**These are base rates, the rate may be higher based on your credit history**
|
NEW AUTO, VAN
TRUCKS
|
*AS LOW AS *
|
TERM
|
FINANCING
|
|
2009-2012
|
2.99% APR
|
Up to 72 Months
|
100%Financing
|
|
NEW OTHER
|
AS LOW AS
|
TERM
|
FINANCING
|
|
2011-2012
Incl. RV, Campers, Travel Trailers, Boats, Boat Trailers & Motorcycles
|
5.99% APR
|
Up to 60 Months
Add .50% for up to 72 months
|
85% of retail value + tax
|
USED VEHICLE LOANS
|
USED AUTO
|
*AS LOW AS*
|
TERM
|
FINANCING
|
|
|
2006-2008
2005 BELOW
Incl.Auto, Van & Trucks (less than/4 tons)
|
4.50% APR
4.9% APR
5.50% APR
8.75% APR
|
Up to 60 Months
Term Varies
Term Varies
Term Varies
|
85% of NADA Retail
|
For older models & partially unsecured see unsecured loan rates.
|
|
USED OTHER
|
AS LOW AS*
|
TERM
|
FINANCING
|
|
|
2010-2011
2008-2009
2004-2007
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 retail value + taxes
|
For older models & partially unsecured see unsecured loan rates.
|
|
|
RANGE
|
INTEREST
|
|
A
|
680+
|
Base Rate
|
|
B
|
640-679
|
Base Rate +1.50%
|
|
C
|
600-639
|
Base Rate + 2.50%
|
|
D
|
555-599
|
Base Rate + 3.50%
|
|
E
|
554 and below
|
Base Rate + 4.50%
|
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*)
OTHER RATES
|
UNSECURED
|
*AS LOW AS *
|
TERM
|
FINANCING
|
|
|
Signature
Overdraft
Visa
|
10.99% APR
18.00% 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
|
|
= 5.10%
|
|
|
RANGE
|
INTEREST
|
|
A+
|
720+
|
Base Rate
|
|
A
|
680-719
|
Base Rate
|
|
B
|
640-679
|
Base Rate +1.00%
|
|
C
|
600-639
|
Base Rate + 2.00%
|
|
D
|
555-599
|
Base Rate + 4.00%
|
|
E
|
554 and below
|
Base Rate + 8.00%
|
| |
Add ons
|
Add an additional.50%
|
over-draft protection and VISA for a combined $10,000 or 1.5% of monthly gross income - whichever is less.
HOME EQUITY
|
5 Year
|
**AS LOW AS**
|
TERM
|
FINANCING
|
FEES
|
|
60 Months
|
4.99%
|
36 Months up to 60 Months
|
80% of Appraised minus First Mortgage
|
$ 25.00 Application fee
$175.00 Appraisal fee
$151.00 Title search
$25.00 Flood certification
|
|
10 YEAR
|
**AS LOW AS**
|
TERM
|
FINANCING
|
FEES
|
|
120 Months
|
5.24%
|
61 Months up to 120 Months
|
80% of Appraised minus First Mortgage
|
$ 25.00 Application fee
$175.00 Appraisal
$151.00 Title search
$25.00 Flood certification
|
** These rates are subject to change without notice. Rate shown is best rate available.
Actual rate will depend on credit score and terms.
Home Equity Interest Rates Based on Credit Score - 10 Yr.
* Closed End Fixed Rate HEIL*
TRIANGLE CREDIT UNION - AN EQUAL OPPORTUNITY LENDER
IF YOU ARE LOOKING FOR A COMPANY FOR A FIRST MORTGAGE - WE RECOMMEND:
MEMBER MORTGAGE YOU CAN REACH THEM AT 1-800-945-4506 or www.24-7mortgageonline.com
C.D. & IRA RATES
| 6 MONTH |
0.30% APY 0.30% |
| 12 MONTH |
0.60% APY 0.60% |
| 18 MONTH |
0.75% APY 0.75% |
| 30 MONTH |
1.00% APY 1.01% |
ACCUMULATOR: 0.10 APY: 0.10
MONEY MARKET: 0.10 APY 0.10
SAVINGS ACCOUNT: 0.10 APY 0.10
*These rates are subject to change without notice.
Risk-Based Pricing For Loans
Installment Loan Interest Rates Based on Credit Score
DEBT RATIO 45% GROSS 55% NET
