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Last Rate Change Effective: 12/31/2012
Note: Rates Are Subject To Change Without Notice.
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| Loan Type |
Amount |
APR* |
Fixed
Term Of Repayment |
Signature |
|
5.99-11.99 |
36 Months |
|
6.49-12.99 |
48 Months |
|
6.99-13.99 |
60 Months |
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| Debt Consolidation |
|
13.5% |
60 Months |
|
12.5% |
48 Months |
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| Home Improvement |
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| Computer |
Up to $7,500
Not to exceed invoiced purchase price.
|
11.0% |
36 Months |
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| Education |
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| Share |
Up to the amount on deposit in shares
|
4.13% |
60 Months |
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| Share Certificate |
Up to the face amount of the certificate
|
+4% |
Certificate Maturity |
| Christmas Club pay-out date is 1 November
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| *APR Is The Annual Percentage
Rate. |
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- 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.
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| 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
|
2.49% To 6.49%**
|
2.24% To 6.24%**
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We will refinance your new car loan purchase with our new car loan rates for up to 90 days after purchase.
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| *APR Is The Annual Percentage
Rate. |
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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
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| 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.
. |
2.99 - 7.49 |
72 Months |
2012 To 2010
|
2.99 - 7.49 |
60 Months |
2009 To 2008 |
2.99 - 7.49 |
60 Months |
2007 Or Older |
Credit Score determines the rate offered.
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.
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| *APR Is The Annual Percentage
Rate. |
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| 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. |
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| 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 |
Prime + 7.5% With checking |
Prime + 8% 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. |
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- Prime is 3.25% since 12/16/2008
- No Annual Fees for
either account
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