Auto Loans | Recreational Vehicles | Personal Loans | Home Appliances | VISA | Home EquitySavings | Certificate/IRAs
 

All Rates Effective April 8, 2014

 
AUTO LOANS

 

NEW & USED AUTO LOANS

Low Rate "vs" Rebate

Calculate Loan Payment

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 complete details and disclosures.
** 84 month term is subject to approval on amounts exceeding $30,000 for A+, A and B credit only. 
Membership is established by maintaining $5 in a share/savings account with USFCU.

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RECREATIONAL LOANS

 

New And Used Recreational Vehicle Loans 
Calculate Loan Payment

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 complete details and disclosures.
Recreational items include:  Motor Homes, Campers, Motorcycles, Boats, Motors, etc.
Membership is established by maintaining $5 in a share/savings account with USFCU.

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PERSONAL LOANS

 

SECURED LOAN RATES
Calculate Loan Payment

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 complete 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

 

HOME APPLIANCES
Calculate Loan Payment

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

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VISA CREDIT CARD PROGRAM

 

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 Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit cards, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

 

 

 

Annual Fee

None

None

None

Transaction Fees  

   Balance Transfer

None

None

None

  Cash Advances

None

None

None

  Foreign Transaction

1.00% with currency conversion 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 Amount:  
$500-$7,500

ScoreCard® Bonus Points Program

Income:  
$30,000 or above

Line Amount:
$2,500-$15,000

ScoreCard® Bonus Points Program

Income:  
$40,000 or above

Line Amount:
$5,000-$50,000

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.
*In addition to all the benefits of our VISA credit cards, our Platinum Preferred also offers discount pharmacy, concierge service, and travel accident insurance.

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HOME EQUITY LOANS

 

HOME EQUITY LOANS
Calculate Loan Payment
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
Calculate Loan Payment
3

 Term

APR*

Amount**

Pmt per $20,000

48 months

4.90% - 6.45%

Up to 90%

$460.20-$476.26

60 months 5.24% - 6.78%

Up to 90%

$380.10-$396.07

72 months

5.34% - 6.78%

Up to 90%

$325.68-$340.70

84 months 5.39% - 7.37%

Up to 90%

$286.73-$307.28
96 months 5.39% - 7.37%

Up to 90%

$257.27-$278.01
120 months 5.64% - 7.89%

Up to 90%

$218.75-$243.03
180 months 5.88% - 6.95%

Up to 90%

$167.74-$180.23

*APR-Annual Percentage Rate:  Some restrictions may apply. Rates are subject to change weekly without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.

**Loan amount is a percentage of the current appraised market value.

1 - HELOC - Monthly:  There is a $300.00 application fee. Upon approval, additional 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. Upon approval, additional 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.

HELOC Early Disclosure

What You Need to Know About Home Equity Lines of Credit.

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SAVINGS

 

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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CERTIFICATE & IRA

 

SHARE CERTIFICATES AND IRA RATES

Description

Dividend Rate

APY*

Minimum Deposit**

91 Day Maturity

0.150% 0.15%

$1,000

6 Month Maturity 0.200% 0.20% $1,000
12 Month Maturity 0.300% 0.30% $1,000
18 Month Maturity 0.399% 0.40% $1,000
24 Month Maturity 0.499% 0.50% $1,000
30 Month Maturity 0.599% 0.60% $1,000
36 Month Maturity 0.698% 0.70% $1,000

48 Month Maturity

0.897% 0.90%

$1,000

60 Month Maturity

1.195% 1.20%

$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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