 |
Effective Date: May 1, 2013
| PERSONAL
LOANS |
APR* |
| One – Five Years |
9.99% to 15.99%** |
Personal Line of Credit
|
9.99%* Credit limit from $500 to $5000 and will be based upon credit score.
|
| MasterCard |
9.99% to 15.99%** Credit Limits are contingent with rate offered to you. |
| |
| Share Secured |
3.00% |
| TOP |
|
| HOME
EQUITY RATES |
APR* |
| 5 Year |
2.49% |
| 10 Year |
2.99% |
|
15 Year***
|
4.50%
|
| |
Minimum amount to borrow is $5,000.00 new money. ***15 year is second lien position only. |
| TOP |
|
| HOME
EQUITY LINE OF CREDIT |
APR* |
| Up to 180 Months |
3.75% 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 48 months
|
2.49%**
|
|
Up to 49-60 months
|
2.89%**
|
|
Up to 61-72 months
|
3.39%**
|
|
Up to 73-78 months
|
3.99%**
|
|
Up to 79-84 months
|
4.49%**
|
New Vehicle Loan Terms
New Untitled vehicles with a minimum amount financed for 72 months is $18,000.00, and the minimum amount financed for 84 months is $20,000.00.
New Vehicles, HORIZON FCU will lend 100% of Manufacturer’s Suggested Retail Price, plus tax and tags.
|
| TOP |
|
| USED
VEHICLE RATES |
APR* |
| 2013- 2011 Up to 60 months |
3.09%** |
| 2013 - 2011 61-72 months |
3.59%** |
| 2010 - 2009 Up to 66 months |
3.99%** |
| 2008 - 2007 Up to 54 months |
4.59%** |
| 2006 - 2005 Up to 48 months |
4.99%** |
| 2004 or Older Up to 36 months |
5.79%** |
Used Vehicle Loan Terms
Used Titled vehicles with a minimum amount financed for 72 months is $18,000.00.
Used Vehicles, HORIZON FCU will lend 100% of NADA average retail value, plus tax and tags.
|
| TOP |
|
| RV/POWERSPORTS RATES |
APR * |
| 2013 - 2011 Up to 60 months |
5.99%** |
| 2013 - 2011 61-96 months |
6.99%** |
| 2010 - 2009 Up to 60 months |
6.79%** |
| 2008 - 2007 Up to 54 months |
6.99%** |
| 2006 - 2005 Up to 48 months |
7.49%** |
| 2004 or older Up to 36 months |
7.99%** |
RV Terms
80% MSRP for New RVs and 80% NADA for Used RVs
|
| 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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|
