75%

(up to)

48 months

$1000.00 TO BE USED OUTSIDE C.U.

 

1999 & Older

7.25%

(up to)

48 months

NEW PURCHASE OR PAY OFF OTHER

 

 

 

 

 

CREDIT UNION NO ADDITIONAL NEEDED

 

 

 

 

 

MEMBER MAY INCREASE TERM OF LOAN

New Boats

 

 

 

BY 12 MOS. BY PAYING ADDITIONAL 1/2 %

2009-2008 As Low As

5.00%

(up to)

60 months

 

 

 

None Titled

5.50%

(up to)

72 months

( over $ 20K )

 

 

 

7.50%

(up to)

120 months

( over $ 20K )

 

 

 

 

 

 

 

 

 

2008-2006 As Low As

6.49%

(up to)

60 months

 

 

 

 

7.50%

(up to)

72 months

(over $ 20K)

 

 

 

7.75%

(up to)

84 months

(over $20K)

 

 

 

8.00%

(up to)

120 months

(over $20K)

 

 

2005 & Older

7.25%

(up to)

48 months

 

 

 

 

 

 

 

 

 

 

New Motor Cycles/ATV

 

 

 

 

 

 

2009-2008 As Low As

5.99%

(up to)

60 months

 

 

 

Non Titled

6.99%

(up to)

84 months

(over $20K0

 

 

 

 

 

 

 

 

 

2008-2005

6.99%

(up to)

60 months

 

 

 

2004 & Older

7.49%

(up to)

48 months

 

 

 

 

 

 

 

 

 

 

Motor Homes/Rv Camp

 

 

 

 

 

 

2009-2008 As Low As

6.49%

(up to)

60 months

 

 

 

 

6.99%

(up to)

120 months

(over $20K)

 

 

 

 

 

 

 

 

 

2008-2005

6.99%

(up to)

60 months

 

 

 

 

7.49%

(up to)

120 monthd

(over $20K)

 

 

2004 & Older

8.00%

(up to)

60 months

 

 

 

 

 

 

 

 

 

 

Home Equity/ Home Improvement & Share Secured Loans are not part of the Matrix Tier Pricing

Home Equity L. O. C.

3.25%

  

 

 

 

 

Prime rate indicated in the Wall Street Journal @ 4.50% as of 10/23/08

4.50%

(up to)

48 months

 

 

 

 

 

 

 

 

 

 

Home Equity Fixed Rates

 

 

 

 

 

 

5.00%

(up to)

60 months

 

 

 

 

5.75%

(up to)

120 months

 

 

 
 

6.25%

(up to)

180 months

      

Home Improvement Loans

 

 

 

 

 

Up to $7,500

9.00%

(up to)

60 months

With proof of estimates & invoice.

 

 

 

 

 

 

 

 

Share & Certificate Secured

 

 

 

 

 

Certificate secured

2.00%

Above APY

 

 

 

 

 

 

Rate

Term of CD

 

 

 

Share Secure

2.00%

Above Rate

(up to)

36 months

 

 

 

3.00%

Above Rate

 

37-60 months

 

 

Lines of Credit Share Secured

6.00%

 

 

37-60 months

 

 

 

 

 

 

 

 

 

Personal Loans

Up to $15,000

Based on

Income/ Debt

Ratios

 

 

Closed End As Low As

10.00%

(up to)

24 months

 

 

 

 

11.00%

(up to)

36 months

 

 

 

 

12.00%

(up to)

48 months

 

 

 

 

13.00%

(up to)

60 months

 

 

 

 

 

 

 

 

 

 

Personal & Line of

 

 

 

 

 

 

Credit Open End

 

 

 

 

 

 

As Low As

10.00%

(up to)

36 months

Minimum Credit Score of 600 to qualify

 

 

 

 

 

 

 

 

Loan Specials

 

 

 

 

 

 

As Low As

9.00%

(up to)

12 months

$1,200.00

 

 

 

 

 

 

 

 

 

Firefighter Gear

 

 

 

 

 

 

As Low As

9.00%

(up to)

18 months

$2,000.00

 

 

Need Receipts or PO order

 

 

 

 

 

 

 

 

 

 

 

 

 

VISA

12.90%

 

No term

 

 

 
 

HOME MORTGAGE REFINANCING

A minimum credit score of 650 is needed to qualify.

A loan request for 240 months requires a minimum credit score of 740 and a loan to value of 75% or less. All other loan request requires a loan to value of 80% or less.

Proposed Rates Effective 01/04/2010

·       20 Years       6.00%

·       15 Years       5.50%

·       12 Years       5.25%

·       10 Years       5.00%

No Origination Fees

Minimum Loan Amount is $10,000.00

Maximum Loan Amount is $200,000.00   

Approved by the Board of Directors of  EFFCU on 12/22/2009.

All Rates Are Subject To Change Without Notice.

 

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