|
Auto Loans | Recreational Vehicles | Personal Loans | Home Appliances | VISA | Home Equity | Savings | Certificate/IRAs
| NEW & USED AUTO LOANS
|
|
Model Year
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
2005 - 2010
|
3.30% - 9.90% |
36 months |
up to 100%
|
$29.21 -$32.22
|
|
2005 - 2010
|
3.80% - 11.39% |
48 months |
up to 100% |
$22.49 - $26.04 |
|
2005 - 2010
|
3.80% - 11.39% |
60 months |
up to 100% |
$18.33 - $21.94 |
|
2005 - 2010
|
4.62% - 13.86% |
72 months |
up to 100%
|
$15.93- $20.53 |
|
2005 - 2010
|
5.78% |
84 months |
up to 100%
|
$14.50 |
| 2001 - 2004 |
6.27% - 17.95% |
48 months |
NADA Value |
$23.67 - $29.35 |
|
Pre 2001
|
7.43% - 17.95% |
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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| New And Used Recreational Vehicle Loans
|
|
Model Year
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
New
|
7.59% |
180 months |
Up To 90% |
$9.32
|
| New |
7.43% |
144 months |
Up To 90% |
$10.51 |
| New |
6.93% |
120 months |
Up To 90% |
$11.57 |
| New |
5.28% - 15.84% |
84 months |
Up To 90%
|
$14.27 - $19.77
|
| New |
4.95% - 14.85% |
72 months |
Up To 90% |
$16.08 - $21.06 |
| New |
3.63% - 10.89% |
60 months |
Up To 90% |
$18.25 - $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 in a share/savings account with USFCU.
|
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| SECURED LOAN RATES
|
|
Loan Type
|
APR*
|
Term
|
Amount
|
Pmt per $1000
|
|
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 $l,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
Membership is established by maintaining $5 in a share/savings account with USFCU. |
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| VISA CREDIT CARD PROGRAM |
|
Disclosure
|
Platinum
|
Platinum Plus
|
Platinum Preferred
|
|
Annual Percentage Rate (APR) for Purchases
|
A fixed rate of 12.99% |
A fixed rate of 9.89% |
A fixed rate of 7.9%
|
| Other APRs |
Cash Advance & Balance Transfers
APR: A fixed rate of 12.99% |
Cash Advance & Balance Transfers
APR: A fixed rate of 9.89% |
Cash Advance & Balance Transfers
APR: A fixed rate of 7.9% |
| Penalty APR: NONE |
Penalty APR: NONE |
Penalty APR: NONE |
| Grace Period for Purchases |
25 Days* |
25 Days* |
25 Days* |
| Finance Charge Calculation Method |
Average Daily Balance (including new purchases)** |
Average Daily Balance (including new purchases)** |
Average Daily Balance (including new purchases)** |
| Annual Fee |
None |
None |
None |
| Cash Advance Fee |
ATM Cash Advances: None |
ATM Cash Advances: None |
ATM Cash Advances: None |
| Other Cash Advances: None |
Other Cash Advances: None |
Other Cash Advances: None |
| Other Fees |
Late Payment Fee: $10.00 |
Late Payment Fee: $10.00 |
Late Payment Fee: $10.00 |
| Over The Limit Fee: None |
Over The Limit Fee: None |
Over The Limit Fee: None |
| Balance Transfer Fee: None |
Balance Transfer Fee: None |
Balance Transfer Fee: None |
| Minimum Finance Charge |
None |
None |
None |
|
International Transactions
|
1% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
1% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. |
1% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.
|
| Guidelines |
Income:
$30,000 - $35,999
Debt-to-Income:
32.1% - 34%
Line Maximum:
$5,000
ScoreCard® Bonus Points Program
|
Income:
$36,000 or above
Debt-to-Income:
32% or less
Line Maximum:
Up to $15,000
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® Bonus Points Program
|
| *A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date.
**The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.
***Advance Notice of Increase in Interest Rate Required. In General - In the case of any credit card account under an open end comsumer credit plan, no increase in any annual percentage rate (other than an increase due to the expiration of any introductory percentage rate, or due solely to a change in another rate of interest to which suck rate is indexed). (A) may take effect before the beginning of the billing cycle which begins not earlier than 45 days after the date on which the obligor receives notice of such increase; or (B) may apply to any outstanding balance of credit under such plan as of the effective date of the increase required under subparagraph (A).
(2) Notice of Right to Cancel - The notice referred to in paragraph (1) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account before the effective date of the increase.
Membership is established by maintaining $5 in a share/savings account with USFCU.
|
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| HOME EQUITY LOANS
|
| 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% |
| HELOC - 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 Equity Loan Rates - Fixed
|
|
|
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 asssociated with this loan is paid by the member at closing.
There is no membership or participation fee that could be imposed.
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 of 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 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 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 the Home Equity Early Disclosure.
|
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| SAVINGS ACCOUNT RATES |
|
Account Type
|
Dividend Rate
|
APY*
|
Minimum Deposit
|
|
Share Account (Savings)**
|
.30% |
.30% |
$5
|
| Christmas Club** |
.30% |
.30% |
N/A |
| Vacation Club** |
.30% |
.30% |
N/A |
| Mad Money** |
.30% |
.30% |
N/A |
|
Money Market Account
|
0.847% |
0.85% |
$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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| SHARE CERTIFICATES AND IRA RATES |
|
Description
|
Dividend Rate
|
APY*
|
Minimum Deposit**
|
|
91 Day Maturity
|
0.549% |
0.55% |
$1000
|
| 6 Month Maturity |
0.996% |
1.00% |
$1000 |
| 9 Month Maturity |
0.996% |
1.00% |
$2,500 |
| 12 Month Maturity |
1.244% |
1.25% |
$500 |
| 18 Month Maturity |
1.294% |
1.30% |
$500 |
| 24 Month Maturity |
1.492% |
1.50% |
$500 |
| 30 Month Maturity |
1.541% |
1.55% |
$500 |
| 36 Month Maturity |
1.887% |
1.90% |
$500 |
|
48 Month Maturity
|
2.084% |
2.10% |
$500
|
|
60 Month Maturity
|
2.280% |
2.30% |
$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. 45 and 55 Month Maturities are a promotional offer. Rate increase with promotion is allowed one time during the original term of the certificate.
Membership is established by maintaining $5 in a share/savings account with USFCU.
|
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