Auto Loans Recreational Vehicles Personal Loans Home Appliances VISA Home Equity Savings

Certificates / IRAs


Auto Loans Effective Date 01/31/2012
NEW &USED AUTO LOANS Low Rate Vs Rebate
Calculate Loan Payment

Model Year

APR*

Term

Amount

Pmt per $1,000

2007 - 2012

2.012% - 7.95%

 36 Months

 Up To 100%

$28.69 - $32.22 

2007 - 2012

2.012% - 9.14%

 48 Months

 Up To 100%

 $21.73 - $26.04

2007 - 2012

2.012% - 9.14%

 60 Months

 Up To 100%

 $17.56 - $21.94

2007 - 2012

3.012% - 11.13%

 72 Months

 Up To 100%

 $15.23 - $20.53

2007 - 2012

4.012%

 84 Months

 Up To 100%

 $13.71

2003 - 2006

5.04% - 15.11%

 48 Months

 NADA Value

 $23.67 - $29.35

Pre 2003

5.96% - 17.89%

 36 Months

NADA Value 

 $31.07 - $36.13

*APR = Annual Percentage Rate
Membership is established by maintaining $5 in a share / savings account with USFCU.

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RECREATIONALVEHICLELOANS

Effective 01/31/2012

NEW& USED RECREATIONAL VEHICLES Calculate Loan Payment

Model Year

APR*

Term

Amount

Pmt per $1,000

New

7.59%

180 Months

Up To 90%

$9.25

New

7.43%

144 Months

Up To 90%

$10.03

New

6.93%

120 Months

Up To 90%

$11.24

New

5.28% - 15.84%

84 Months

Up To 90%

$14.03 - $19.77

New

4.95% - 14.85%

72 Months

Up To 90%

$15.54 - $21.06

New

3.63% - 10.89%

60 Months

Up To 90%

$17.87 - $21.69

New

3.63% - 10.89%

48 Months

Up To 90%

$22.41 - 25.79

New

3.30% - 9.90%

36 Months

Up To 90%

$29.21 - $32.22

Used

8.58%

180 Months

  NADA Trade In  

$9.89

Used

8.25%

144 Months

NADA Trade In

$10.96

Used

7.59%

  120 Months  

NADA Trade In

$11.92

Used

6.27% - 17.95%

84 Months

NADA Trade In

$14.74 - $20.99

Used

5.61% - 16.83%

72 Months

NADA Trade In

$16.39 - $22.15

Used

4.29% - 12.87%

60 Months

NADA Trade In

$18.55 - $22.69

Used

4.29% - 12.87%

48 Months

NADA Trade In

$22.71 - $26.73

Used

3.30% - 9.90%

36 Months

NADA Trade In

$29.21 - $32.22

*APR = Annual Percentage Rate
Recreational items include:  Motor Homes, Campers, Motorcycles, and Boats, Mtrs, etc.  
Membership is established by maintaining $5.00 in a share / savings account with USFCU.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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PERSONAL LOANS                                                                                  Effective Date:  01/31/2012
SECURED LOAN RATES                                                                                                          Calculate Loan Payment

Loan Type

APR*

Term

Amount

Pmt per $1,000

Share / CD Secured

2% over Share Rate*

Up to 60 Months

Up to 100%

--

Vacant Property

7.50% - 17.95%

120 Months

Up to 80%

$11.87 - $17.99

Stock Secured

8.00%

60 Months

Up to 50%

$20.28

Stock Secured - LOC

Prime + 1% **

60 Months

Up to 50%

- -

Lifestyle Loans

7.99% - 9.99%

60 Months

Up to 100%

$20.27 - $21.24

UNSECURED LOAN RATES
Signature Loan                  

       9.99% - 16.99%        

       60 Months                    --              $21.26 - $24.85   
Signature Loan - LOC        9.99% - 16.99%        60 Months            --     $21.26 - $24.85

*APR - Annual Percentage Rate
**Payment example based on $1,000 for 60 months
***Stock Secured LOC - Rate adjusted monthly
Membership is established by maintaining $5 in a share/savings account with USFCU.


                                                                                           
HOME APPLIANCES                                                                                 Effective Date:  01/31/2012

HOME APPLIANCES                                                                                              Calculate Loan Payment

Loan Type

APR*

Term

 

Amount

Pmt per $1,000

New & Used 10.95% - 17.95% 36 Months Up to 100% $32.73 - $36.13
*APR - Annual Percentage Rate
Membership is established by maintaining $5 in a share/savings account with USFCU.

 

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VISA® CREDIT CARD PROGRAM                                                         Effective Date:  01/31/2012
VISA® CREDIT CARD PROGRAM                                                                   Calculate Loan Payment

Interest Rates and Interest Charges VISA® Platinum* VISA® Platinum Plus** VISA® Platinum Preferred**
Annual Percentage Rate (APR) for Purchases

12.99%

9.89%

7.90%

APR for Balance Transfers

12.99%

9.89%

7.90%

APR for Cash Advances

12.99%

9.89%

7.90%

Penalty APR and When it Applies

        None

How To Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00
For Credit Card Tips From The Federal Reserve Board To learn more about factors to consider when applying for or using credit cards, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov.creditcard.
Fees VISA® Platinum VISA® Platinum Plus** VISA® Platinum Preferred**
Annual Fee

None

None

None

Transaction Fees  
•     Balance Transfer

None

None

None

•     Cash Advances

None

None

None

•     Foreign Transaction

1.0% with currency and/or 0.80% without currency conversion.

Penalty Fees  
•     Late Payment

Up to $20

Up to $20

Up to $20

•     Over-the-Credit-Limit

None

None

None

•     Returned Payment

None

None

None

Other Fees

None

None

None

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
How We Will Calculate Your Balance:  We use a method called "average daily balance" (including new purchases and cash advances).  *An explanation of this method is provided in your account agreement.
General Requirements: To qualify for a United Southeast Federal Credit Union VISA, you must be at least 18 years of age, have regular monthly income, and meet the general lending policies of the credit union.  In addition, a satisfactory credit report is required.
*VISA Platinum is the basic VISA card with several benefits.  Credit limits are available up to $5,000.  ScoreCard Bonus Points Program, no annual fee, 25-day grace period on purchases, and free balance transfers.  The VISA Platinum card can be used at any ATM that displays the VISA logo.
**VISA Platinum Plus offers credit limits from $5,000 to $10,000.  In addition to the minimum requirements above, a minimum income of $35,000 is required.  VISA Platinum Plus has the same benefits of the Platinum.  
**VISA Platinum Preferred offers credit limits from $10,000 to $25,000.  In addition to the general requirements above, a minimum income of $45,000 is required.  The VISA Platinum Preferred has the same benefits of the VISA Platinum Plus.  In addition, Platinum Preferred offers discount pharmacy, concierge service, and travel accident insurance.

 

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HOME EQUITY LOANS                                                                         Effective Date:  01/31/2012
HOME EQUITY LOANS                                                                                 Calculate Loan Payment

HELOC - PLAN CODE 72

Loan Type

APR*

Amount to Loan Value

HELOC - 72

Prime Rate - Floor of 4.00%

Up To 90%

HELOC - 72

Prime Rate - Floor of 4.00%

Up To 80% 

 HELOC - 72

Prime Rate - Floor of 4.00%

 Up To 75%

 HELOC - 72

Prime Rate - Floor of 4.00%

 Up To 65%

HELOC - PLAN CODE 71

HELOC - 71

Prime Rate

Up To 90%

HELCO - 71

Prime Rate + 4.00%

Up To 80%

HELOC - 71

Prime Rate + 5.00%

Up To 75%

HELOC - 71

Prime Rate + 6.00%

Up To 65%

HOME EQUIITY LOAN RATES - FIXED                                                       Calculate Loan Payment

Loan Type

APR

Term

Amount

HELOC

4.90% - 14.70%

48 months

Up To 90%

HELOC

5.24% - 15.73%

60 months

Up To 90%

HELOC

5.34% - 16.02%

72 months

Up To 90%

HELOC

5.39% - 16.17%

84 months

Up To 90%

HELOC

5.39% - 16.17%

96 months

Up To 90%

HELOC

5.64% - 16.91%

120 months

Up To 90%

HELOC

5.88% - 17.64%

180 months

Up To 90%

*All closing cost associated with this loan is paid by the member at closing.

APR refers to Annual Percentage Rate.

APR on plan code 72 Home Equity Line of Credit is a variable rate subject to change monthly and is indexed to the Wall Street Journal Prime Rate.  The annual percentage rate can change monthly on the first day of each month.  There is no limit on the amount by which the annual percentage rate can change during any one year period.  The maximum Annual Percentage Rate cannont increase more than 6.0 percentage points above the initial rate or the maximum permitted by law, whichever is less.  (3.25% as of 9/01/10).

Mimimum Payment Example:  If only the minimum monthly payment is made and no other credit advances are taken, it would take six years to pay off a credit advance of $10,000 at an Annual Percentage Rate of 5.25%.  During that period, 72 payments of $163.00 would be made. 

Membership is established by maintaining $5 in a share/savings account with USFCU.

Click Here for te Home Equity Early Disclosure.

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SAVINGS                                                                                             Effective Date:  01/31/2012
SAVINGS ACCOUNT RATES

Account Type

Dividend Rate

APY*

Minimum Deposit

Share Account (Savings)**

.25%

.25%

$5.00

Christmas Club**

.25%

.25%

N/A

Vacation Club**

.25%

.25%

N/A

Mad Money **

.25%

.25%

N/A

Money Market Account

.25%

.25%

$1,000

*APY - Annual Percentage Yield
**Minimum balance of $100 required to earn dividends.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Membership is established by maintaining $5 in a share/savings account with USFCU.

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CERTIFICATE & IRA                                                                          Effective Date:  01/31/2012
SHARE CERTIFICATE AND IRA RATES

Description

Dividend Rate

APY*

Minimum Deposit**

91 Day Maturity

0.250%

0.25%

$1,000

6 Month Maturity

0.350%

0.35%

$1,000

12 Month Maturity

0.599%

0.60%

$500

18 Month Maturity

0.698%

0.70%

$500

24 Month Maturity

0.947%

0.95%

$500

30 Month Maturity

0.947%

0.95%

$500

36 Month Maturity

1.393%

1.40%

$500

48 Month Maturity

1.689%

1.70%

$500

60 Month Maturity

1.936%

1.95%

$500

*APY - Annual Percentage Yield
**IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.  Early withdrawal from certificate subject to penalty.  Membership is established by maintaining $5 in a share/savings account with USFCU.

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