Auto LoansReal Estate LoansPersonal LoansOther Loans Rates as of 06/01/2018 New Vehicle Loans Months A Rate Current or Prior Year Used Vehicles with under 15,000 Miles 36 1.75% 48 2.00% 60 2.45% Finance Amount > $20,000 72 2.75% Finance Amount > $30,000 84 3.65% Used Vehicle Loans Months A Rate Used Vehicles (2016) < 35K miles 72 3.75% 2012 to 2016 model 60 3.50% 48 3.00% 36 2.75% 2010 to 2011 model 48 4.00% 2009 and older 36 4.50% *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 01/01/2017 Variable Rate Loans 5/1 ARM Org Fee Term APR 1% 30 Years 3.40% Fixed Rate Loans Org Fee Term APR 1% 30 Years Quote 1% 10 Years 3.75% 1% 5 Years 3.50% 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 4.25% ***Construction Line of Credit LOC 8 Mo Balloon 4.75% *Quick Close Variable Rate LOC 4.75% *Quick Close Loans are limited to $150,000 max. Minimal closing cost to the member. Minimum loan of $10,000.00. ** Member pays closing costs. ***Construction loans are interest only payments for 8 month term. Fixed Rate. DGU insured loans - see guidelines for complete details and product types. 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 01/01/2017 Deposit Secured Loans Description Months A Rate Shares of Certificates 60 2% Over Dividend Rate Minimum 3% Not to exceed Maturity of CD Single Payment 12 2% Over Dividend Rate Minimum 3% 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 Platinum (No Annual Fee) 4.99%**** VISA Classic (No Annual Fee) 4.99%***** *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. ****9.95% after 6 month introductory period. *****14.95% after 6 month introductory period. Rates as of 01/01/2017 Boats Description Months A Rate Used 48 4.25% New 60 3.75% **Other Secured Loans Description Months A Rate Used 36 5.25% 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.