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Loan Rates
Effective Date: Thursday, November 20, 2008
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| Loan Type | | Available Terms | APR* |
| Vehicle Loans |
| New Automobiles, Trucks, Vans | | up to 84 Months | 5.24%* |
| Used Automobiles,Trucks, Vans | | up to 72 Months | 6.24%* |
| New/Used RV’s & Boats | | up to 180 Months | 8.00%* |
| New/Used Motorcycles, ATV’s & Watercrafts | | up to 60 Months | 8.00%* |
* Rates include .25% discount for Automatic payment from your UCSCU account. Certain conditions and restrictions apply. Final rate is based on credit worthiness and term of the loan. Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, Credit Life and Disability Insurance. Not all members will receive the lowest interest rate. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. All rates and terms are subject to change without notice.
** No annual fee. 25 day grace period on all purchases. No Cash advance fee. Minimum payment is 2.5% of outstanding balance or $25 Maximum Credit Line is $20,000. |
| Personal Loans & Lines of Credit |
Certificate Secured Loan
100% of Certificate ($500 minimum) | | Up to 48 months. Prior to Certificate Maturity | Certificate Rate +3% |
Share Secured Loans
100% of Share Account ($500 minimum) | | Up to 60 months | Dividend Rate +3%.
5.00% Floor Rate |
| Signature Loan | | Up to 60 months | 11.00% to 18.00%* |
| Credit Cards | | Revolving | 6.90% to 11.90%** |
| Line of Credit | | Revolving | 13.90% to 15.90%* |
| * Rates, Terms and Loan Amounts are based on Approved Credit and determined by a Managed Risk program. Certain conditions and restrictions apply; your rate maybe higher. Final rate is based on credit worthiness. All rates and terms are subject to change. Not all members will receive the lowest interest rate. Maximum combined signature and unsecured line of credit not to exceed $30,000
** No annual fee. 25 day grace period on all purchases. No Cash advance fee. Minimum payment is 2.5% of outstanding balance or $25 Maximum Credit Line is $20,000 |
| Real Estate Loans (Available in California Only) |
| First Trust Deeds | | Available for owner-occupied properties, and for refinancing.
10 year - 30 year loans with fixed or adjustable rates available. | Please call for current rate |
| 2nd Trust Deeds | | Available for owner-occupied properties.
Borrow up to 90% of your home’s equity at a low fixed rate. | Please call for current rate |
| Home Equity Lines of Credit | | Available for occupied properties.
Low closing cost, and competitive rates available | Please call for current rate |
