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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**
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NEW AUTO |
AS LOW AS * |
TERM |
FINANCING |
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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. |
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NEW OTHER |
AS LOW AS |
TERM |
FINANCING |
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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
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USED AUTO |
AS LOW AS * |
TERM |
FINANCING |
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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. |
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USED OTHER |
AS LOW AS* |
TERM |
FINANCING |
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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
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RANGE |
INTEREST |
APPROVALS |
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A |
680+ |
Base Rate |
$25,000 or less |
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B |
640-679 |
Base Rate +1.00% |
$25,000 or less |
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C |
600-639 |
Base Rate + 2.00% |
$25,000 or less |
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D |
555-599 |
Base Rate + 4.00% |
Credit Committee |
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E |
554 and below |
Base Rate + 8.00% |
Credit Committee |
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Add ons |
Add an additional.50% |
Terms over 60 up to 72 months. |
DEBT RATIO 45% GROSS
55% NET
OTHER LOANS
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UNSECURED |
AS LOW AS * |
TERM |
FINANCING |
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Signature
Overdraft
Visa
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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 |
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SHARE SECURED |
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Share or Certificate |
5.00% Above Share or Certificate Rate |
Up to 36 Months |
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*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*)
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RANGE |
INTEREST |
APPROVALS |
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A+ |
720+ |
Base Rate |
$10,000 / 2.5% Mo. Inc. |
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A |
680-719 |
Base Rate |
$10,000 / 1.5% Mo. Inc. |
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B |
640-679 |
Base Rate +1.00% |
$10,000 / 1.5% Mo. Inc. |
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C |
600-639 |
Base Rate + 2.00% |
$10,000 / 1.5% Mo. Inc. |
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D |
555-599 |
Base Rate + 4.00% |
Credit Committee |
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E |
554 and below |
Base Rate + 8.00% |
Credit Committee |
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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
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**5 Year** |
AS LOW AS ** |
TERM |
FINANCING |
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60 Months
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5.99% |
36 Months up to 60 Months |
90% of Appraised minus First Mortgage |
$2500-$100,000
Member pays fees |
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*10 YEAR* |
AS LOW AS** |
TERM |
FINANCING |
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120 Months |
6.24%
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61 Months up to 120 Months
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90% of Appraised minus First Mortgage
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$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
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RANGE |
INTEREST |
APPROVALS |
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A |
680+ |
Base Rate |
$25,000 or less |
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B |
640-679 |
Base Rate +1.50% |
$25,000 or less |
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C |
600-639 |
Base Rate + 2.50% |
$25,000 or less |
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D |
555-599 |
Base Rate + 3.50% |
Credit Committee |
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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
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