Rates

HOLIDAY LOAN SPECIAL - OCTOBER, NOVEMBER & DECEMBER

$2,500.00 @ 9.00% up to 18 months

HOME EQUITY LOAN SPECIAL

5.99% 60 MONTHS AT 80% OF VALUE    OR    6.24% 60 MONTHS AT 90% OF VALUE

**All rates as low as and are subject to change**

NEW VEHICLE LOANS

2008-2009 @  4.75%  up to 60 months

 (2008 to qualify @ 4.75% must be under 6,000 miles)

USED VEHICLE LOAN

2007-2008 @ 4.99% up to 60 months

**GET A NEW CAR LOAN OR REFINANCE FROM ANOTHER INSTITUTION $10,000.00 OR MORE AND GET A $50.00 GAS CARD**

NEW AUTO

AS LOW AS *

TERM

FINANCING

2007-2008

$10,000.00 +

Incl.Auto, Van & Trucks (less than 3/4 tons)

5.00% APR

Up to 60 Months

Add .50% for up to 72 months

100% Financing

New auto includes less than 6000 miles and less than 6 months old.

NEW OTHER

AS LOW AS

TERM

FINANCING

2007-2008

Incl. RV, Campers, Travel Trailers, Boats, Boat Trailers & Motorcycles

6.74% APR

Up to 60 Months

Add .50% for up to 72 months

85% of retail value + tax

Collateral must have value of $2000 or more.

USED VEHICLE LOANS

USED AUTO

AS LOW AS *

TERM

FINANCING

2006-2007

2004-2005

2001-2003

1999-2000

Incl.Auto, Van & Trucks (less than3/4 tons)

5.50% APR

5.75% APR

6.00% APR

7.99% APR

Up to 60 Months

Add .50% for up to 72 months

85% of retail value + taxes

Over 6000 miles on used 2006

Collateral must have value of $2000 or more. Minimum payment is $60

For older models & partially unsecured see unsecured loan rates.

USED OTHER

AS LOW AS*

TERM

FINANCING

2006-2007

2004-2005

2001-2003

Incl. RV, Campers, Travel Trailers, Boats, Boat Trailers & Motorcycles

7.99% APR

8.24% APR

8.74% APR

Up to 60 Months

Add .50% for up to 72 months

85% of purchase + tax

Collateral must have value of $2000 or more.Minimum payment is $60

For older models & partially unsecured see unsecured loan rates.

Risk-Based Pricing For Loans

Installment Loan Interest Rates Based on Credit Score - Vehicles

 

 

RANGE

INTEREST

APPROVALS

A

680+

Base Rate

$25,000 or less

B

640-679

Base Rate +1.00%

$25,000 or less

C

600-639

Base Rate + 2.00%

$25,000 or less

D

555-599

Base Rate + 4.00%

Credit Committee

E

554 and below

Base Rate + 8.00%

Credit Committee

Add ons

Add an additional.50%

Terms over 60 up to 72 months.

DEBT RATIO 45% GROSS

55% NET

OTHER LOANS

UNSECURED

AS LOW AS *

TERM

FINANCING

Signature

Overdraft

Visa

10.99% APR

18.99% APR

12.00% APR

36 Months

No annual fee/3% of balance due monthly

Limited to 1.5% of monthly gross income not to exceed $10,000

Financing limitations include aggregate of signature loan, overdraft and credit card.

Minimum payment $60

SHARE SECURED

Share or Certificate

5.00% Above Share or Certificate Rate

Up to 36 Months

       *These rates are subject to change without notice.

Rate shown is best rate available. Actual rate may depend on credit score and term.

 

Installment Interest Rates Based on Credit Score - Unsecured (excludes Overdraft/Visa*)

 

 

RANGE

INTEREST

APPROVALS

A+

720+

Base Rate

$10,000 / 2.5% Mo. Inc.

A

680-719

Base Rate

$10,000 / 1.5% Mo. Inc.

B

640-679

Base Rate +1.00%

$10,000 / 1.5% Mo. Inc.

C

600-639

Base Rate + 2.00%

$10,000 / 1.5% Mo. Inc.

D

555-599

Base Rate + 4.00%

Credit Committee

E

554 and below

Base Rate + 8.00%

Credit Committee

Add ons

Add an additional.50%

Terms over 36 months up to 48 months.

 

         * while excluded from risk-based table for pricing, total unsecured debt limitations

include personal unsecured, over-draft protection and VISA

 for a combined of $10,000 or 1.5% o f monthly gross - whichever is less.

HOME EQUITY LOANS

**5 Year**

AS LOW AS **

TERM

FINANCING

60 Months

5.99%

36 Months up to 60 Months

90% of Appraised minus First Mortgage

$2500-$100,000

Member pays fees

*10 YEAR*

AS LOW AS**

TERM

FINANCING

120 Months

6.24%

61 Months up to 120 Months

90% of Appraised minus First Mortgage

$2500-$100,000

Member pays fees

** These rates are subject to change without notice.Rate shown is best rate available.

Actual rate will depend on credit score andterms.

      Home Equity Interest Rates Based on Credit Score - 10 Yr.

* Closed End Fixed Rate HEIL

 

RANGE

INTEREST

APPROVALS

A

680+

Base Rate

$25,000 or less

B

640-679

Base Rate +1.50%

$25,000 or less

C

600-639

Base Rate + 2.50%

$25,000 or less

D

555-599

Base Rate + 3.50%

Credit Committee

E

554 and below

Base Rate + 4.50%

Credit Committee

TRIANGLE CREDIT UNION - AN EQUAL OPPORTUNITY LENDER

MAIN OFFICE: (937) 294-4795-LEBANON LOCATION (513) 933-9521

OTHER RATES

C.D. & IRA

RATES

   6 MONTHS            2.75%
 12 MONTHS            3.00%
 18 MONTHS            3.00%
 30 MONTHS            3.10%

 

ACCUMULATOR

0.50

MONEY MARKET

0.50

SAVINGS ACCOUNT

0.50


Triangle Credit Union
2875 Culver Avenue
Kettering, Ohio 45429
937.294.4795
Fax: 937.294.3046
creditunion@trianglecu.com