 |
Effective Date: October 1, 2008
| PERSONAL
LOANS |
APR* |
| One – Five Years |
9.99%** |
| MasterCard |
9.99% to 15.99%** Credit Limits are contingent with rate offered to you. |
| |
| Share Secured |
5.50% |
| TOP |
|
| HOME
EQUITY RATES |
APR* |
| 0 to 60 Months |
5.75% |
| 61 to 120 Months |
6.00% |
| 121 to 180 Months |
6.99% |
| TOP |
|
| HOME
EQUITY LINE OF CREDIT |
APR* |
| Up to 180 Months |
5.50% This rate is an adjustable rate. Which can change in January and July of each year. Based on WSJ Prime Rate plus 1/2 percent. Up to a maximum of two percentage points in a calendar year. With an overall maximum of 18%. Loan limits exclude Credit Disability Insurance. (i.e. loan limit + CDI)
|
| TOP |
|
| NEW
VEHICLE RATES |
APR* |
|
Up to 24 months
|
N/A
|
|
Up to 36 months
|
3.99%**
|
|
Up to 48 months
|
4.99%**
|
|
Up to 60 months
|
5.49%**
|
|
Up to 72 months
|
6.49%**
|
Vehicle Loan Terms
New Untitled vehicles with a value of $20,000.00 and over up to 72 months
New Untitled vehicles with a value of $10,000.00 and over up to 60 months
New Untitled vehicles with a value of $7,000.00 and over up to 48 months
New Untitled vehicles with a value of $2,500.00 and over up to 36 months
New Vehicles, HORIZON FCU will lend 100% of Manufacturer’s suggested retail price, plus tax and tags.
|
| TOP |
|
| USED
VEHICLE RATES (less than 5 years old) |
APR* |
| Up to 36 months |
5.99%** |
| Up to 48 months |
5.99%** |
| Up to 60 months |
6.24%** |
| Up to 72 months |
7.49%** |
| USED VEHICLE
RATES (6 years or older) |
APR* |
| Up to 36 months |
7.24%** |
| Up to 48 months |
7.24%** |
| Up to 60 months |
7.49%** |
| Up to 72 months |
8.49%** |
Vehicle Loan Terms
Used Titled vehicles with a value of $20,000.00 and over up to 72 months
Used Titled vehicles with a value of $10,000.00 and over up to 60 months
Used Titled vehicles with a value of $7,000.00 and over up to 48 months
Used Titled vehicles with a value of $2,500.00 and over up to 36 months
Used Vehicles 5 years or newer, HORIZON FCU will lend 100% of NADA average retail value, plus tax and tags.
Used Vehicles 6 to 8 years, HORIZON FCU will lend 85% of NADA average retail value, plus tax and tags.
Used Vehicles 8 years or older, Horizon FCU will lend 60% of NADA average retail value, plus tax and tags.
|
| TOP |
|
| NEW
RV RATES (untitled) |
APR* |
| Up to 60 months |
7.50%** |
| Up to 84 months |
NA |
| Up to 120 months |
8.00%** |
|
|
RV Terms
New RVs, HORIZON FCU will lend 80% of manufacturers suggested retail plus tax and tags.
|
| TOP |
|
| USED
RV RATES |
APR* |
| Up to 60 months |
7.75%** |
| Up to 84 months |
8.25%** |
| Up to 120 months |
NA |
|
|
RV Terms
Used RVs, HORIZON FCU will lend 80% of NADA average retail value plus tax and tags.
|
| TOP |
|
*APR is the Annual Percentage Rate
** The actual rate and term offered to you will be determined by
your credit score and credit report. Rates are subject to change
without notification. Please contact the credit union for current
rates.
Loan Policies and Loan Guidelines are available
upon request at the credit union offices.
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