| |
|
|
 |
Last Rate Change Effective: 02/24/2010
Note: Rates Are Subject To Change Without Notice.
|
| Loan Type |
Amount |
APR* |
Fixed
Term Of Repayment |
Signature |
|
12.5% |
18 Months |
$1,500 to $4,499.99 |
11.5% |
30 Months |
$4,500 to $7,500 |
12.5% |
42 Months |
|
| Debt Consolidation |
|
13.5% |
18 Months |
$1,500 to $7,500 |
12.5% |
30 Months |
|
| Home Improvement |
|
|
|
|
| Computer |
Up to $7,500
Not to exceed invoiced purchase price.
|
11.0% |
36 Months |
|
| Education |
|
|
|
|
|
|
|
| Share |
Up to the amount on deposit in shares
|
5.05% |
60 Months |
|
| Share Certificate |
Up to the face amount of the certificate
|
+4% |
Certificate Maturity |
| Christmas Club pay-out date is 1 November 2008
|
| *APR Is The Annual Percentage
Rate. |
|
|
- The APR (Annual Percentage Rate) listed is the
true Truth in Lending APR.
- The APR will not increase over the term of your
loan.
- ACSFCU does not charge any loan fees which would
raise the APR for
Federal Truth in Lending calculations.
- The Loans above are closed-end loans with a fixed
term. The entire loan will be repaid at the end of the
Term of Repayment listed with equal monthly payments
over the Term of the Loan.
|
| Loan Type |
Down
Payment |
Without
Pre-Approval APR* |
With
Pre-Approval APR* |
New Auto
Purchase Price not to exceed Manufacturer's
suggested retail or payoff from another instutution
within 90 days of purchase. |
0% Down
|
3.89% To 8.49%**
|
3.64% To 8.24%**
|
20% Down |
3.64% To 8.24%** |
3.39% To 7.99%** |
As low as 3.49% Financing up to 78 months available. **Individual rates are based on FICA credit scores. GAP INSURANCE required for terms over 66 Months. Extended Warranty polices avaiable at discount rates.
|
| *APR Is The Annual Percentage
Rate. |
|
|
When comparing loan rates against your ACSFCU rate
- always ask about loan fees
- always ask for the true APR
- Ask if rates will increase
during the loan
|
| Loan Type |
APR* |
Term |
Applies
To Auto |
Used Auto
Loan not to exceed Retail Value according
to the NADA Official Used Car Guide or payoff amount
from another institution.
. |
4.99% To 8.74%** |
60 Months |
2009 To 2006
|
4.49% To 8.24%** |
48 Months |
2005 To 2003 |
4.39% To 7.99%** |
36 Months |
2002 Or Older |
** Rate may be reduced by 0.25% for loan pre-approval. Rate may be reduced by 0.25% for 20% down payment. Rate reductions may be combined. Individual rates are based on credit scores.
Note: Repayment may be extended to 60 months if Real Property is used as additional security and if the loan amount is over $5,000.00.
|
| *APR Is The Annual Percentage
Rate. |
|
|
|
| Loan Type |
APR* |
Term |
New & Used
Up to 80 % of retail value with maximum $35,000 loan. |
10.5% |
60 Months |
| *APR Is The Annual Percentage
Rate. |
|
|
|
| Loan Type |
Limit |
APR* |
VISA Classic
The Annual Percentage Rate and Monthly Periodic
Rate for existing balances and for both new purchases
and cash advances is: |
Limits From $300 To $10,000 |
10.99% With Checking |
11.49% Without Checking |
|
VISA Platinum
The Annual Percentage Rate and Monthly Periodic
Rate for existing balances and for both new purchases and
cash advances is: |
Limits From $5,000 To $15,000
|
Prime +.75% - Prime+4.75% |
| *APR Is The Annual Percentage
Rate. |
|
|
- Prime is 3.25% as of 12/16/2008
- No Annual Fees for
either account
|
|
| |
|
|
|
|
