LoansCampus Credit Union Loan Rates
Effective January 19, 2012
New and Used Auto Purchase
2009 and Newer
Up to 60 Months
As low as 4.00% - 16.25%
Used Auto Purchase or Refinance
2003 - 2008
Up to 60 Months
As low as 5.60% - 21.00%
2002 or Older ADD 1%
*Lowest rate reflects discounts for
downpayment and automatic payment.
Extended term financing available.
Contact the credit union for current
rates.
Unsecured Loan
Up to 49 Months
As low as 8.50% - 21.00%
Purchase Money
Boats, RVs, Motorcycles, 2000 or Older Vehicles, Etc.
Up to 60 Months -ADD 1.00% to 2003-2008 Auto Rate
61 - 120 Months -ADD 1.50% to 2003-2008 Auto Rate
Expandachek (Line of Credit) 17.00%
Advantage Line of Credit 8.90%**
**Credit Score 670+
Share Secured Loan
Up to 36 Months
3.00%
Certificate Secured Loan
ADD 3.00% to Certificate Rate
Visa Credit Cards
Limits from $500 - $10,000
Purchase Rates: As Low As 12.90% - 18.00%
Cash Advance Rates: As Low As 8.90% - 18.00%
Fixed Rates
First Mortgage Refinance
3.50% 36 mo 60% LTV
4.00% 60 mo 70% LTV
4.75% 84 mo 70% LTV
5.25% 84 mo 80% LTV
5.50% 120 mo 80% LTV
5.75% 180 mo 80% LTV
Contact the credit union for more details
HOME IMPROVEMENT/SECOND MORTGAGE LOAN SPECIAL
4.75% Up to 84 Months
$100 Application Fee
Owner Occupied
85% LTV
Credit Score = 650+
Maximum Loan = $100,000
Second Mortgage***
As low as 6.25% - 36 months
Rates Available up to 180 months
Contact the credit union for
current rates.
Lowest rate reflects discount for
automatic payment.
Rates quoted "As low as" are determinded by
underwriting guidelines including members
credit bureau score from Trans Union and
term of loan. An Origination Fee of 1% not
to exceed $100 may apply. All rates are
subject to change without notice. Mortgage
lending for owner occupied and limited to
the following counties: Sedgwick, Butler,
Harvey, Cowley, Kingman, Reno and
Sumner. ***Closing costs will be paid by
member.
Contact a credit union loan officer at
316-978-3666 for more information.
Share RatesSHARE AND CERTIFICATE RATES
Effective 1/19/2012
DIVIDEND
RATE APY
REGULAR SHARE ACCOUNT
$100 - $2,999.99 0.50% 0.50%
$3,000 - $9,999.99 0.75% 0.75%
$10,000 and over 1.00% 1.00%
ADVANTAGE CHECKING ACCOUNT
$100 - $1,499.99 0.25% 0.25%
$1,500 and over 0.50% 0.50%
PAYROLL SHARE ACCOUNT
$100 and over 1.00% 1.00%
Minimum Opening Deposit $500
$50 / month auto deposit
CLUB ACCOUNTS
$5.00 and over 0.75% 0.75%
SHARE IRA ACCOUNTS
$500 and over 1.25% 1.26%
SHARE CERTIFICATES
3 month 1.00% 1.00%
6 month 1.00% 1.00%
12 month 1.25% 1.26%
18 month 1.25% 1.25%
24 month 1.50% 1.51%
36 month 2.00% 2.02%
48 month 2.25% 2.27%
$1,000 minimum deposit on all terms
IRA CERTIFICATES
12 month 1.25% 1.26%
18 month 1.25% 1.26%
24 month 1.50% 1.51%
36 month 2.00% 2.02%
48 month 2.25% 2.27%
$1,000 minimum deposit on all terms
APY - Annual Percentage Yield
APY is accurate as of the last dividend declaration rate.
Early withdrawal penalty may be imposed,
Rates are subject to change without notice.
SHARE AND CERTIFICATE RATES
As of January 19, 2012
Note:
The Credit Union retains the right to determine which of the above
terms will be approved on any loan request. All interest rates
printed are annual percentage rates (APR*). All rates are subject
to change without notice. All loans can only be against owner
occupied property.
*Variable Rate Index used is the U.S. Treasury Security Adjusted
to a Constant Maturity of One Year. Rate will change semi-annually
on January 1 and July 1. Rate will never be higher than 18.0%
APR or less than 7.0% APR. Any interest rate increase will result
in more payments of the same amount. Any interest rate decreases
will result in fewer payments of the same amount.
**Variable Rate Index used is the 11th District Cost of Funds.
Rate will change semi-annually on January 1 and July 1. Rate will
never be higher than 18% APR or less than 7.0% APR. Loan payments
may change with each advance. Payment may also change if the annual
percentage rate increases or decreases. |
