Loan Rates

Auto Loans

 

Rates as of April 16, 2014

 

Rate Matching is available

*Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.

Loan Rates F=fixed V=variable APR as low as Repayment period Max Amt Financed
New/Used Autos Fixed Rate 1.99%* Up to 36 months(e) up to 100% Purchase Price
New/Used Autos  Fixed Rate 2.19%* Up to 60 months(e) up to 100% Purchase Price
New/Used Autos Fixed Rate  

2.49%3.75%*

Up to 72 mo’s(e)Up to 84 mo’s(e) Up to 100% Purchase Price
Used Autos (2004 and older) Fixed Rate 4.45%* Up to 48 months(e) Up to 100% Purchase Price
Special Offering      
Antique/Classic Autos (21 model yrs +) Fixed Rate 4.45%* Up to 36 months(e) Up to 100% Purchase Price
Antique/Classic Autos(21 model yrs +) Fixed Rate 4.45%* Up to 48 months(e) Up to 100% Purchase Price

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.

Visa, Signature & Personal Line-of-Credit

 

Rates as of April 16, 2014

*Rates Shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment.

Loan Rates F=fixed V=variable APR as low as Repayment period Maximum Available
Signature Fixed Rate 10.80%* Up to 12 Months(e) Up to $10,000
Signature Fixed Rate 11.15%* Up to 24 months(e) Up to $10,000
Signature Fixed Rate 11.40%* Up to 36 months(e) Up to $10,000
Personal Line-of-Credit Variable Rate   8.25% – 18.00%1 Open End Up to $10,000
Classic Visa Fixed Rate 12.90%2 Open End Up to $10,000
Platinum Visa Fixed Rate Call for Rate3 Open End Up to $25,000

* Annual Percentage Rate may be higher depending on credit and other qualifying factors. Visa and PLOC do not qualify for .50% rate reduction.

1 Annual percentage rate may vary, no annual fee.

2Cash advance fee $5.00, no annual fee, late payment fee $25.00, card replacement fee $10.00, grace period for repayment of the balance for purchases 25 days. APR does not include fees.

3Cash advance fee $5.00 or 3% of amount, no annual fee, late payment fee $35.00, card/PIN replacement $5.00, Returned Check Charge: $20.00. Grace period for repayment of balance for purchases 25 days. APR does not include fees.

Full Visa Platinum Disclosure

Full Visa Classic Disclosure

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1st Mortgages – Home purchase, 2nd home/vacation home purchase,  and refinances available.

2nd Mortgage’s, Home Equity Lines-of-Credit and many other mortgage services available.  Rates vary depending on your credit qualifications with terms up to 180 months. 

Please contact the loan department at 503-253-8193 ext 340 for more information.


Boat & Recreational Vehicle Loans

 

Rates as of April 16, 2014

*Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.

Loan Rates F=fixed V=variable APR as low as Repayment Period Max Amt Financed
New Boat Fixed Rate 4.99%* Up to 72 months(e) Up to 100% Purchase Price
New Boat Fixed Rate 5.99%* Up to 96 months(e) Up to 100% Purchase Price
New Boat Fixed Rate 5.99%* Up to 120 months(e) Up to 100% Purchase Price
New Boat Fixed Rate 6.99%* Up to 144 months(e) Up to 100% Purchase Price
Used Boat  Fixed Rate 4.99%* 6.99%* Up to 72 months(e)Up to 84 months(e) Up to 100% Purchase Price
Used Boat Fixed Rate 6.99%* Up to 120 months(e) Up to 100% Purchase Price

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.

Rates as of April 16, 2014

*Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.

Loan Rates F=fixed V=variable APR as low as Repayment Period Max Amt Financed
New Recreational Vehicle Fixed Rate 4.99%* Up to 72 months(e) Up to 80% Purchase Price
New Recreational Vehicle Fixed Rate 5.99%* Up to 96 months(e) Up to 80% Purchase Price
New Recreational Vehicle Fixed Rate 5.99%* Up to 120 months(e) Up to 80% Purchase Price
New Recreational Vehicle Fixed Rate 6.99%* Up to 144 months(e) Up to 80% Purchase Price
Used Recreational Vehicle (within 10 model yrs) Fixed Rate 4.99%* 6.99%* Up to 72  mo’s   Up  to 84 mo’s (e) Up to 80% Purchase Price
Used Recreational Vehicle Fixed Rate 6.99%* Up to 120 months(e) Up to 80% Purchase Price

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.  

Motorcycle, ATV & Jet Ski

 

Rates as of April 16, 2014

*Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.

 

Loan Rates F=fixed V=variable APR as low as Repayment period Max Amt Financed
New Motorcycles Fixed Rate 5.99%* Up to 60 months(e) Up to 100% Purchase Price
New ATV or Jet Ski Fixed Rate 8.89%* Up to 60 months(e) Up to 100% Purchase Price
Used Motorcycles Fixed Rate 6.34%* Up to 60 months(e) Up to 100% Purchase Price
Used ATV or Jet Ski Fixed Rate 9.15%* Up to 60 months(e) Up to 100% Purchase Price

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.  

Share/Certificate Secured

 

Rates as of April 16, 2014

Loan Rates F=fixed V=variable APR Repayment Period Max Amt Financed
Share Secured Fixed Rate 3.00% above Dividend Rate Up to 144 months(e) Balance of Acct
Certificate Secured Fixed Rate 3.00% above Dividend Rate Up to Certificate Maturity Date Balance of Acct

  

 

Life/Disability Insurance

 

What are Credit Life and Credit Disability Insurance?

Credit Life insurance pays off a member’s eligible outstanding loan balance, up to the policy maximum, if he or she dies before the loan is repaid and the claim qualifies. 

Credit Disability makes a member’s eligible loan payment, up to the monthly maximum, if he or she is totally disabled by a covered illness or injury.  Ask your loan officer for details on your next visit. 

 

MRC & GAP Coverage

 

Mechanical Repair Coverage

Mechanical Repair Insurance coverage covers the cost of repairs to items covered by the policy. The premium for the coverage is paid at the time your loan is granted and added to your loan balance if you wish. The policy is transferable if you sell your vehicle prior to the policy expiration.

GAP Coverage

GAP (Guaranteed Auto Protection) coverage is offered in connection with your financing the purchase of a vehicle. GAP Insurance provides you protection in the event your vehicle is stolen or totalled. Talk with your loan officer about the advantages of this policy.