Loan Rates
Effective Date: September 30, 2011
All rates are subject to change at any time.
New Car Rate
(2010-2012)
|
Rate as
low as
|
Rate as
high as
|
|
84 months
|
4.15% APR
|
10.65% APR
|
|
72 months
|
4.00% APR
|
10.50% APR
|
|
66 months
|
3.85% APR
|
10.35% APR
|
|
60 months
|
3.70% APR
|
10.20% APR
|
|
48 months
|
3.55% APR
|
10.05% APR
|
|
36 months
|
3.40% APR
|
9.90% APR
|
|
24 months
|
3.25% APR
|
9.75% APR
|
Used Car Rates
(2005 - 2009)
|
Rate as
low as
|
Rate as
high as
|
|
84 months
|
4.75% APR
|
11.25% APR
|
|
72 months
|
4.50% APR
|
11.00% APR
|
|
60 months
|
4.25% APR
|
10.75% APR
|
|
48 months
|
3.85% APR
|
10.35% APR
|
|
36 months
|
3.70% APR
|
10.20% APR
|
|
24 months
|
3.55% APR
|
10.05% APR
|
|
Other vehicles 1999-2004
(up to 60 months)
|
5.00% APR
|
11.50% APR
|
|
All other vehicles
(term depends on condition)
|
6.50% APR
|
13.00% APR
|
New Motorhomes,
Travel Trailers & Boats
(2 years old or newer)
|
Rate as
low as
|
Rate as
high as
|
|
97-120 months
|
5.25% APR
|
11.75% APR
|
|
73-96 Months
|
4.75% APR
|
11.25% APR
|
|
49-72 Months
|
4.50% APR
|
11.00% APR
|
|
up to 48 Months
|
3.75% APR
|
10.25% APR
|
Used Motorhomes,
Travel Trailers & Boats
|
Rate as
low as
|
Rate as
high as
|
|
Up to 60 months - 2002-2008
|
6.00% APR
|
12.50% APR
|
|
Up to 60 months - 1998-2001
|
6.25% APR
|
12.75% APR
|
|
Up to 60 months - 1997 and older
|
7.25% APR
|
13.75% APR
|
Motorcycles
(Road use only - must be titled)
|
Rate as
low as
|
Rate as
high as
|
|
Up to 60 months - 2011 & newer
|
5.25% APR
|
11.75% APR
|
|
Up to 60 months - 2007-2010
|
5.50% APR
|
12.00% APR
|
|
Up to 48 months - 2006 & older
|
5.75% APR
|
12.25% APR
|
ATV's, Personal Watercrafts, Dirt Bikes & Other Off Road Vehicles
|
Rate as
low as
|
Rate as
high as
|
|
Up to 60 months
|
6.00% APR
|
12.50% APR
|
Other Collateral
|
Rate as
low as
|
Rate as
high as
|
|
including furniture,
appliances,computers, etc.
|
7.00% APR
|
13.50% APR
|
Share Loans
|
|
|
Pledged against shares
and certificates of deposit
|
3% above dividend
|
Signature Loans
|
Rate as
low as
|
Rate as
high as
|
|
12 Months
|
6.00% APR
|
12.50% APR
|
|
24 Months
|
7.00% APR
|
13.50% APR
|
|
36 Months
|
8.00% APR
|
14.50% APR
|
Home Equity Loans
|
Rate as
low as
|
Rate as
high as
|
|
Up to 60 Months
|
4.50% APR
|
11.00% APR
|
|
61-90 Months
|
4.75% APR
|
11.25% APR
|
|
91-120 Months
|
5.00% APR
|
11.50% APR
|
|
121-144 Months
(1st liens only; minimum loan amount of $40,000)
|
5.25% APR
|
11.75% APR
|
|
145-180 Months
(1st liens only; minimum loan amount of $50,000)
|
5.50% APR
|
12.00% APR
|
Mobile Homes
|
Rate as
low as
|
Rate as
high as
|
|
New Mobile Homes
(Up to 72 months)
|
8.50% APR
|
15.00% APR
|
|
Pre-owned Mobile Homes
(Up to 60 months)
|
9.50% APR
|
16.00% APR
|
Contact the SWOFCU
lending team for current
mortgage and land and lot rates.
|
*** LTV = Loan To Value ***
|
Rates are subject to change without notice. Rates do not apply to existing credit union loans. For Risk Based Pricing the Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.
|
