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Current Loan RatesEffective
PRIME RATE 3.25% AS OF December 1, 2008, Rates listed effective December 7, 2009
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| Loan | Terms |
APR
* |
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| New and Nearly New Automobiles and RV's |
up to 72 months
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6.49-6.99%
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| Motor Homes |
up to 120 months
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6.49-6.99%
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| Used Autos and RV's |
up to 60 months
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7.49-9.49%
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| Motor Homes |
up to 84 months
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7.49-9.49%
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| ATV's |
up to 48 months
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8.99%
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| Mobile Home | New without Real Estate |
up to 180 months
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7.75 %
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| Used without Real Estate |
up to 120 months
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8.99%
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| New/Used with Real Estate |
up to 240 months
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7.25-8.49%
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| Other Secured Loan (Computer, Appliance, Furniture, etc) |
up to 48 months
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9.99%
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| Unsecured Loans |
up to 48 months
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14.50 %
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| Visa |
NA
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14.90%
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| Home Purchase/Refinance | ||||
| *Long Term Low Fixed Rate Real Estate Loans Now Available! - Contact Credit Union for More Information | ||||
| LTV up to 80% | Fixed Rate |
up to 60 months
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** 7.25-8.00%
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| LTV up to 80% | Fixed Rate |
up to 120 months
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** 7.99-8.49%
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** Term depending on inclusion of HELOC or extended amortization with balloon due in 120 months |
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PRIME RATE 3.25% AS OF January 1, 2009, posted rates effective December 7, 2009
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| Home Equity Loan | ||||
| 20 amortization/5 yr balloon | Adjustable |
from 120 to 240 months
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7.49-7.99%
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| Home Equity Line of Credit | ||||
| Adjustable |
5 year take out
10 year repayment |
5.75%
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| Commercial Loans |
up to 84 months
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Negotiable
Rate & Fee |
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| Commercial Real Estate Loans |
**up to 144 months
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Negotiable Rate & Fee
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** Term depending on inclusion of HELOC or extended amortization with balloon due in 120 months |
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| FMHA Guaranteed Loans | |
Prime + 1.75%
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| Notice of Assignment (with USFS) |
60 Day One Pay
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9.99%
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| Assignment of Contracts | |
11.75%
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| Share Secured |
Dividend Earned on
Secured Share + 2% |
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| Lines of Credit | ||||
| Unsecured LOC | Adjustable |
Floor of 7%
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7.00%
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| Secured LOC | Adjustable |
Floor of 7%
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7.00%
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| Commercial LOC | Adjustable |
Floor of 7%
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7.00%
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| Agricultural LOC | Adjustable |
Floor of 7%
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7.00%
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| AG Operating One Pay | ||||
| Fixed |
One Pay
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7.50
% |
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* APR = Annual Percentage Rate
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©
2003 Old West Federal Credit Union. "This credit union is federally
insured by the National Credit Union Administration." |
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