LOAN RATES To Print Rates: Right-click this page and select Print.
April 1 - June 30, 2008
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.
Type Term APR** Notes
SPRING LOAN 0-36 mos. 6.99% Over $10,000 requires collateral
"special"      
       
DEBT CONSOLIDATION (2) 0-12 mos. 7.50% Over $10,000 requires collateral
  13-24 os. 7.75% Over $10,000 requires collateral
  25-36 mos. 8.00% Over $10,000 requires collateral
       
HOME IMPROVEMENT (2) 0-36 mos. 7.25% Over $10,000 requires collateral
       
AUTO LOAN (1)      
      100% Financing
New  0-36 mos.. 5.50% New Vehicles (2008) - 100% Financing 
New 37-48 mos. 5.75% New Vehicles (2008) - 100% Financing 
New 49-60 mos. 6.00% New Vehicles (2008) - 100% Financing 
New 61-72 mos. 6.50% New Vehicles (2008) - 100% Financing 
       
      100% Financing
Used 0-36 mos.. 5.50% Used Vehicles (2004 - 2007) - 100% Financing 
Used 37-48 mos. 5.75% Used Vehicles (2004 - 2007) - 100% Financing 
Used 49-60 mos. 6.00% Used Vehicles (2004 - 2007) - 100% Financing 
       
       
PERSONAL 0-36 mos. 13.00% Over $10,000 requires collateral
  37-60 mos. 14.00% Over $10,000 requires collateral
       
       
SHAREDRAFT CHECKING Overdraft Line of Credit 14.00%  
       
HOME EQUITY* * Maximum Loan $50,000 - No Closing Costs - Fixed Rates    
  5 Years 6.00% LTV = 80%
  10 Years 6.50% LTV = 80%
       
       
EDUCATIONAL 0-36 mos. 7.25% College/University/School invoices required
  37-60 mos. 8.00% College/University/School invoices required
       
SHARE SECURED   Dividend + 3.00% Pledge share (savings) account as collateral
       
VISA CREDIT CARD    12.90% No Annual Fee - 25 day grace period - purchases and cash advances
       
       
       
(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.
*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.
**APR = Annual Percentage Rate
Loan rate specials expire on June 30, 2008, but CHCU reserves the right to withdraw the offer at any time. Some restrictions may apply.
Rates are based on credit "grade A", your actual rate may be higher based on your credit score.
SHARE DEPOSITS      
Account Type APR* APY  
Share  0.50% 0.50%  
Christmas Club  0.50% 0.50%  
Vacation Club  0.50% 0.50%  
Bond-A-Month  0.50% 0.50%  
       
CERTIFICATES OF DEPOSIT      
       
Term APR* APY Notes
6 month  2.50% 2.50% $1,000 minimum requirement
12 month  2.70% 2.70% $1,000 minimum requirement
18 month  2.75% 2.75% $1,000 minimum requirement
24 month  2.80% 2.80% $1,000 minimum requirement
*A.P.R = Annual Percentage Rate. Savings rates subject to change.
Rates are subject to change at any time.