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Rates as of February 16, 2012
Rates Subject to Change Without Notice.
Consumer Loans: $50 minimum monthly payment; $200 minimum new loan; $500 minimum refinance.
- Loans Listed below in Red have Great Low Rates!
- Vehicle Loan and Signature Loan Rates Listed Below reflect 0.25% rate discount for Direct Deposit or Automatic Loan Payment.
- Home Equity Loans - Discount Details Below*:
- Receive a 0.50% Relationship Pricing Discount for members that have Direct Deposit into their Auburn Community FCU Share Draft Checking Account and Automatic Loan Payment from their Auburn Community FCU Share Draft Checking Account.
- Members may receive only a 0.25% Relationship Pricing Discount if they have Direct Deposit into their Auburn Community FCU Regular Shares Savings Account and Automatic Loan Payment from their Auburn Community FCU Regular Shares Savings Account.
*Offer valid on Home Equity Loans only. New Auburn Community FCU Home Equity Loans only. Existing Auburn Community FCU loans are not eligible for discount. Offer may be withdrawn at any time.
Vehicle Loans
Model Year 2012 - 2011
|
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
1.99% |
Up to 24 Months |
|
2.50% |
Up to 36 Months |
|
2.50% |
Up to 48 Months |
|
2.75% |
Up to 60 Months |
|
3.50%
(Value over $20,000)
|
Up to 66 Months |
|
3.75%
(Value over $25,000)
|
Up to 72 Months |
Payment Example**
A Vehicle Loan of $15,000 at 2.50% Annual Percentage Rate for a term of 48 months would have 48 monthly payments of $328.70 each, with a total repayment of $15,777.73. |
Vehicle Loans
Model Year 2010 - 2007
|
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
2.25% |
Up to 24 Months |
|
2.74% |
Up to 36 Months |
|
2.74% |
Up to 48 Months |
|
3.25% |
Up to 60 Months |
|
3.75%
(Value over $20,000)
|
Up to 66 Months |
|
4.00%
(Value over $25,000)
|
Up to 72 Months |
Payment Example**
A Vehicle Loan of $12,000 at 2.74% Annual Percentage Rate for a term of 36 months would have 36 monthly payments of $347.59 each, with a total repayment of $12,513.32. |
Vehicle Loans
Model Year 2006 Only
|
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
6.50% |
Up to 36 Months |
Payment Example**
A Vehicle Loan of $6,000 at 6.50% Annual Percentage Rate for a term of 36 months would have 36 monthly payments of $183.88 each, with a total repayment of $6,619.76. |
Recreational Vehicle Loans
Model Year 2012 - 2007
|
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
4.75% |
Up to 36 Months |
|
4.75% |
Up to 48 Months |
|
5.25% |
Up to 60 Months |
|
7.49%
(Value over $10,000) |
Up to 84 Months |
|
7.49%
(Finance 80% of Sale Price up to 80% of Retail) |
Up to 120 Months |
- Above Rates Include Boats & Campers
- If NOT A HOMEOWNER add 1.00% to Rate
Payment Example**
A New Recreational Vehicle Loan of $6,000 at 4.75% Annual Percentage Rate for a term of 36 months would have 36 monthly payments of $179.14 each, with a total repayment of $6,449.17. |
Recreational Vehicle Loans
Model Year 2006 or Older
|
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
7.25% |
Up to 48 Months |
|
7.75%
(Value over $10,000. Camper or Boat Only)
|
Up to 60 Months |
Above Rates Are For Boats & Campers Only
Payment Example**
A Used Recreational Vehicle Loan of $6,000 at 7.25% Annual Percentage Rate for a term of 48 months would have 48 monthly payments of $144.36 each, with a total repayment of $6,929.44. |
| Share Secured Loans |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
3.25% |
Up to 36 Months |
|
3.50% |
Up to 48 Months |
|
3.75% |
Up to 60 Months |
Payment Example**
A Shared Secured Loan of $5,000 at 3.25% Annual Percentage Rate for a term of 36 months would have 36 monthly payments of $145.95 each, with a total repayment of $5,254.28. |
| Personal / Other Secured Loans |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
9.50% |
Up to 24 Months |
|
9.99% |
Up to 36 Months |
|
10.49% |
Up to 48 Months |
|
10.99% |
Up to 60 Months |
Payment Example**
A Personal Loan of $7,000 at 10.99% Annual Percentage Rate for a term of 60 months would have 60 monthly payments of $152.15 each, with a total repayment of $9,129.07. |
| Home Equity Loan - 5 Year (Rate Shown Reflects Relationship Pricing Discount with Checking Account) |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
2.74% |
Special - Member Pays Closing Costs |
|
2.99% |
Special - Zero Closing Costs |
|
|
Regular 5-Year Term |
Minimum Loan Amount: $10,000
Maximum Loan Amount: $40,000
Auburn Community Federal Credit Union Loans not eligible for refinance for 5-Year Term Home Equity Loan.
Payment Example**
A Home Equity Loan of $20,000 at 2.74% Annual Percentage Rate for a term of 60 months would have 60 monthly payments of $356.71 each, with a total repayment of $21,402.49.
^Closing costs are subject to recapture if loan/line is closed within 48 months of origination. |
| Home Equity Loan - 7 Year (Rate Shown Reflects Relationship Pricing Discount with Checking Account) |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
4.50% Closing Costs: $0^ |
Up to 84 months |
Minimum Loan Amount: $10,000
Maximum Loan Amount: 80% Loan to Value and to total and unimpaired capital of the credit union.
Payment Example**
A Home Equity Loan of $20,000 at 4.50% Annual Percentage Rate for a term of 84 months would have 84 monthly payments of $278.00 each, with a total repayment of $23,352.33.
^Closing costs are subject to recapture if loan/line is closed within 48 months of origination. |
| Home Equity Loan - 10 Year (Rate Shown Reflects Relationship Pricing Discount with Checking Account) |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
5.49% Closing Costs: $0^ |
Up to 120 months |
Minimum Loan Amount: $10,000
Maximum Loan Amount: 80% Loan to Value and to total and unimpaired capital of the credit union.
Payment Example**
A Home Equity Loan of $40,000 at 5.49% Annual Percentage Rate for a term of 120 months would have 120 monthly payments of $433.93 each, with a total repayment of $52,071.05.
^Closing costs are subject to recapture if loan/line is closed within 48 months of origination. |
| Home Equity Loan - 15 Year (Rate Shown Reflects Relationship Pricing Discount with Checking Account) |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
5.99% Closing Costs: $0^ |
Up to 180 Months |
Minimum Loan Amount: $20,000
Maximim Loan Amount: 80% Loan to Value and to total and unimpaired capital of the credit union.
Payment Example**
A Home Equity Loan of $60,000 at 5.99% Annual Percentage Rate for a term of 180 Months would have 180 monthly payments of $506.05 each, with a total repayment of $91,089.41.
^Closing costs are subject to recapture if loan/line is closed within 48 months of origination. |
| Home Equity Line of Credit |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
Prime |
Up to 180 Months |
- Prime Rate as of January 25, 2012: 3.25%
- FLOOR RATE = 4.50%
- Minimum Draw at Closing is $15,000. Closing costs are not added to the loan.
Prime=Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been publshed, the highest rate will be used. We will use the most recent index value available to us as of 45 days before the date of any quarterly percentage rate adjustment. Wall Street Journal Prime rate as of 01/25/2012 is 3.25%. The APR may vary monthly and will not exceed 18.00%. Fees and Closing costs can range from $10.00 to $1,500.00. For more details, please contact our Loan Department.
Minimum Line Amount: $20,000
Maximum Line Amount: 80% Loan to Value and to total and unimpaired capital of the credit union.
Payment Example**
A Home Equity Line of Credit of $40,000 at 4.50% Annual Percentage Rate for a term of 180 months would have 180 monthly payments of $306.03 each, with a total repayment of $55,084.77. |
| Overdraft Line of Credit |
|
Annual Percentage Rate
Starting As Low As* |
Term |
|
13.00% |
Revolving |
Minimum Line Amount: $200
Maximum Line Amount: $500
Repayment Schedule
Fixed Monthly Payments According to Line Amount:
Up to $500.00 = Minimum $25.00 / Month |
*Annual Percentage Rate. Rates Subject to Change Without Notice. Certain Restrictions May Apply. The rate for this product is determined by applicant credit, payment history, and collateral. Your actual rate may vary. Auburn Community FCU is an Equal Opportunity Lender.
**Payment Example is for the purpose of providing a sample calculation based on the type of loan, loan amount, loan term and Annual Percentage Rate. Your actual payment or rate may vary. Please contact our loan department for more information regarding payment calculations for specific loan products, rates and terms.
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