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*APR - Annual Percentage Rate.
Rates Subject To Change Without Notice.
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Phone: (440) 347-3891 or (440) 347-5009 • Fax: (440) 347-3897 |
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| Secured Loans |
Effective September 1, 2011 |
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| Share Secured Loans |
Term |
APR* |
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0 - 36 Months |
3.00% |
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37 - 72 Months |
3.50% |
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| Certificate Secured Loans |
Term |
APR* |
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0 - 36 Months |
4.00% |
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37 - 72 Months |
4.50% |
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| Share-Secured and Certificate-Secured loans up to72 months for up to are available by using an equal amount as collateral from either regular shares or certificates of deposit. |
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| Vehicles (Cars, Trucks, Boats & RVs) |
Effective September 1, 2011 |
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| New Vehicles (2011-2012) |
Term |
APR* |
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Three Months Young or Never Titled
No Down Payment Required |
48 Months |
2.45% |
| 60 Months |
2.45% |
| 66 Months |
4.50% |
| 72 Months |
4.99% |
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| Used Vehicles (2010-2012) |
Term |
APR* |
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| Not to exceed NADA retail value. |
48 Months |
2.99% |
| 60 Months |
2.99% |
| 66 Months |
5.50% |
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| Used Vehicles (2007-2009) |
Term |
APR* |
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| Not to exceed NADA retail value. |
36 Months |
2.99% |
| 48 Months |
2.99% |
| 60 Months |
2.99% |
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| Used Vehicles (2006 & Older) |
Term |
APR* |
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| Not to exceed NADA retail value. |
Up To 36 Months |
2.99% |
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| Note: Any vehicle already owned by a member and being used as collateral, or any vehicle 2006 or older
, is subject to credit union inspection. *"Best" rate offer applies to qualified members based on debt-ratio and credit score. Actual rate offered may be higher. Contact the credit union for details. |
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| Motorcycles |
Effective September 1, 2011 |
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| New Motorcycles (2011-2012) |
Term |
APR* |
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Three Months Young or Never Titled
No Down Payment Required |
48 Months |
3.99% |
| 60 Months |
3.99% |
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| Used Motorcycles (2010 & Older) |
Term |
APR* |
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| Not to exceed NADA retail value. |
48 Months |
4.99% |
| 60 Months |
4.99% |
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| Long Term Boats & RVs |
Effective September 1, 2011 |
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| New Boats & RVs (2011-2012) |
Term |
APR* |
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Minimum Loan $15,000 - Maximum Loan $75,000
Not to exceed NADA retail value. |
84 Months |
6.24% |
| 96 Months |
6.49% |
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| Used Boats & RVs (2010 - 2012) |
Term |
APR* |
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Minimum Loan $10,000 - Maximum Loan $50,000
Not to exceed NADA retail value. |
72 Months |
7.19% |
| 96 Months |
7.44% |
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| Used Boats & RVs (2007-2009) |
Term |
APR* |
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Minimum Loan $10,000 - Maximum Loan $50,000
Not to exceed NADA retail value. |
72 Months |
7.94% |
| 96 Months |
8.14% |
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| Used Boats & RVs (2006 & Older) |
Term |
APR* |
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Minimum Loan $7,500 - Maximum Loan $30,000
Not to exceed NADA retail value. |
Up To 72 Months |
8.49% |
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| Some special requirements may apply to long-term boat and RV loans. Please call the L.E.O. office for additional information. Longer terms may be approved by the Board. |
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| Home Improvement Loans |
Effective September 1, 2011 |
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| Maximum Loan $7,500 |
Up to 60 Months |
9.75% |
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| Signature Loans |
Effective September 1, 2011 |
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Minimum Of $500 Including Adding
To Existing Loan
12.00% APR* -
$50.00 Minimum Monthly Loan Payment. |
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| Years of Continuous Employment |
Loan Limits |
Terms |
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| 3 Months To 1 Year |
$1000.00 |
up to 18 Months |
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| 1 To 3 Years |
$2000.00 |
18 Months |
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| 3 To 5 Years |
$3000.00 |
24 Months |
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| 5 To 10 Years |
$4000.00 |
30 Months |
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| 10 To 15 Years |
$5000.00 |
36 Months |
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| 15 Years & Over |
15 Years & Over |
15 Years & Over |
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| *"Best" rate offer applies to qualified members based on debt-ratio and credit score. Actual rate offered may be higher. Contact the credit union for details. |
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