| Loans
Rate Board |
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Loan Rates Effective September 1, 2010 |
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Rates are subject to change without notice |
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APR = Annual Percentage Rate |
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For most current rates, call the Credit
Union at (559) 582-4438 option 7 |
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Autos Loan Type |
Term |
APR* - as low as |
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Refinanced from another lender
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36 |
3.75% |
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48 |
3.75% |
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60 |
3.75% |
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72 |
4.00% |
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82 |
4.50% |
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New Autos |
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36 |
3.99% |
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48 |
3.99% |
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60 |
3.99% |
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72 |
4.24% |
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84 |
4.74% |
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Used Autos |
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36 |
4.25% |
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48 |
4.25% |
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60 |
4.25% |
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72 |
4.50% |
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84 |
5.00% |
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Recreational Vehicles Loan Type |
Term |
APR* - as low as |
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New RVs, Boats, Motorhomes, Trailers |
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36 |
5.49% |
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48 |
5.49% |
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60 |
5.49% |
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72 |
5.74% |
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84 |
6.49% |
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120 |
7.24% |
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Used RVs, Boats, Motorhomes, Trailers |
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36 |
6.49% |
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48 |
6.49% |
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60 |
6.49% |
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72 |
6.74% |
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84 |
7.49% |
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120 |
8.24% |
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New Motorcycles / Personal Watercraft |
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36 |
6.74% |
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48 |
6.74% |
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60 |
6.74% |
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72 |
6.99% |
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Used Motorcycles / Personal Watercraft |
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36 |
7.49% |
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48 |
7.49% |
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60 |
7.49% |
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72 |
7.74% |
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Visa Loan Type |
Term |
APR** - as low as |
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VISA Classic |
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N/A |
8.95% |
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VISA Shared Secured |
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N/A |
7.75% |
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Personal Loans Loan Type |
Term |
APR** - as low as |
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Signature |
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Up to 48 mos |
9.99% |
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Share Secured |
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Up to 48 mos |
3.00% over highest savings
dividend rate |
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Certificate Secured |
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Certificate Term |
3.00% over highest savings
dividend rate |
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Overdraft Line of
Credit |
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N/A |
15.00% |
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Home Equity Loan
Type |
Term |
APR**** (fixed) - as low as |
APR*** (variable) - as low as |
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Fixed Home Equity
Loan |
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15/5 yr |
6.00% |
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10 yr |
6.99% |
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7 yr |
6.24% |
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5 yr |
5.49% |
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Home Equity Line of
Credit |
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80% LTV |
10 yr. Draw / 15 yr. |
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4.00% |
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90% LTV |
10 yr. Draw / 15 yr. |
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4.25% |
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Real Estate & First
Mortgage Loan Type |
Term |
APR (fixed) - as low as |
APR (variable) - as low as |
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Conventional Fixed
Loans |
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7/30 Balloon |
For current rates call
(888) 469-0192 |
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10 year |
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15 year |
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20 year |
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30 year |
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40 year |
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Conventional ARM's |
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For current rates call
(888) 469-0192 |
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* All rates and terms are based on credit
qualifications, term, model year and amount financed. Rates include a .50% discount for Auto Pay
from a Kings Federal checking account. |
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** Based on credit qualifications. |
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*** The APR
may vary and is based on the highest prime rate as published in the
"Money Rates" column in the Wall Street
Journal. The
APR can change quarterly on the first day of January, April, July and
October. The minimum "floor"
APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply
is 15.00%. The Home Equity Line of
Credit cannot exceed the appraised value.
APR will vary dependent upon the available equity in your home. Credit limit is based on your
creditworthiness. |
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**** CLTV is 80%.
If 81% to 90% add on .50% |
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