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Risk-Based| Loans| Mortgage| Savings| Certificates
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Your interest rate could be up to 1.50% less on vehicle loans (excluding VISA and Over-draft protection); maximum discount on signature loans is 1.00% depending on the services that you have with the credit union. .25% discount is offered for each of the following: 1- Share Draft Account; 2- Money Market, CD, or IRA; 3- VISA;4- Direct Deposit/Automatic Payment; 5- Down payment of 10% or greater on a vehicle purchase; and 6- on second (or greater) vehicle loan made within a twelve month period. Ask a Loan Officer for further information.
The following rates include all discounts and are effective July 1, 2008.
Your Annual Percentage Rate may vary depending on your creditworthiness. Please ask a loan officer for details regarding how your rate is determined. The following rates include all of the above noted discounts:
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Used Auto Loans < $7,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 36 Months |
4.75 |
5.50 |
6.50 |
8.25 |
10.25 |
New Auto Loans < $25,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 48 Months |
4.75 |
5.50 |
6.50 |
8.25 |
10.25 |
| 60 Months |
5.00 |
5.75 |
6.75 |
8.50 |
10.50 |
New Auto Loans $25,001 - $35,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 72 Months |
5.50 |
6.25 |
7.25 |
9.00 |
11.00 |
New Auto Loans $35,001 - $75,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 84 Months |
6.00 |
6.75 |
7.75 |
9.50 |
11.50 |
Used Auto Loans $7,001 - $10,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 48 Months |
5.00 |
5.75 |
6.75 |
8.50 |
10.50 |
Used Auto Loans $10,001 - $25,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 60 Months |
5.50 |
6.25 |
7.25 |
9.00 |
11.00 |
Used Auto Loans $25,001 - $35,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 72 Months |
6.00 |
6.75 |
7.75 |
9.50 |
11.50 |
Used Auto Loans $35,001 - $75,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 84 Months |
6.50 |
7.25 |
8.25 |
10.00 |
12.00 |
Recreaton Vehicle Loans < $15,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 60 Months |
7.00 |
7.75 |
8.75 |
10.00 |
12.00 |
Recreation Vehicle Loans $15,001 - $35,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 84 Months |
7.50 |
8.25 |
9.25 |
10.50 |
12.50 |
Recreation Vehicle Loans $35,001 - $75,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 120 Months |
8.00 |
8.75 |
9.75 |
11.00 |
13.00 |
Recreation Vehicle Loans $75,001 - $300,000
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 180 Months |
8.50 |
9.25 |
10.25 |
11.50 |
13.50 |
Signature Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 60 Months |
14.00 |
15.00 |
16.00 |
17.00 |
18.00 |
*APR = Annual Percentage Rate
All loans are subject to credit approval. Any policies and rates stated herein are those in effect on the date of publication and are subject to change. All rates are Annual Percentage Rates. Please contact the Credit Union for any changes that may have occurred since this publication. Complete loan disclosures on all loans and lines of credit products will be available at time of application or by visiting the credit union.
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| Loans |
Rate |
APR* |
Term |
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| Over-draft from checking |
18.00 |
18.00 |
24 |
Calculator |
| Platinum VISA cards |
9.99 |
9.99 |
n/a |
Calculator |
| VISA cards |
12.00 |
12.00 |
n/a |
Calculator |
| Share/Certificate Secured - amount over rate |
2.00 |
2.00 |
120 |
Calculator |
*APR = Annual Percentage Rate
All loans are subject to credit approval. Any policies and rates stated herein are those in effect on the date of publication and are subject to change. All rates are Annual Percentage Rates. Please contact the Credit Union for any changes that may have occurred since this publication. Complete loan disclosures on all loans and lines of credit products will be available at time of application or by visiting the credit union.
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| Take Advantage of Today's Low Rates! |
Mortgage/Property Loans
We here at Sonepco want to help you with your home or property refinance or purchase. We will review your over-all financial plan to help you determine your best options. Our recommendations will be based on helping you achieve your loan-terms goals. Our knowedgeable Mortgage Loan Officer can assist you in determining which type of loan is best for you.
We offer the following:
1. Property Loans
2. Second Trust Deeds
3. Home Equity Lines of Credit - First and Second
4. First Trust Deeds
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| The following rates are effective April 1, 2008. |
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The following applies to our Money Market and e-sleep Accounts:
1. The minimum deposit required for you to open your Money Market OR e-sleep Account is $2,500. You must maintain the minimum daily balance of $2,500 in your Money Market OR e-sleep Account to obtain the annual percentage yield stated. If your minimum daily balance drops below $2,500, we will calculate the annual percentage yield based on regular share accounts (for Money Market Accounts) OR regular checking accounts (for e-sleep Accounts).
2. The minimum amount you may withdraw from a Money Market Account is $500.
3. Dividend rates are variable and may change at any time. The rates quoted here are accurate as of publication date. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
4. Accrual of dividends: Dividends begin to accrue on the business day you deposit cash or non-cash items to your account if deposited before 5:30pm. If you close your account before dividends are credited, you will not receive accrued dividends. The credit union utilizes the daily balance method of accruing dividends, which applies a daily periodic rate to the balance in your account each day.
5. Dividends are compounded monthly and paid monthly for Money Market Accounts.
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With the current volatility in the marketplace, these rates are subject to change frequently. Please contact the credit union for our most up-to-the-minute rates!! These rates are effective April 1, 2008.
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| Certificates |
Dividend
Rate
|
APY* |
Term |
| Share Cert - 6 months, $1,000 min |
1.20
|
1.21
|
6 |
| Share Cert - 12 months, $1,000 min |
1.25 |
1.26
|
12 |
| Share Cert - 24 months, $1,000 min |
1.30 |
1.31 |
24 |
| Share Cert - 36 months, $1,000 min |
1.35 |
1.36
|
36 |
| Share Cert - 6 months, $5,000 min |
2.80 |
2.84 |
6 |
| Share Cert - 12 months, $5,000 min |
2.85 |
2.89 |
12 |
| Share Cert - 18 months, $5,000 min |
2.90 |
2.94 |
18 |
| Share Cert - 24 months, $5,000 min |
3.05 |
3.09 |
24 |
| Share Cert - 36 months, $5,000 min |
3.30 |
3.45 |
36 |
| Share Cert - 60 months, $5,000 min |
3.50 |
3.56 |
60 |
*APY = Annual Percentage Yield
The following applies to our Certificates:
1. The minimum deposit required for you to open a Share Certificate Account is indicated above. You must maintain the minimum daily balance to obtain the annual percentage yield stated.
2. The rate indicated is accurate as of publication.
3. We may impose a penalty if you withdraw principal from your account before the maturity date. The penalty imposed shall be as follows: If the maturity period is 1 year or less the member shall forfeit an amount equal to 30 days of dividends. If the maturity period is 1 year or more, the member shall forfeit an amount equal to 90 days of dividends whether earned or not.
4. Certificates will automatically renew, at the same term with the rate changing to the current rate, on the date of maturity.
5. Dividends will be compounded monthly and will be credited monthly and at maturity.
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