New Autos %
Rate Term
2011-2010 (As Low As)
3.49% (up to) 60 months
(Non-titled & less than 2000 miles) 3.99% (up to) 72 months ( over $ 20K )
Used
Autos
2011-2009
(As Low As) 4.50% (up to) 60 months
2008-2004
(As Low As) 5.00% (up to) 60 months
2003 & older
(As Low As) 6.00% (up to) 48 months
IF REFINANCING
EFFCU LOAN:
MEMBER MUST BORROW
ADDITIONAL $1000.00 TO BE USED OUTSIDE C.U.
NEW PURCHASE OR PAY OFF OTHER CREDIT UNION NO ADDITIONAL NEEDED
MEMBER MAY INCREASE TERM OF LOAN BY 12 MOS. BY PAYING ADDITIONAL 1/2 %.
Boats
2011-2010
(As Low As) 5.00% (up to) 60 months
None Titled
(As Low As) 5.75% (up to) 84 months ( over $20K )
6.50% (up to) 120 months ( over $20K )
2009-2007
(As Low As) 6.00% (up to) 60 months
7.00% (up to) 72 months (over $20K)
7.25% (up to) 84 months (over $20K)
8.00% (up to) 120 months (over $20K)
2006 & Older
7.00% (up to) 48 months
Motorcycles/ATV
2011-2010
(As Low As) 5.25% (up to) 60 months
Non Titled
(As Low As) 6.25% (up to) 84 months (over $20K)
2009 & older
(As Low As) 6.00% (up to) 60 months
Motor
Homes/RV Campers
2011-2010
(As Low As) 6.00% (up to) 60 months
6.50% (up to) 120 months (over $20K)
2009-2006
(As Low As) 6.50% (up to) 60 months
7.50% (up to) 120 monthd (over $20K)
2005 & Older
(As Low As) 7.50% (up to) 72 months
Home
Equity/ Home Improvement & Share Secured Loans are not part of the Matrix
Tier Pricing Home Equity L. O. C. See Lending Staff
Prime rate indicated in the 3.25% (up to) 48 months
Wall Street Journal as of
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 Rate
A.P.Y. 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) 9.00% (up to) 24 months
10.00% (up to) 36 months
11.00% (up to) 48 months
12.00% (up to) 60 months
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 P O order
VISA
12.90% No term
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