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Loan
Rates Effective January 1, 2012 - March 31, 2012 |
| Save an
additional .25% off rates if you make your loan payments via direct
deposit/payroll deduction. |
| Type |
Term |
APR** |
Notes |
| |
|
|
|
| Debt
Consolidation Loan Special |
0-36 mos. |
6.74% |
Over $10,000
requires collateral |
| |
36-48 mos. |
9.00% |
Over $10,000
requires collateral |
| |
49-60 mos. |
10.50% |
Over $10,000
requires collateral |
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| AUTO
LOAN (1) |
SPECIAL |
|
100% Financing |
| New/Used |
0-48 mos |
2.99% |
New Vehicles
(2012)/Used Vehicles (2007-2011) |
| New/Used |
49-60 mos |
3.25% |
New Vehicles
(2012)/Used Vehicles (2007-2011) |
| New/Used |
72 mos. |
4.00% |
New Vehicles
(2012)/used Vehicles (2007-2011) |
| |
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|
| HOME
IMPROVEMENT (2) |
0-36 mos. |
7.25% |
Over $10,000
requires collateral |
| |
0-48 mos |
8.25% |
Over $10,000
requires collateral |
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| CREDIT
BUILDER |
0-24 mos |
18.00% |
Maximum
$2,500/24 month term |
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| PERSONAL |
0-36 mos. |
10.00% |
Over $10,000 requires collateral |
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37-48 mos |
10.25% |
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 |
4.25% |
LTV = 80% |
| |
10 Years |
5.00% |
LTV = 80% |
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| EDUCATIONAL |
0-36 mos. |
7.25% |
College/University/School
invoices required |
| |
37-60 mos. |
7.50% |
College/University/School
invoices required |
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| SHORT
TERM LOAN |
1-6 mos |
21.00% |
Amounts between
$200-$1000. Must be member for 1 month. |
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| SHARE
SECURED |
|
Dividend + 3.00% |
Pledge share
(savings) account as collateral |
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| VISA
CREDIT CARD |
|
12.90% |
No Annual Fee - FIXED |
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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. |
|
| (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. |
|
| **A.P.R = Annual
Percentage Rate |
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| Rate is based
on credit "grade A", your actual rate may be higher based on your
credit score. |
| Loan rate
specials expire March 31, 2012, but CHCU reserves the right to withdraw
special offers at any time. |
| All rates are subject to change without
notice. Some restrictions may apply. |
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Savings Rates Effective October 1, 2011 -
December 31, 2011 |
| Share Deposits |
APR* |
APY |
Notes |
| Account Type |
APR* |
APY |
|
| Share |
0.01% |
|
|
| Christmas Club |
0.01% |
0.04% |
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| Vacation Club |
0.01% |
0.04% |
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| Bond-A-Month |
0.01% |
0.04% |
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| CERTIFICATES OF DEPOSIT |
|
|
NOT AVAILABLE AT THIS TIME |
| Term |
APR* |
APY |
Notes |
| 6 month |
|
|
$1,000 minimum requirement |
| 12 month |
|
|
$1,000 minimum requirement |
| 18
month |
|
|
$1,000 minimum
requirement |
| 24
month |
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|
$1,000 minimum
requirement |
| **A.P.R =
Annual Percentage Rate. Savings rates subject to change. |
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