Your Rates
Lending Rates
Home Equity Line of Credit (HELOC)Rates effective 04/01/2008 |
||||
| Account Type | Payroll Rate | Direct Pay Rate | ||
| Home Equity - Up to 90% LTV - Variable Rate | 6.50 | 7.00 |  |
 |
Payroll deducted payments provide substantial savings in processing costs for the Credit Union. Credit cards and mortgages cannot be paid with payroll deduction. Initial/opening rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. |
||||
Vehicle Loans - Fixed Rate |
|||||
| Account Type | Term | Payroll Rate | Direct Pay Rate | ||
| New Vehicle | Up to 60 Months | 5.75 | 6.25 | |
|
Green Car | Up to 60 Months (new or used) | 4.75 | 5.25 | Green Car | Up to 72 Months (new car only) | 5.00 | 5.50 | New Vehicle | Up to 72 Months | 6.00 | 6.50 | |
Used Vehicle | Up to 60 Months for models 2004-2009 | 5.75 | 6.25 | |
Used Vehicle | Up to 48 months for models prior to 2004 | 5.75 | 6.25 | |
Rates are subject to change without notice. Please check with a branch office or call our 24-Hour Voice-Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. All 2008 and 2009 models must have less than 10,000 miles to qualify as a new vehicle. |
|||||
Motorcycle, Boat and RV LoansLoan rates are based on credit history, profile and loan terms. Annual Percentage Rate (APR) may change without notice. |
||||||
| Account Type | Term | Payroll Rate | Direct Pay Rate | Comments | ||
| New & Used Boat | Up to 72 Months | 8.25 | 8.75 | Fixed Rate | |
New & Used Motorcycle | Up to 72 Months | 8.25 | 8.75 | Fixed Rate | |
New & Used RV Loans | Varies by type | 7.75 | 8.25 | Fixed Rate | |
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. |
||||||
Salary Advance Loan (Payday Loan) |
|||||
| Account Type | Term | Amount | Payroll Rate | ||
| Salary Advance Loan | Open-end | $500 maximum | 12.00 | ||
Credit Cards |
||||
| Account Type | Direct Pay Rate | Comments | ||
| Visa | 9.75 | Variable Rate | |
|
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. |
||||
Personal Loans |
|||||
| Account Type | Payroll Rate | Direct Pay Rate | Comments | ||
| Personal Loan - Open and Closed End | 10.75 | 11.25 | Variable Rate | |
Personal Loan - Unsecured and Secured | 10.75 | 11.25 | Variable Rate | |
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. |
|||||
Computer Loans |
||||||
| Account Type | Term | Amount | Payroll Rate | Direct Pay Rate | ||
| Computer Loan | 36 Months | $3,500 Maximum | 6.50 | 7.00 | |
|
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. |
||||||
Secured Loans |
||||||
| Account Type | Term | Payroll Rate | Direct Pay Rate | Comments | ||
| Share Secured | Up to 24 months | 5.00 | 5.00 | Fixed Rate | |
Share Secured | 25 to 48 months | 5.50 | 5.50 | Fixed Rate | |
Share Secured | 49-120 months | 8.75 | 9.25 | Variable Rate | |
Share Secured Term Note | 6.50 | Fixed Rate | |
Vehicle Secured Term Note - DOT-Vehicle | 10.75 | Fixed Rate | |
Unsecured Loans |
||||
| Account Type | Payroll Rate | Direct Pay Rate | ||
| Unsecured DOT | 10.00 | 10.50 | |
Unsecured Term Note | 11.75 | |
