| LOAN
RATES |
To Print Rates:
Right-click this page and select Print. |
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| April 1 - June 30, 2008 |
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| Save an extra .25% off all loan rates if you make payments by
Direct Deposit or Payroll Deduction. Rates below do not reflect the .25%
savings. |
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| Type |
Term |
APR** |
Notes |
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| SPRING LOAN |
0-36 mos. |
6.99% |
Over $10,000 requires collateral |
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| "special" |
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| DEBT
CONSOLIDATION (2) |
0-12 mos. |
7.50% |
Over $10,000
requires collateral |
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13-24 os. |
7.75% |
Over $10,000
requires collateral |
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25-36 mos. |
8.00% |
Over $10,000
requires collateral |
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| HOME
IMPROVEMENT (2) |
0-36 mos. |
7.25% |
Over $10,000
requires collateral |
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| AUTO
LOAN (1) |
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100% Financing |
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| New |
0-36 mos.. |
5.50% |
New Vehicles
(2008) - 100% Financing |
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| New |
37-48 mos. |
5.75% |
New Vehicles
(2008) - 100% Financing |
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| New |
49-60 mos. |
6.00% |
New Vehicles
(2008) - 100% Financing |
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| New |
61-72 mos. |
6.50% |
New Vehicles
(2008) - 100% Financing |
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100% Financing |
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| Used |
0-36 mos.. |
5.50% |
Used Vehicles
(2004 - 2007) - 100% Financing |
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| Used |
37-48 mos. |
5.75% |
Used Vehicles
(2004 - 2007) - 100% Financing |
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| Used |
49-60 mos. |
6.00% |
Used Vehicles
(2004 - 2007) - 100% Financing |
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| PERSONAL |
0-36 mos. |
13.00% |
Over $10,000 requires collateral |
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37-60 mos. |
14.00% |
Over $10,000
requires collateral |
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| SHAREDRAFT
CHECKING |
Overdraft Line of Credit |
14.00% |
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| HOME
EQUITY* |
* Maximum Loan $50,000 - No Closing Costs -
Fixed Rates |
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5 Years |
6.00% |
LTV = 80% |
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10 Years |
6.50% |
LTV = 80% |
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| EDUCATIONAL |
0-36 mos. |
7.25% |
College/University/School
invoices required |
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37-60 mos. |
8.00% |
College/University/School
invoices required |
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| SHARE
SECURED |
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Dividend + 3.00% |
Pledge share
(savings) account as collateral |
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| VISA
CREDIT CARD |
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12.90% |
No Annual Fee - 25 day grace period - purchases
and cash advances |
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| (1)All vehicle loans require an insurance card and either a
dealer purchase agreement or, if purchased through a private owner, a copy of
the title. Auto loan amount not to exceed NADA value. |
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| (2) Loan check
must be made payable to the vendor/creditor. |
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| *Maximum loan to value 80% of appraisal value of property. If
loan is cancelled, or equity requirements are not met, applicant is
responsible for the appraisal fee. |
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| **APR = Annual
Percentage Rate |
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| Loan rate specials expire on June 30, 2008, but CHCU reserves
the right to withdraw the offer at any time. Some restrictions may apply. |
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| Rates are based on credit "grade A", your actual rate
may be higher based on your credit score. |
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| SHARE DEPOSITS |
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| Account
Type |
APR* |
APY |
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| Share |
0.50% |
0.50% |
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| Christmas
Club |
0.50% |
0.50% |
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| Vacation
Club |
0.50% |
0.50% |
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| Bond-A-Month |
0.50% |
0.50% |
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| CERTIFICATES
OF DEPOSIT |
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| Term |
APR* |
APY |
Notes |
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| 6
month |
2.50% |
2.50% |
$1,000 minimum
requirement |
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| 12
month |
2.70% |
2.70% |
$1,000 minimum
requirement |
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| 18
month |
2.75% |
2.75% |
$1,000 minimum
requirement |
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| 24
month |
2.80% |
2.80% |
$1,000 minimum
requirement |
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| *A.P.R =
Annual Percentage Rate. Savings rates subject to change. |
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| Rates are
subject to change at any time. |
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