RatesLoan RatesMortgagesRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Points | Term | | | 30 Year Fixed Rate Mortgage | Please Call | Please Call | 1 | 360 Months | | | | Variable Rate 5/1 ARM Mortgage | 6.00% | 6.11% | 1 | Up to 360 Months | | | | Land Loans - 5/1 ARM | 10.75% | 10.76% | 1 | Up to120 Months | | | | Construction Loans | 6.00% | 6.11% | 1 | 12 Months | | | | Mobile Home Loans - 5/1 ARM | 8.50% | 8.71% | 1 | Up to 240 Months | | | Rates listed are base rates, assuming approved credit, and are subject to change based on individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant's credit score, credit history and other underwriting factors. Other rates and terms may be available. Please call (603) 448-4424 for more detailed information.
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Home Equity LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Points | Term | Maximum LTV | | | Home Equity Loan | 5.99% | 6.19% | 1 | 60 Months Fixed Rate | 85% | | | | | 7.99% | 8.12% | 1 | 120 Months Fixed Rate | 85% | | | Rates listed are base rates, assuming approved credit, and are subject to change based on individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant's credit score, credit history and other underwriting factors.
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New Auto LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Percent Financed | Term | Model Year(s) | | | New Auto Loans | 3.75% | 3.99% | Up to 100% of MSRP | Up to 48 Months | 2010/2009 |  | | | | 4.99% | 5.19% | Up to 100% of MSRP | Up to 60 Months | 2010/2009 | | | | | 6.99% | 7.16% | Up to 100% of MSRP | Up to 72 Months | 2010/2009 | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Used Auto LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Percent Financed | Term | Model Year(s) | | | Used Auto Loans | 6.49% | 6.69% | Up to 100% N.A.D.A. Retail | Up to 60 Months | 2009/2008 | | | | | 6.49% | 6.69% | Up to 100% N.A.D.A. Retail | Up to 48 Months | 2007 & Older | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Motorhomes, Campers and BoatsRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Term | Model Years | | | New Camper and Boat Loans | 6.49% | 6.64% | Up to 60 Months | 2010 & 2009 | | | | Used Camper and Boat Loans | 9.99% | 10.20% | Up to 60 Months | | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Motorcycles, Snowmobiles & ATVsRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Term | Model Year(s) | | | New Motorcycle,Snowmobile,ATV | 7.99% | 8.20% | Up to 60 Months | 2010/2009 | | | | Used Motorcycle,Snowmobile,ATV | 9.99% | 10.20% | Up to 60 Months | | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Consumer Loans (unsecured)Rates effective August 24, 2009| Account Type | Rate (as low as) | APR | | | Unsecured (Signature) Loans | 11.00% | 11.935% | | | | Overdraft Protection Loans | 17.00% | 17.00% | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee.
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Share Secured Loan/LineRates effective August 24, 2009| Account Type | APR | | | Share Secured Loan | Share or CD Rate + 3.00% | | |
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