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Loan Rates

Rates as of 03/06/2014

New Vehicle Loans
Months A Rate
Current or Prior Year Used Vehicles with under 15,000 Miles
36 1.50%
48 1.75%
60 1.95%
Finance Amount > $20,000
72 2.25%
Finance Amount > $30,000
84 2.95%
Used Vehicle Loans
Months A Rate
Used Vehicles (2012) < 35K miles
72 2.75%
2009 to 2013 model
60 2.25%
48 2.25%
36 2.25%
2007 to 2008 model
48 2.75%
2006 and older
36 4.25%

*Vehicle loans include cars, trucks, vans and motor homes.
**Other Secured loans include motorcycles, garden tractors, 4-wheelers, trailers, etc.
***Maximum 48 month for all vehicles with more than 65,000 miles
LTV based on NADA retail for used vehicles or MSRP for new Vehicles
All loans based on creditworthiness. Your actual rate may be higher.
Rates subject to change. Call the credit union for the most current rates.

Rates as of 01/17/2014

Variable Rate Loans
Org Fee Term APR
1% 30 Years 2.99%
1% 30 Years 3.15%
Fixed Rate Loans
Org Fee Term APR
1% 30 Years Quote
1% 10 Years 3.25%
1% 10 Years Max** 4.25%
1% 5 Years 3.00%
Second Mortgage Loans
Org Fee Term APR
1% First Mortgage Rate + 1% if 1st mortgage is not with AlaTrust Credit Union. If we have 1st mortgage, rate is same as stated 1st mortgage rate. (Excludes Quick Close).
Home Equity
Type Term APR
Variable Rate Line of Credit LOC 3.25%
***Construction Line of Credit LOC 8 Mo Balloon 4.25%
*Quick Close Fixed Rate 7 Years 5.25%
*Quick Close Variable Rate LOC 4.25%

*Quick Close Loans are limited to $50,000 max. Minimal closing cost to the member. Minimum loan of $10,000.00.
**Home improvement only, 133% LTV, minimum score 660, see guidelines for complete details.
***Construction loans are interest only payments for 8 month term. Fixed Rate.
Loans over 80% LTV must have PMI (Excludes Quick Close Loans)
Private Mortgage Insurance (PMI) insures the CU for balance over 80%.
All loans are based on creditworthiness. Your actual rate may be higher.
NOTE: All mortgage rates above only apply to minimum loan advances of $15,000 or more.

Rates as of 01/17/2014

Deposit Secured Loans
Description Months A Rate
Shares of Certificates 60 2% Over Dividend Rate
Minimum 3%
Single Payment 12 Not to exceed Maturity of CD
Unsecured Loans
Description Months A Rate
Single Payment 6 9.25%
Line of Credit / OE OE 11.25%
Closed End 12 10.70%
Closed End 24 11.00%
Closed End 48 11.25%
Credit Rebuilding   18.00%
VISA Credit Cards
Description A Rate
VISA Gold (No Annual Fee) 9.95%
VISA Classic (No Annual Fee) 14.95%

*Vehicle loans include cars, trucks, vans and motor homes.
**Other Secured loans include motorcycles, garden tractors, 4-wheelers, trailers, etc.
***Maximum 48 month for all vehicles with more than 65,000 miles
LTV based on NADA retail for used vehicles or MSRP for new Vehicles
All loans based on creditworthiness. Your actual rate may be higher.
Rates subject to change. Call the credit union for the most current rates.

Rates as of 01/17/2014

Boats
Description Months A Rate
Used 48 4.45%
New 60 3.75%
**Other Secured Loans
Description Months A Rate
Used 36 6.00%
New 48 4.75%
New 60 5.00%

*Vehicle loans include cars, trucks, vans and motor homes.
**Other Secured loans include motorcycles, garden tractors, 4-wheelers, trailers, etc.
***Maximum 48 month for all vehicles with more than 65,000 miles
LTV based on NADA retail for used vehicles or MSRP for new Vehicles
All loans based on creditworthiness. Your actual rate may be higher.
Rates subject to change. Call the credit union for the most current rates.