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Rates and Terms: |
|
Loan Type |
Maximum Financed |
APR* |
Periodic Rate |
Maximum
Term |
New Auto |
100% |
5.45% |
|
36 mos. |
100% |
5.65% |
|
84 mos.** |
Used Auto
(10 yrs. old or newer) |
Up to 100% |
5.45% |
|
36 mos. |
Up to 100% |
5.65% |
|
84 mos.** |
New RV/Boat |
100% |
7%
†††
|
|
180 mos.** |
Used RV/Boat |
High NADA Book |
7.5%
††† |
|
120 mos.** |
Visa |
$20,000 |
10.5% |
0.028767% |
Revolving† |
Personal Loans |
$100,000 |
6.99% to 12% |
|
12 to 60 mos. |
| Personal Line of Credit |
$100,000 |
12% to 12% |
|
12 to 60 mos. |
Home Equity Line
of Credit |
100% Tax Assessed
or Appraised Value |
5% |
|
20 yrs.† |
Fixed Rate Home
Equity Loan*** |
100% Tax Assessed
or Appraised Value |
6.99% to 7.99% |
|
20 yrs. |
Land |
80% Loan to Value Appraised |
7.5% |
|
20 yrs. |
First Mortgages
(owner occupied)†† |
80% Loan to Value Appraised |
6.15%
6.45% |
|
15 yrs.
20/30 yrs.
|
| Share-secured |
|
Contact Us |
|
|
| Manufactured home Loans |
|
Contact Us |
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*Annual Percentage Rates effective 07/01/2008 and subject to change without notice.
**Maximum term dependent on purchase price. ***Rate dependent on loan-to-value. Contact the Credit Union for additional information. †Variable Rate—Please contact the Credit Union for Terms & Conditions. The maximum APR that will be charged on a variable rate loan is 18%. †† 20% down payment required. Example of terms: 180 monthly payments of $83.04 per $10,000 at 5.75% APR. 240 monthly payments of $71.64 per $10,000 at 6.00% APR. 360 monthly payments of $59.96 per $10,000 at 6.00% APR. Certain third party fees may apply. †††Annual Percentage Rate is fixed for first 60 months and then adjusts to current new or used RV rate at five year intervals.
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Visa Credit Card Fees: |
Grace Period for Purchases |
You have one billing cycle (average 30 days) from the closing date of the statement to repay your balance for purchases before being charged a finance charge. |
Grace Period for Cash Advances |
There is no grace period for Cash Advances. Finance charges start accruing from the date of the transaction.
|
Annual Percentage Rate/
Periodic Rate
|
10.5% Annual Percentage Rate/
.028767% Periodic Rate-Variable† |
Balance Calculation Method
for Finance Charges |
Average Daily Balance (including current transactions). |
Membership Fees |
No Annual Membership Fee. |
Late Payment Fees |
$15 |
Over Credit-Limit Fees |
$15 for each occurrence. |
|
|
Other Visa Credit Card Fees: |
Card Replacement Fee |
$5 |
Transaction Copy Retrieval |
$20 |
Telecommunications Charges |
Any fees assessed for international authorizations obtained by telephone, fax, telex and cable will be passed onto the cardholder in the form of a fee. |
|
†Variable Rate—Please contact the Credit Union for Terms & Conditions. The maximum APR that will be charged on a variable rate loan is 18%.
This Rate & Fee schedule outlines the conditions, rates, fees, and charges applicable to your accounts at Fibre Federal Credit Union as of the effective date 07/01/2008. The Credit Union may offer other accounts, or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth in this schedule and acknowledges that it is part of the Membership Account Agreement. If you have any questions or need current rate or fee information on your accounts, please contact us or call the Credit Union at (360) 423-8750 or write to Fibre Federal Credit Union, PO Box 1234, Longview, WA 98632.
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This credit union is federally insured by the National Credit Union Administration. |
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Disclosure | Fibre Federal © 2003 All Rights Reserved. |
