Consumer Loans

Rates & Terms:


New Auto Loan

Maximum Terms - 48 months
Maximum Financed - 100%
APR* - 2.74%


Maximum Terms - 60 months
Maximum Financed - 100%
APR* - 3.24%


Maximum Terms - 72 months
Maximum Financed - 100%
APR* - 3.49%


Maximum Terms - 84 months**
Maximum Financed - 100%
APR* - 3.99%
 


Used Auto
(10 yrs. old or newer)

Maximum Terms - 48 months
Maximum Financed - Up to 100%
APR* - 2.74%



Maximum Terms - 60 months
Maximum Financed - Up to 100%
APR* - 3.24%



Maximum Terms - 72 months
Maximum Financed - Up to 100%
APR* - 3.49%



Maximum Terms - 84 months**

Maximum Financed - Up to 100%
APR* - 3.99%




New RV/Boat

Maximum Terms - 120 months***
Maximum Financed - 100%
APR* - 4.5%



Maximum Terms - 144 months***
Maximum Financed - 100%
APR* - 4.75%



Maximum Terms - 180 months***
Maximum Financed - 100%
APR* - 5.0%



Used RV/Boat

(10 yrs. old or newer)

Maximum Terms - 120 months***
Maximum Financed - High NADA
APR* - 4.5%



Maximum Terms - 144 months***
Maximum Financed - 100%
APR* - 4.75%





Used RV/Boats
(Over 10 yrs. old)

Maximum Terms - 60 months***
Maximum Financed - High NADA
APR* - 5.75%



Maximum Terms - 84 months***
Maximum Financed - High NADA
APR* - 6.25%



Maximum Terms - 144 months***
Maximum Financed - High NADA
APR* - 6.75%



New Adventure - Motorcycles, Water Crafts

Maximum Terms - 60 months***
Maximum Financed - High NADA
APR* - 4.5%



Maximum Terms - 84 months***
Maximum Financed - High NADA
APR* - 4.75%




Used Adventure - Motorcycles, Water Crafts
(10 years or newer)

Maximum Terms - 60 months***
Maximum Financed - High NADA
APR* - 4.75%




Used Adventure - Motorcycles, Water Crafts

(Over 10 yrs. old)

Maximum Terms - 60 months***
Maximum Financed - High NADA
APR* - 5.75%




Visa Platinum

Maximum Terms - Revolving
Maximum Financed - $30,000
APR* - 8.90%



Visa Classic

Maximum Terms - Revolving
Maximum Financed - $20,000
APR* - 10.50%



Personal Loans

Maximum Terms - 12 to 60 months****
Maximum Financed - $100,000
APR* - 6.24% - 9.24%



Personal Line of Credit

Maximum Terms - 12 to 60 months
Maximum Financed - $100,000
APR* - 9.99%



Home Equity Line of Credit^

Maximum Terms - 20 yrs.
Maximum Financed - 100%***** of purchase price or appraised value
APR* - 4.25%*****†



Fixed Rate Home Equity Limited Draw Line of Credit ****^

Maximum Terms - Depending on the term
Maximum Financed - Up to 100%***** of purchase price or appraised value
APR* - 4.24 to 6.24*****%



Raw Land

Maximum Terms - 20 yrs.
Maximum Financed - 65% of purchase price or appraised value
APR* - Contact Us



Buildable Lots

Maximum Terms - 20 yrs.
Maximum Financed - 80% of purchase price or appraised value
APR* - Contact Us



Share-secured

Maximum Terms - Contact Us
Maximum Financed - Contact Us
APR* - Contact Us



Manufactured Home Loans^

Maximum Terms - Contact Us
Maximum Financed - Contact Us
APR* - Contact Us



*Annual Percentage Rates effective 7/05/17 and subject to change without notice.
**Maximum term dependent on purchase price.

*** Maximum term dependent on purchase price:
New RV/Boats
under $20,000 – Up to120 months
over $50,000 – Up to 180 months

Used RV/Boats
under $10,000 – Up to 60 months
over $35,000 – Up to 144 months

RV/Boats over 10 yrs old
under $10,000 – Up to 60 months
over $25,000 – Up to 144 months

New Adventure - Motorcycle & Water Crafts
under $10,000 – Up to 60 months
over $10,000 – Up to 84 months

Used Adventure - Motorcycle & Water Crafts
under $25,000 – Up to 60 months

Used Adventure - Motorcycle & Water Crafts over 10 yrs old
under $20,000 – Up to 60 months

****Rate dependent on term. Contact the Credit Union for additional information.
†Variable Rate is equal to the Prime rate as published in the Wall Street Journal plus a margin of 0.00% subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $0 - $1,000.

*****Annual percentage rate is 1.5% higher for loan-to-value over 80%.

^ Property Insurance is required on home equity and mortgage loans.




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


Balance Calculation Method for Finance Charges

Average Daily Balance (including current transactions).


Membership Fees

No Annual Membership Fee.


Late Payment Fees

Up to $20


Card Replacement Fee

$ 10


Returned Check Fee

$ 15


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.



This Rate & Fee schedule outlines the conditions, fees, and charges applicable to your accounts at Fibre Federal Credit Union. The Credit Union may offer other accounts, or amend the 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.

Callouts

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