| Used Vehicles* |
| Vehicles up to 10 years old |
| Annual Percentage Rate (APR) |
| Loan
Term |
Up
to 100% Financing |
90%
Financing |
| 48 months |
2.99% |
2.74% |
| 60 months |
2.99% |
2.74% |
| 72 months |
3.74% |
3.49% |
| 84 months |
4.24% |
3.99% |
*Effective 08/11/10. Existing loans not eligible for refinancing. |
New Vehicles*
Untitled Vehicles |
| Annual Percentage Rate (APR) |
| Loan Term |
Up to 100% Financing |
90% Financing |
| 48 months |
2.99% |
2.74% |
| 60 months |
2.99% |
2.74% |
| 72 months |
3.49% |
3.24% |
| 84 months |
3.99% |
3.74% |
*Effective 8/11/10. Existing loans not eligible for refinancing. New vehicle rates apply only to vehicles titled for the first time. |
Large Recreational Vehicles*
Camp trailers, motor homes, fifth wheels, boats |
| Annual Percentage Rate (APR) |
| Loan Term |
90% Financing |
| 72 months |
5.50% |
| 84-143 months |
5.75% |
| 144-179 months |
6.00% |
| 180-240 months |
6.25% |
*Effective 07/07/10 Existing loans not eligible for refinancing. |
Personal Recreational Vehicles*
Personal watercraft, snow machines, ATVs, motorcycles, scooters. |
| Annual Percentage Rate (APR) |
Loan Term |
90% Financing |
24 months |
6.00% |
| 36 months |
6.50% |
| 48 months |
7.00% |
| 60 months |
7.50% |
*Effective 07/07/10. Existing loans not eligible for refinancing.
Vehicle/RV
loan rates are available to members on approved
credit and assume payments are made automatically
from a Share or Share Draft account. Rates quoted are for FICO scores of 720 or higher.
Certain
restrictions apply and rates may change.
ISU Credit Union attempts to update rates immediately
whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7114.
Loan
Type |
Interest Rate
|
APR |
| 1st Mortgage Purchase or Refinance |
Call (208) 235-7113
for today's
rates |
|
| |
|
|
In-House Specialty Mortgages* |
| 3-year Balloon |
5.45% |
5.845% |
| 5-year Balloon |
5.70% |
5.954% |
| 7-year Balloon |
5.95% |
6.146% |
| Home Equity Line of Credit** |
6.94% Fixed
|
6.94% Fixed |
| Home Equity Line of Credit*** |
3.75% Variable |
3.75% Variable |
*Based on an $80,000 loan at 80% LTV and
includes discounts for automatic payment from a Share or Share Draft Account. APR includes a 1%
origination fee. Balloon loans
are amortized for 360 months. (Payment
examples based on criteria listed above
are as follows: 7-year balloon, 83 monthly
payments of $477.07 and a final payment
of $72,124.55.
**Based on an 84-month repayment
term, 80% LTV and discounts for automatic payment from a Share or Share Draft account. Rates effective 02/10/10.
***Rate effective 07/1/2009. Based on a 240-month repayment term. Variable rate is indexed to the Wall Street Journal prime rate less .25% with a floor rate of 3.75% and a maximum rate of 14.00%. Rate reprices monthly. Loan proceeds are on a 10-year draw. Loan terms and rates on approved credit.
Call for qualifications and rates on our
0 down, 30-yr Conventional Loans. We offer
ARMs, Balloons, and a wide selection of
other loan products. Call today: (208) 235-7113
or Fax (208) 235-7139
Certain restrictions apply, rates
may change and all loans subject to approved
credit.
ISU Credit Union attempts to update rates immediately
whenever a change occurs; however, the listed rates are not guaranteed accurate.
| Loan
Type |
Term
|
APR
(Annual
Percentage Rate) |
| Signature Advances* |
12 months |
6.99% |
| |
24 months |
7.99% |
| |
36 months |
8.99% |
| |
48 months |
9.99% |
| |
60 months |
10.99% |
Line of Credit** |
36 months |
9.24% |
| Pay Advance Loan(PAL)*** |
|
18.00% |
| Share Secured
|
|
4.00% |
| VISA |
|
Low
Introductory Rate |
*Signature
loan rates are available to members on approved
credit and assume payments are made automatically
from a Share or Share Draft Account. Certain
restrictions apply and rates may change.
ISU Credit Union attempts to update rates immediately
whenever a change occurs; however, the listed
rates are not guaranteed accurate.
**Effective 08/01/09
***$25
annual fee applies. 5% of each PAL
advance will be deposited to the PAL share
account.
We do business in accordancewith
the Federal
Fair Housing Law and
the Equal Credit Opportunity
Act.
|
Equal
Housing Lender. 
