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Loan Rates
Rates as of November 20, 2009
Home Equity
| Account Type |
Term |
APR (when member pays fees) |
APR (when Credit Union pays fees) |
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| Variable Rate Line of Credit (P&I Payments) |
0-240 months |
n/a |
4.00%
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| Fixed Rate Home Equity (Up to 65% LTV) |
0-180 months |
Market rates change daily. |
Appraisal and Title Search Required. Fees paid by member.
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| Fixed Rate Home Equity (Up to 75% LTV - 1st lien position) |
0-180 months |
Market rates change daily. |
Appraisal and Title Search Required. Fees paid by member.
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| Fixed Rate Home Equity (Up to 75% LTV - 2nd lien position) |
0-60 months |
7.00% |
7.50%
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61-120 months |
7.50% |
8.00%
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121-180 months |
8.00% |
8.50%
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Variable rate based on Prime and Line of Credit Amount
New Auto Loans
| Model Year |
Term |
APR |
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| 2005-2009 |
Up to 60 months |
As low as 4.49%*
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| 2008-2009 |
Up to 72 months |
As low as 5.99%*
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**Includes reduction of .25% if 20% down payment or more and reduction of .25% with "New Member Thank You" voucher.
72 month term financing available on new vehicles with approved credit.
100% financing available to qualified members.
Used Auto Loans
| Model Year |
Term |
Rates (as low as) |
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| 2000 - 2004 Models |
up to 48 months |
As low as 6.90%**
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**Includes reduction of .25% if financing below for NADA trade in value and reduction of .25% with "New Member Thank You" voucher.
100% Financing available to qualified members.
UNSECURED LOANS
| Term |
Rates |
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| Up to 48 months |
as low as 10%* |
**Includes reduction of .25% with "New Member Thank You" voucher.
SHARE & CERTIFICATE SECURED LOANS
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Rates |
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| Special terms and restrictions apply |
dividend rate + 3% |
VISA PLATINUM
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Rates |
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| No Annual Fee. No Balance Transfer Fee |
8.8% - 20.8% |
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Your share deposits are insured to $250,000 per account. This institution is not federally insured.
Copyright © 2008, All Rights Reserved | Credit Union 1, 200 East Champaign Avenue, Rantoul, IL 61866
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