|
|
|
Effective 01/31/2008 Rates subject to change without prior notice
* Loan given to qualified applicants; excluding tax, license and registration fees; financing for used cars based on NADA used car book.
APR = Annual Percentage Rate
APY = Annual Percentage Yield
| New Vehicle Loan Rates |
| Term |
Rate |
Conditions |
| 24 mos |
5.00% APR |
100% * Financing |
| 36 mos |
5.00% APR |
100% * Financing |
| 48 mos |
5.00% APR |
100% * Financing |
| 60 mos |
5.50% APR |
100% * Financing |
| 72 mos |
5.50% APR |
100% * Financing |
| Used Vehicle Loan Rates 2005-2007 |
| Term |
Rate |
Conditions |
| 24 mos |
5.50% APR |
100% * Financing |
| 36 mos |
5.75% APR |
100% * Financing |
| 48 mos |
6.50% APR |
100% * Financing |
| 60 mos |
7.00% APR |
100% * Financing |
| Used Vehicle Loan Rates 2003, 2004 |
| Term |
Rate |
| 24 mos |
6.00% APR |
| 36 mos |
7.00% APR |
| Signature Loans |
| Term |
Rate |
| 24 mos |
10.00% APR |
| 36 mos |
12.50% APR |
| Maximum borrowed is $5,000 |
| Co-Signer Loans |
| Term |
Rate |
| 36 mos |
12.50% APR |
| Maximum borrowed is $7,500. |
| Share Secured Loan Rates |
| Term |
Rate |
| 60 mos |
3.00% over Share Rate |
| VISA Classic Card Rates |
| Term |
Rate |
| Priority Account |
10.99% APR |
See disclosure below |
| Standard |
11.99% APR |
See disclosure below |
| Credit Builder |
12.99% APR |
See disclosure below |
| Home Equity - Mini-Equity Loan Rates |
| Term |
Rate |
5 yrs
7 yrs
10/15 yrs |
8.00% APR*
8.50% APR*
8.75% APR* |
| *Minimum amount borrowed $5,000. Maximum amount borrowed $25,000. 75% loan to value. Fixed rate for life of loan. |
| Home Equity Line of Credit (HELOC) |
| Term |
Rate |
| 20 yrs |
Variable Rate 5.56% Adjusted Annually
According to the current 6 mo. US T-Bill rate plus 3.5%* |
*Minimum amount borrowed $5,000. Maximum amount borrowed $100,000. 75% loan to value. No annual fee. Lifetime ceiling of 6.00%
above your incoming rate. (02/28/07) Lifetime floor of 4.00% |
| FIRST MORTGAGE PROGRAM |
| Term |
Rate |
| |
|
|
Call Nadine Herring for current rates and details.
Loan Department Coordinator
New Haven Main Office 1-888-517-8851 (Ct Only)
1-203-624-7170
|
| |
|
DISCLOSURES: |
Annual
membership |
Grace Period
for purchases |
Method of computing for purchases |
late payment fee |
over The limit fee |
cash advance fee |
| none |
25 days |
average daily balance
including new purchases |
$10.00 |
$10.00 |
none |
| Annual Percentage Rate for Cash Advances: Priority Account 10.99% APR, Standard 11.99% APR, Credit Builder 12.99% APR. |
At the date this application was printed the information above was accurate.
Because rates and terms are subject to change, you may contact us for the current information by us. |
A finance charge will be imposed on Credit Purchases only if elect not to pay the total new balance shown on your monthly statement for the previous cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on the previous monthly statement within that 25 day period, a finance charge will be imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on new credit card purchases from the date of posting to your account during the current billing cycle and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from closing date.
The Finance Charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of credit purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new credit purchases posted to your account and subtracting any payment as received and credit as posted to your account, but excluding any unpaid finance charges.
A finance charge will be assessed on cash advances from the date of the cash advance or the first day of the billing cycle in which the cash advance is posted, whichever is later and will continue to accrue until payment is made in full. |
|
|
Loan Rates
