7/1/2022
| Description |
Loan-to-Value Maximum
|
Maximum Loan Amount
|
Approximate Term (In Months) | Annual Percentage Rate |
|---|---|---|---|---|
| New Vehicles | Up to 120% |
$75,000
|
84
|
5.75% to 16.00% |
| Used Vehicles ≤ 5 years old |
Up to 120%
|
$75,000
|
84 | 6.50% to 16.00% |
| Used Vehicles > 5 years old |
Up to 120%
|
$40,000
|
60
|
6.50% to 16.00% |
| New & Used Motorcycles |
Up to 100%
|
$30,000 | 60 | 9.25% to 16.00% |
| Visa Standard |
|
$500 to $10,000
|
Revolving
|
11.25% to 15.75% |
| Visa Share Secured |
100% of Share Balance
|
$250 to $2,000 |
Revolving
|
13.75%
|
| Share Secured Loans |
100% of Share Balance
|
|
84
|
4.0% above rate of share collateral |
| Certificate Secured Loans |
100% of Share Balances
|
$500 or more
|
60
|
4.0% above rate of share collateral |
| Fresh Start Loans |
100% of Share Balances
|
$500, $1,000 $1,500 or $2,000 |
6 to 24
|
4.0% above rate of collateral |
| Signature Loans |
|
$50,000
|
48
|
12.00% to 16.00% |
| Signature Loans with Collateral |
Up to 90%
|
$50,000
|
48
|
11.00% to 16.00% |
| Overdraft Line-of-Credit |
|
$250 to $5,000
|
Revolving
|
13.00 to 16.00% |
| Home Equity Line-of-Credit |
80% of appraised value minus first mortgage balance
|
$150,000
|
240
|
5.75% to 6.50% |
Annual Percentage Rate may vary depending on creditworthiness. Additional rate discounts may apply for lower LTV’s, automatic loan payments, Term Certificates or IRAs and/or previous loans paid in full satisfactory with Self-Help FCU and its Divisions.
Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details.
All rates and terms are subject to change without notice.
The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance.
Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details.
All rates and terms are subject to change without notice.
The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance.
