Loan Rates
As of July 29, 2010
| Autos* | |||||
| Credit Score | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months |
| APR | APR | APR | APR | APR | |
| 730+ | 2.99 % | 3.49 % | 3.99 % | 4.49 % | 5.49 % |
| 700-729 | 3.79 % | 4.29 % | 4.79 % | 5.29 % | 6.29 % |
| 680-699 | 4.19 % | 4.69 % | 5.19 % | 5.69 % | 6.69 % |
| 660-679 | 5.19 % | 5.69 % | 6.19 % | 6.69 % | 7.69 % |
| 640-659 | 6.44 % | 6.94 % | 7.44 % | 7.94 % | 8.94 % |
*Maximum Loan Amounts: New $60,000; Used $40,000. These APRs assume a 20% down payment on the purchase of a vehicle under 5 model years. Your final APR may be higher depending upon the amount of your down payment and the age of the vehicle.
Payment example: Loan amount of $15,000 at 3.99% APR for 48 months would have monthly payments of $338.25.
| VISA® Interest Rates and Interest Charges (As of 01/01/09 ) | |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances. | Visa Gold: 9.99% Visa Gold Plus: 11.99% Visa Classic: 12.99% |
| These APRs will vary with the market based on the Prime Rate. | |
| How to avoid paying interest for purchases | Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website at www.federalreserve.gov/creditcard. |
| Fees | |
| Annual Fee | None |
| Transaction Fees | |
Cash Advance |
Either 2% or $2.00 of the amount of cash advance, whichever is greater. |
|
1.0% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or in a foreign currency. |
| Penalty Fees | Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Late Payment |
$25.00 |
Returned Payment |
$29.00 |
Balance Computation Method:
Average daily balance including new purchases.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
| Signature Line of Credit | ||
| Term | Credit Limit | APR |
| Revolving Credit Score: 700+ |
Min: $1,500 Max: $10,000 |
4.00% |
| Unsecured Signature Loan* | ||
| Credit Score | 24 Months | 48 Months |
| Credit Score: 700+ | 11.00 % | 12.00 % |
| Credit Score: 680-699 | 12.00 % | 12.25 % |
*Minimum loan amount is $1,500.00. Maximum loan amount is $30,000.
Payment example: Loan amount of $5,000 at 12.00% APR for 48 months would have monthly payments of $131.27.
| Savings Secured | ||
| Term | Maximum Loan | APR |
| Up To 60 Months No Credit Score Required |
Account Balance | 6.00 % |
| Certificate Secured | ||
| Term | Maximum Loan | APR |
| Due At CD Maturity No Credit Score Required |
Account Balance | CD Rate + 2.25 % |
| Other Secured Loans1 | |||
Type |
Maximum Term | Maximum Loan | LTV |
Motorcycle—New |
60 months |
$35,000 | 75% |
Motorcycle—Used |
60 months | $25,000 | 75% |
Motorhome—New |
144 months2 | $100,000 | 75% |
Motorhome—Used |
144 months2 | $70,000 | 75% |
Vessel— New |
144 months2 | $75,000 | 75% |
Vessel—Used† |
144 months2 | $50,000 | 75% |
1Age of vehicle cannot be older than 5 model years.
2Maximum term on purchases only. Refinance terms will differ.
| Other Secured Loan Rates | |
| Credit Score | APR |
| 730+ | 10.49 % |
| 700-729 | 10.74 % |
| Mortgage Loans |
| Contact our Mortgage Lending Department for details on: |
| Home Equity Line of Credit |
| Owner and Non-Owner Occupied First Mortgages |
| Owner-Occupied Second Mortgages |
| Fixed and Adjustable-Rate Loans |
| Mobile Home Loans |
All loans are subject to credit approval and income documentation. Rates are subject to change daily. Please call 831.479.6000 to obtain current rate information.
| APR — | Annual Percentage Rate | ||
| LTV — | Loan to Value |