|
|
|
Really
low rates on...
Cars & Trucks (New & Used) |
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
| |
0
- 38 months |
As
low as 4.75% APR |
|
| |
39
- 50 months
$7,500 minimum loan amount |
As
low as 4.85% APR |
|
| |
51
- 62 months
$10,000 minimum loan amount |
As
low as 4.95% APR |
|
| |
63
- 74 months
$18,000 minimum loan amount |
As
low as 5.45% APR |
|
| |
75
- 84 months
(new car or trucks only)
$30,000 minimum loan amount* |
As
Low as 6.45% APR |
|
|
*New
Cars or Trucks only for 75 - 84 month terms.
|
|
Motorcycles
(New & Used)
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
 |
 0
- 38 months |
As
low as 6.75% APR |
|
|
|
39
- 50 months
$7,500 minimum loan amount |
As
low as 6.85% APR |
|
|
|
51
- 62 months
$10,000 minimum loan amount |
As
low as 6.95% APR |
|
|
|
63
- 74 months
$18,000 minimum loan amount |
As low as 7.45% APR
|
|
|
Really
low rates on...
Boats, Motor Homes, Travel Trailers, Airplanes (New & Used)
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Up
to 60 months |
As
low as 6.45% APR |
|
|
|
Up
to 96 months
$25,000 minimum loan amount |
As
low as 6.95% APR |
|
|
|
Up
to 120 months
$30,000 minimum loan amount |
As
low as 7.45% APR |
|
|
|
Up
to 144 months
$40,000 minimum loan amount |
As low as 7.95% APR
|
|
|
Classic Autos
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
| |
Up
to 60 months |
As
low as 6.65% APR |
|
|
Miscellaneous Collateral Loans (New or Used)
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
| |
Up
to 60 months |
As
low as 8.95% APR |
|
|
Personal/Signature Loans
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Up to 60 months* |
As
low as 10.95% APR |
|
|
Line of Credit
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Up to 60 months* |
As
low as 11.95% APR |
|
|
Share Secured
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Up to 60 months* |
4.95%
APR |
|
|
Certificate Secured
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Duration of Certificate |
Rate
of Certificate plus 2.00% APR |
|
|
Seasonal Loans
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Christmas Loan (available
Oct-Jan) |
10.00%
APR |
|
|
|
Vacation Loan (available
April-Sept) |
10.00%
APR |
|
|
Mobile Homes
|
| |
Approximate
Loan Term |
Annual
Percentage Rate (APR) |
|
|
|
Up to 120 months - New
Mobile Homes |
12.00%
APR |
|
|
|
Up to 60 months - Used Mobile Homes |
14.00%
APR |
|
|
|
|
|
|
The
annual percentage rate (APR) you pay will be based on the number of months
your loan is financed, the loan type and your credit history. The APR
will be disclosed prior to an advance being made on a loan. Rates
are subject to change. Loan terms may vary based on value and type
of collateral. *Recommended term determined by amount financed with
a maximum term not to exceed 60 months. Equal Housing Lender. All rates are
subject to change without notice. APR = Annual Percentage Rate. For complete terms and
conditions contact Members First at (850) 434-2211.
|
|
|
| |
Type
of Loan |
Annual Percentage Rate
(APR)
|
Phone |
|
| |
Home
Equity Line of Credit (variable) |
6.00% APR*
|
|
|
| |
Home
Equity (fixed) - 7 year |
6.45% APR
|
|
|
| |
Home
Equity (fixed) - 15 year |
8.25% APR
|
|
|
| |
Unimproved
Property (variable) |
6.00% APR
|
|
|
| |
15,
20 or 30-Year
Fixed |
Contact
Maria Reid
|
(850)
434-2212, Ext. 102 |
|
| |
1,3
& 5 Year
Adjustable Rate Mortgage |
Contact
Maria Reid
|
(850) 434-2212,
Ext. 102 |
|
| |
Construction
Permanent-
up to 30 Years
(1,3 & 5 year Adjustable Rate
Mortgage) |
Contact
Maria Reid
|
(850) 434-2212,
Ext. 102
|
|
|
|
7-Year
Fixed Refinance |
4.99%
NO CLOSING COSTS**
|
|
|
| |
Homeowner's
Insurance and Taxes Relief Loan |
7.99% APR |
|
|
| |
|
Subject to approval.
*Interest rate based on the Wall Street Journal prime minus 1.00% for the
life of the loan with a minimum rate of 6.00% APR and a maximum of 17.00%
APR. Credit Union pays up to $500 in normal closing costs if the member
agrees not to prepay the balance within the first 6 months and advances a
minimum of $20,000.00. Offer
available for new loans only. Not available on existing Members First home
equity loans or refinancing of Members First home equity loans. Special subject to end
without notice.
**To qualify for the no closing cost option member must
meet all loan approval guidelines and must agree no to prepay within the
first six months. Also member must have checking, credit card and
direct deposit to qualify for loan special. Contact the credit union at (850)
434-2211 for complete details. Equal Housing
Lender.
|
|
|
| Type
of Loan |
Method
of Computing The Balance for Purchase |
APR |
Annual
Fee |
|
Visa Platinum |
Average
Daily Balance Method |
10.9% |
$12 |
| MasterCard Classic |
Average
Daily Balance Method |
11.9% |
$10 |
| MasterCard Classic |
Average
Daily Balance Method |
12.9% |
$0 |
|
|
|
|
|
Cards have a 25-day grace period.
Varsity
Club members receive annual purchase rebates.
Senior
Class members pay no annual fee. APR = Annual Percentage
Rate.
For complete
terms click here.
|
