| Loan
Rates Effective Date: April 1, 2009 |
| Loan rates are determined
by credit score. Rates listed below are the lowest rates
possible. |
| |
Vehicle
Loan Rates
New
vehicles financed up to 100% of the purchase price. Used
vehicles financed up to 100 % of NADA retail value. |
24
Months
APR* |
36
Months
APR* |
48
Months
APR* |
60
Months
APR**
|
72
Months*
APR* |
120
Months*
APR* |
| Automobiles (Includes
Vans, Tucks and SUV's) |
|
| New |
4.50% |
4.75% |
4.95% |
5.00% |
5.50% |
N/A |
| Back 3 Model Years |
5.00% |
5.25% |
5.45% |
5.50% |
6.00% |
N/A |
| Back 4 to 7 Model Years |
5.50% |
5.75% |
5.95% |
6.00% |
N/A |
N/A |
|
* 72 Month Loan must be greater than $15,000 |
| Recreational (Motorcycles,
Boats, Motorhomes, Campers, ATVs, Jetskis) |
|
| New |
5.00% |
5.25% |
5.45% |
5.50% |
6.00% |
6.50% |
| Back 3 Model Years |
5.50% |
5.75% |
5.95% |
6.00% |
6.50% |
N/A |
| Back 4 to 7 Model Years |
6.00% |
6.25% |
6.45% |
6.50% |
N/A |
N/A |
| * 72 Month
Loan must be greater than $20,000
* 120 Month Loan must be greater than $40,000
** Used Motorhomes and campers only go back 3 Model
Years |
|
|
| Miscellaneous Collateral |
6.50% |
6.75% |
6.95% |
7.95% |
- |
|
|
| Home
Equity Loans: |
|
10 Year |
15 Year |
|
| Century Preferred Equity |
5.00% |
5.50% |
6.00% |
| Century Fixed Rate Equity |
5.25% |
5.75% |
6.25% |
| Equity Line of Credit |
Prime + 1.25% Up to a 15
Year Payback 10 year Draw Period Current Prime 3.25% |
| DebtBuster/No Equity Loan |
6.25% 5 year payback |
| |
| Mortgage
Loans |
15 Year^ |
20 Year |
30 Year |
*Point
paid to the member to be used for closing cost
^Available for Purchases only
For more information please contact
Barb at 636-464-5037
|
| 1 Point |
5.000% |
5.375% |
5.625% |
| 0 Points |
5.250% |
5.625% |
5.875% |
| -1 Point* |
5.500% |
5.875% |
6.125% |
| |
| Other
Personal Loans: |
|
| Share/Certificate |
Dividend rate + 3.00% APR*
for up to 48 months
(floor rate applies) |
Unsecured Loans Including
Signature Loans, Visa Cards, and Line of Credits
|
8.50% APR - 18.00% APR* |
|
|
| Discounts* :
- Payments made by payroll deduction or automatic
transfer from checking receive .25% discount
- Valuable Member discount .25% (to receive a vmd
a member must have checking, direct deposit, and a
visa credit card)
- Advantage 55 members receive .50% discount
*Discount does not apply to Visa Credit
Cards, Share Secured, Mortgage Products. Maximim discount
of .50%, floor rate applies |
Please contact
Century Credit Union for Home Equity and first mortgage
loans by calling:
314-544-1818 or 1-800-595-8587
*APR = Annual Percentage Rate |
|
|
