New Vehicle
Last Updated: 12/28/2009
|
Type
|
APR* |
Terms |
Conditions |
New Vehicles
(Autos, SUVs,&
Trucks) |
5.25-11.00% |
36 months |
**Call CU for Conditions |
| |
5.25-11.00% |
48 months |
|
| |
5.25-11.00% |
60 months |
|
| New Vehicles |
6.75-11.50% |
72 Months |
|
| New Vehicles |
6.75-11.00% |
84 Months |
|
| |
|
|
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice. |
Used Vehicles
36 months |
5.25-11.00% |
36 months |
2002-2009**
|
| Used Vehicles 48 months |
5.25-11.00% |
48 months |
2002-2009** |
| Used Vehicles 60 months |
5.25-11.00% |
60 months |
2002-2009** |
Used Vehicles
48 months |
6.25-11.00% |
48 months |
1999-2001** |
Used Vehicles
36 months |
6.25-11.00% |
36 months |
1999-2001** |
| |
|
|
** Call CU for conditions |
| |
|
|
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice. |
| |
|
|
|
New commercial
Vehicles |
call for rate |
48
months |
90% of MSRP plus tax
100% financing with additional
1/2% |
| |
|
|
|
| |
|
|
|
Rec. Vehicles
Last Updated:
12/28/2009
|
Type
|
APR* |
Terms |
Conditions |
| Classic Cars |
7.25% |
48 Months |
Appraisal Required |
Mobile Homes
-New |
6.99% + |
84 Months |
85% of MSRP & Taxes |
Mobile Homes
-Used |
7.00% + |
84 Months |
80% of Appraisal |
|
Boats
-New
|
7.49% + |
84 Months |
85% of MSRP & Taxes |
|
Boats
-Used
|
7.50% + |
84 Months |
80% of Appraisal |
|
Motorcycles
-New
|
6.99% + |
48 Months |
85% of MSRP & Taxes85 |
|
Motorcycles
-Used
|
7.00% + |
36 Months |
Minimum Apprasial of $10k |
Personal Loans
Last Updated:
12/28/2009
|
Type
|
APR* |
Terms |
Conditions |
Overdraft Line
of Credit |
13.00% |
Open-End |
Up to $2,500. |
| Visa Plantinum |
8.49%-
17.99% |
Open-
End |
See visa disclosure for terms and
conditions |
Personal-
Unsecured |
9.99%-
13.99%
|
Up to 60
Months |
From $500 to $10,000
Terms Vary by Amount |
| |
|
|
|
| Share Secured |
Regular share rate plus 3% |
Up to 36
Months |
Instant Approval
Shares are pledged
(Cannot be withdrawn) |
| Share Secured |
Regular share rate plus 4% |
37-120 Months |
|
| Stock Secured |
6.75% |
up to
72 Mo |
75% of Market Value |
Savings/Investments
Last Updated:
3/8/2010
|
Type
|
APR* |
APY* |
Conditions |
| Regular Shares |
1.045% |
1.050% |
(.01&up) |
| Regular Shares |
1.213% |
1.220% |
(10k&up) |
| Auxiliary |
1.045% |
1.050% |
|
| Checking |
0.500% |
0.501% |
|
| IRA |
1.411% |
1.420% |
(100-9999k) |
| IRA |
1.608% |
1.620% |
(10k-100k) |
| Money Market |
1.318% |
1.326% |
(10k&up) |
| Money Market |
1.510% |
1.520% |
(25k& up) |
| Money Market |
1.559% |
1.570% |
(170k & up) |
| CD's |
Call CU for current rates |
Savings/Investments
Regular share desposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividen was earned.
Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.
Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.
Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.
*Annual Percentage yield
Home/Mortgage
Last Updated:
12/28/2009
|
Type
|
APR* |
Terms |
Conditions |
| Home Equity Lines of Credit |
Prime |
Up to 240
Months |
Prime at 80% of Appraisal Minus First Mortgage
Variable Rate Loan (biannual adjustments)
|
| Business Home Equity Line Of Credit |
Prime +.25% |
144 months |
80% of appraisal minus First Mortgage, Rental Properties and Second Homes |
| First Mortgages |
Call For
Current
Rates |
|
|
| Second Mortgages |
Call For
Current
Rates |
180 months
120 months |
80% of Appraised Value
|
| Unimproved Land |
7.99% |
Up to 7
Years |
36 month ballon
75% of appraised value financed. Option to amortize over 180 months.
|
