Current Loan Rates

Effective: April 1, 2012

All Rates Subject to Change.

AUTO LOANS (Up to 72 months)
New Auto – 100% Financing
2.9% APR*
Used Auto
2.9% APR*
New auto – 100% financing plus taxes and license fee or extended warranty.
49 -60 month auto loan available for purchase price greater than $10,000
72 month auto loan available for purchase price greater than $30,000


Used auto purchase price not to exceed 100% of NADA retail value plus taxes and license fee or extended warranty.
37-48 month used auto loan available for purchase price greater than $5,000
*APR is the Annual Percentage Rate.


OTHER TITLED VEHICLES (Up to 60 months)
New Boat, Motorcycle or RV – 100% Financing
8.0% APR*
Used Boat, Motorcycle or RV
8.0% APR*
*APR is the Annual Percentage Rate.


HOME EQUITY LINE OF CREDIT
Home Equity Line of Credit
2.9% APR*
*APR is the Annual Percentage Rate. 2.9% APR introductory rate is applicable for the first 12 months of loan; thereafter rate will adjust quarterly based on Prime Rate published in The Wall Street Journal with a minimum APR of 5.0%, current applicable interest rate floor, and a maximum APR limit of 18.0%. One may borrow up to 90% loan-to-value. No closing costs. Maximum loan amount of $50,000; minimum $5,000 advance required. With an outstanding balance of $10,000, the minimum payment at the maximum APR of 18.0% would be $253.93. Promotion and rates therein are subject to change at anytime and are subject to credit qualifications. As a variable rate loan product, Rate and payment is subject to increase after consummation. Consult a tax advisor concerning tax-deductibility of interest paid on loan. Refinancing of current Four Four Credit Union HELOCs is ineligible. HELOC loans available to Missouri and Illinois residents only.
*APR is the Annual Percentage Rate.


COLLATERAL-SECURED LOANS (Up to 48 months)
Computer/Furniture ($6,000 limit)
9.9% APR*
*APR is the Annual Percentage Rate.


SHARE-SECURED LOANS (Up to 48 months)
100% Share Secured (No limit)
current CD rate + 2%
20% Share Secured ($6,000 limit)
9.9% APR*
*APR is the Annual Percentage Rate.


UNSECURED LOANS Loans (Up to 24 months)
Unsecured Loans ($2,000 limit)
14.5% APR*
Educational Assistance Loan (FRB approved)
12.0% APR*
Bridge Loans (Awaiting Thrift Plan proceeds)
12.0% APR*
*APR is the Annual Percentage Rate.


CREDIT CARD
VISA
9.9% APR*
*APR is the Annual Percentage Rate.

Our commitment to our members in providing competitive and reasonable interest rates includes matching any bona fide interest rate from any dealership or financial institution. (Interest rate floor 1.9%) Loans finalized during the previous 30 days may be revised to these rates. Loan rates are based upon credit approval and certain restrictions may apply.
 

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Auto Loans
Other Titled Vehicles
HELOC
Collateral-Secured
Share-Secured
Unsecured
Credit Card

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“This credit union is federally insured by the National Credit Union Administration.”