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Auto Loans | Recreational Vehicles | Personal Loans | Home Appliances | VISA | Home Equity | Savings | Certificate/IRAs
All Rates Effective May 20, 2013
| NEW & USED AUTO LOANS
|
|
Model
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
'04 or Newer
|
1.59% - 7.95% |
36 months |
NADA Value
|
$28.48 - $31.42
|
|
'04 or Newer
|
1.79% - 9.14% |
48 months |
NADA Value |
$21.62 - $25.05 |
|
'04 or Newer
|
1.99% - 9.14% |
60 months |
NADA Value |
$17.54 - $20.91 |
|
'04 or Newer
|
2.99% - 11.13% |
72 months |
NADA Value
|
$15.21 - $19.19 |
|
'04 or Newer
|
3.99%** |
84 months |
NADA Value
|
$13.68 |
| 2000 to 2003 |
5.04% - 15.11% |
48 months |
NADA Value |
$23.10 - $28.06 |
| Pre 2000 |
5.96% - 17.89% |
36 months |
NADA Value |
$30.48 - $36.35 |
|
* APR = Annual Percentage Rate: Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for full details and disclosures.
** 84 month term is subject to approval on amounts exceeding $35,000 for A or A+ credit only.
Membership is established by maintaining $5 in a share/savings account with USFCU.
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| New And Used Recreational Vehicle Loans
|
|
Model Year
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
New & Used
|
1.59% - 9.90% |
36 months |
Up To 90% |
$28.48 - $32.32
|
|
New & Used
|
1.99% - 12.87% |
48 months |
Up To 90% |
$21.71 - $26.88 |
|
New & Used
|
2.69% - 17.95% |
60 to 180 months |
Up To 90% |
$17.85 - $21.11 |
|
* APR = Annual Percentage Rate. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for full details and disclosures.
Recreational items include: Motor Homes, Campers, Motorcycles, Boats, etc.
Membership is established by maintaining $5 in a share/savings account with USFCU.
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| SECURED LOAN RATES
|
|
Loan Type
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
Share or Share Certificate 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. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for full details and disclosures.
**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. |
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| HOME APPLIANCES
|
|
Loan Type
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
New & Used
|
10.95% - 17.95% |
36 months |
Up to 100%
|
$32.73 - $36.13
|
*APR - Annual Percentage Rate. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for full details and disclosures.
Membership is established by maintaining $5 in a share/savings account with USFCU. |
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| VISA CREDIT CARD PROGRAM |
|
Interest Rates and Interest Charges
|
Platinum
|
Platinum Plus
|
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 website of the Federal Reserve Board at http://www.federalreserve.gove.creditcard.
|
| Fees |
None
|
None
|
None
|
| 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 |
Up to $30
|
Up to $30
|
Up to $30
|
| Other Fees |
None
|
None
|
None
|
| Guidelines |
Line Maximum:
$5,000
ScoreCard® Bonus Points Program
|
Income:
$35,000 or above
Line Maximum:
Up to $10,000
ScoreCard® Bonus Points Program
|
Income:
$45,000 or above
Debt-to-Income:
38% or less
Line Maximum:
$25,000
Beacon Score:
680 or above
ScoreCard® Premium Bonus Points Program
|
|
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
|
| HELOC - Monthly1 |
|
Loan Type
|
APR*
|
Amount**
|
|
HELOC - Monthly
|
Prime Rate - Floor of 4.00% |
Up to 90%
|
| HELOC - Annual2 |
| HELOC - Annual |
Prime Rate |
Up to 90%
|
| HELOC - Annual |
Prime Rate + 4.00% |
Up to 80% |
| HELOC - Annual |
Prime Rate + 5.00% |
Up to 75% |
| HELOC - Annual |
Prime Rate + 6.00% |
Up to 65% |
| Fixed Rate Home Equity
3 |
|
Term
|
APR*
|
Amount** |
Pmt per $20,000
|
|
48 months
|
4.90% - 14.70% |
Up to 90%
|
$460.20-$555.42
|
| 60 months |
5.24% - 15.73% |
Up to 90%
|
$380.10-$485.25 |
|
72 months
|
5.34% - 16.02% |
Up to 90%
|
$325.68-$435.68
|
| 84 months |
5.39% - 16.17% |
Up to 90%
|
$286.73-$400.69 |
| 96 months |
5.39% - 16.17% |
Up to 90%
|
$257.27-$374.00 |
| 120 months |
5.64% - 16.91% |
Up to 90%
|
$218.75-$347.86 |
| 180 months |
5.88% - 17.64% |
Up to 90%
|
$167.74-$318.27 |
|
*APR-Annual Percentage Rate: Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for full details and disclosures.
**Loan amount is a percentage of the current appraised market value.
1 - HELOC - Monthly: There is a $300.00 application fee, however, if the initial advance is $20,000 or greater, this fee will be waived. Also, the closing costs are paid by the cerdit union on behalf of the member as long as the initial advance is $20,000 or greater. This plan has a variable rate feature, meaning that the APR may vary after the account is opened, and the APR and minimum payment may change as a result. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The APR can change monthly on the first of day of each month. There is no limit on the amount by which the APR can change during any one year period. The maximum APR that can apply is 10.0% or the maximum permitted by law, whichever is less. However, under no circumstances will the APR go below 4.0% at any time during the term of the plan.
Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 6 years to pay off a credit advance of $10,000 at an APR of 4.0%. During that period, you would make 71 payments of $157.00 and one final payment of $113.10.
2 - HELOC - Annual: There is a $300.00 application fee, however, if the initial advance is $20,000 or greater, this fee will be waived. Also, the closing costs are paid by the credit union on behalf of the member as long as the initial advance is $20,000 or greater. This plan has a variable rate feature, meaning that the APR may vary after the account is opened, and the APR and minimum payment may change as a result. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. 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 cannot 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).
Minimum Payment Example: If only the minimum monthly payment is made and no other credit advances are taken, it would take 6 years to pay off a credit advance of $10,000 at an APR of 3.25%. During that period, 71 payments of $154.00 would be made with one additional payment of $79.73.
3 - Fixed Rate Home Equity: The interest rate in effect at the time of the loan is fixed for the term selected. All closing costs are the responsibility of the member. If there is no Escrow account associated with the property, one will be required as per federal law with the initiation of the loan.
Membership is established by maintaining $5 in a share/savings account with USFCU.
|
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| SAVINGS ACCOUNT RATES |
|
Account Type
|
Dividend Rate
|
APY*
|
Minimum Deposit
|
|
Regular Share(Savings) and IRA Share Accounts**
|
| $100.00 - $2,499.99 |
0.05% |
0.05% |
$5.00 |
| $2,500.00 - $4,999.99 |
0.10% |
0.10% |
|
| $5,000.00 - $14,999.99 |
0.15% |
0.15% |
|
| $15,000.00 - $24,999.99 |
0.18% |
0.18% |
|
| $25,000.00 - $49,999.99 |
0.20% |
0.20% |
|
| $50,000.00 and over |
0.25% |
0.25% |
|
| Christmas Club, Vacation Club, and Mad Money Accounts** |
| $100.00 - $2,499.99 |
0.05% |
0.05% |
$5.00 |
| $2,500.00 - $4,999.99 |
0.10% |
0.10% |
|
| $5,000.00 - $14,999.99 |
0.15% |
0.15% |
|
| $15,000.00 - $24,999.99 |
0.18% |
0.18% |
|
| $25,000.000 - $49,999.99 |
0.20% |
0.20% |
|
| $50,000.00 and over |
0.25% |
0.25% |
|
| Money Market Share Accounts |
| $1,000.00 - $4,999.99 |
0.10% |
0.10% |
$1,000 |
| $5,000.00 - $24,999.99 |
0.15% |
0.15% |
|
| $25,000 - $49,999.99 |
0.25% |
0.25% |
|
| $50,000 - $99,999.99 |
0.25% |
0.25% |
|
| $100,000 and over |
0.25% |
0.25% |
|
|
*APY - Annual Percentage Yield
**Minimum balance of $100 required to earn dividends.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Fees could reduce the earnings on the account.
Membership is established by maintaining $5 in a share/savings account with USFCU.
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| SHARE CERTIFICATES AND IRA RATES |
|
Description
|
Dividend Rate
|
APY*
|
Minimum Deposit**
|
|
91 Day Maturity
|
0.250% |
0.25% |
$1,000
|
| 6 Month Maturity |
0.250% |
0.25% |
$1,000 |
| 12 Month Maturity |
0.399% |
0.40% |
$1,000 |
| 18 Month Maturity |
0.449% |
0.45% |
$1,000 |
| 24 Month Maturity |
0.648% |
0.65% |
$1,000 |
| 30 Month Maturity |
0.648% |
0.65% |
$1,000 |
| 36 Month Maturity |
0.947% |
0.95% |
$1,000 |
|
48 Month Maturity
|
1.195% |
1.20% |
$1,000
|
|
60 Month Maturity
|
1.343% |
1.35% |
$1,000
|
|
*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.
Dividends can be added back to your account, transferred to your credit union account, or check mailed to you each month.
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