♦ Loan rates listed below are the lowest available to qualified borrowers, your loan rate and term is determined by your credit history and may be different. APR = Annual Percentage Rate. Rates are subject to change.
Rates Effective: 5/12/2008
| AUTO, TRUCK & LARGE MOTORCYCLE LOANS (750cc more) |
RATES |
APR* |
TERMS |
APPLY |
Calculator |
| New/Used |
5.990 |
5.990 |
Up to 36 Months
|
APPLY |
Calculator |
| New/Used |
6.240 |
6.240 |
Up to 72 Months |
APPLY |
Calculator |
|
New/Used
|
6.740
|
6.740 |
Up to 84 Months |
APPLY |
Calculator |
|
*Special: New/Used Limited Time Only
|
4.990 |
4.990 |
Up to 72 Months |
APPLY |
Calculator |
| BOATS & RV LOANS |
|
|
|
|
|
| 80% LTV |
5.740 |
5.740 |
Up to 72 Months |
APPLY |
Calculator |
| 100% LTV |
6.240 |
6.240 |
Up to 72 Months |
APPLY |
Calculator |
|
80% LTV/ Minimum amount for terms over 120
months is $30,000
|
6.490 |
6.490 |
Up to 180 Months |
APPLY |
Calculator |
|
100% LTV/ Minimum amount for terms over 120
months is $30,000
|
6.990 |
6.990 |
Up to 180 Months |
APPLY |
Calculator |
| EQUITY LOANS - FIXED RATE |
|
|
|
|
|
| First deed of trust up to 100% LTV (Call For Rates) |
-------- |
-------- |
Up to 180 Months |
APPLY |
Calculator |
| Second deed of trust 80% LTV |
5.990 |
5.990
|
Up to 180 Months |
APPLY |
Calculator |
| Second deed of trust 90% LTV |
6.990 |
6.990 |
Up to 180 Months |
APPLY |
Calculator |
| Second deed of trust 100% LTV |
7.990 |
7.990 |
Up to 180 Months |
APPLY |
Calculator |
| First deed of trust up to 100% LTV (Call For Rates) |
-------- |
-------- |
Up to 240 Months |
APPLY |
Calculator |
| Second deed of trust 80% LTV |
6.490 |
6.490 |
Up to 240 Months |
APPLY |
Calculator |
| Second deed of trust 90% LTV |
7.490 |
7.490 |
Up to 240 Months |
APPLY |
Calculator |
| Second deed of trust 100%LTV |
8.490 |
8.490 |
Up to 240 Months |
APPLY |
Calculator |
| First deed of trust up to 90% LTV (Call For Rates) |
------- |
--------- |
Up to 360 Months |
APPLY |
Calculator |
| HOME EQUITY LINE OF CREDIT (HELOC) - VARIABLE RATE |
|
|
|
|
|
|
Up to 100% LTV Introductory Rate listed is valid for
three (3) months then the rate is as low as 5.00%
|
4.740 |
4.740 |
N/A |
APPLY |
Calculator |
| PERSONAL SECURED LOANS |
|
|
|
|
|
|
Motorcycles under 750cc; personal watercraft, ATV's and
Snowmobiles up to 100% LTV
|
7.490 |
7.490 |
Up to 60 Months |
APPLY |
Calculator |
| PERSONAL UNSECURED LOANS |
|
|
|
|
|
| Lifestyle Loans |
9.9000 |
9.9000 |
Up to 60 Months |
APPLY |
Calculator |
| Signature |
11.990 |
11.990 |
Up to 60 Months |
APPLY |
Calculator |
| Holiday Helper (Available October - December) |
11.990 |
11.990 |
Up to 12 Months |
APPLY |
Calculator |
| CREDIT CARDS |
| Student Visa |
12.900 |
12.900 |
N/A |
APPLY |
Calculator |
| Classic Visa |
9.900 |
9.900 |
N/A |
APPLY |
Calculator |
| OTHER LOANS |
|
|
|
|
|
Secured by shares, certificate or money market account.
3% above securing shares rate. |
N/A |
N/A |
Up to 144 Months |
APPLY |
Calculator |
| Mobile or Manufactured Homes (Titled) 80% LTV |
9.500 |
9.500 |
Up to 180 Months |
APPLY |
Calculator |
CONSUMER LOAN DISCLOSURE
A $5.00 application fee may apply on consumer loans. All loans are subject to approval. 100% financing available O.A.C. plus tax and licensing. For LTV purposes on titled vehicles (including: Boats, RV's and Personal Secured Loans) the Pacific Northwest Version of NADA Appraisal Guide will be used by the credit union to determine the value (high book). To qualify for 100% financing on new vehicles not yet listed in the Pacific Northwest Version of NADA, the purchase price must be at or below MSRP. Specialty cars will require special consideration and may require an appraisal.
Rates include a .50% discount for having other PrimeSource loans or PrimeSource visa with at least a $5k balance, or with direct deposit of net payroll into a PrimeSource Checking Account. Your rate and term may be different. In addition rates also include a .25% discount for paying your monthly payments automatically by electronic means.
Auto Loan Special-Discounts do not apply. Rates available on terms up to 72 months. Rates vary depending on credit.
FIXED RATE EQUITY AND MOBILE HOME LOAN DISCLOSURE
Property must be members primary residence. Contact a loan officer for a current quote on fees, rates, terms, and more details. Payment Examples: a 15 year term would be 180 monthly payments as low as $8.44 at 5.99% APR for each 1000.00 borrowed; a 20 year term would be 240 monthly payments as low as $7.46 at 6.49% APR for each $1000.00 borrowed.
HOME EQUITY LINE OF CREDIT (HELOC)
4.74% APR is an introductory (intro) rate available to qualified members and may vary based on credit worthiness and loan to value. Intro rate expires three (3) months from the loan closing date; applies to all balances during the intro period. The rate after the intro period is as low as 5.00% APR ; could be higher based on individual creditworthiness and loan to value. Variable rate indexed to highest prime rate published in the Wall Street Journal 15 days prior to the beginning of the quarter; rate may change quarterly. Rates effective 05/07/08. The maximum APR is 18.00%; minimum is 5.00%. Up to 100% loan-to-value minus any liens; maximum loan amount $200,000.00. 10 year draw period with maximum 180 month repayment period. $75.00 annual non-usage fee when there is no activity within one calendar year. Minimum initial draw required of $2,500.00; third party fees (closing costs) range between $1.00-1,000.00. Minimum advance to have closing costs waived with the exception of any necessary appraisal is $15,000.00. Member is responsible for appraisal fees. If line of credit is closed within 24 months of origination, reimbursement of third party closing costs will be required. Offer valid 05/07/08 and is subject to change. Consult your tax advisor(y) concerning deductibility of interest.
STUDENT VISA
Receive a 1% discount (11.9%) for having a student loan with PrimeSource Credit Union.
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