LOW RATE FINANCING IS HERE!!!! (Could be as low as
3.99%APR for 36 months)
PURCHASE
A NEW OR USED CAR during the month of September, and finance at an annual
percentage rate that could be as low as 3.99%* for 36
months.
Is
your current vehicle financed at another financial institution? Give us a call. We may be able to lower your monthly payment
by refinancing that automobile with us.
- Pre-Approvals Available.
- Down payment may be required depending on credit and value of auto.
- Term of NEW or USED AUTO loans may be longer to accommodate member's ability to repay.
**IF YOU FIND A LOWER RATE, LET US KNOW. WE MAY BE ABLE TO MATCH IT.
*Other conditions may apply. Please see a loan officer at the
Credit Union for full details.
 Apply Now
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Sterling Van Dyke Credit Union |
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Loan Interest Rates |
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As of 9/1/10 |
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Consumer Secured |
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Annual Percentage Rate (APR) |
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Product |
Term |
could be up to 1% lower than |
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rates listed below* |
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New Auto 2007 - 2010 |
Up to 36 Months |
4.99% |
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48 Months |
5.19% |
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60 Months |
5.19% |
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72 Months |
6.19% |
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Used Auto 2003 - 2006 |
Up to 36 Months |
5.69% |
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Boat (new or used) |
48 Months |
5.99% |
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Motorcycle (new or used) |
60 Months |
5.99% |
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72 Months |
6.99% |
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Travel Trailers |
up to120 Months |
6.99% |
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Motor Homes |
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Secured Other |
Up to 120 Months |
6.99% |
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Titled/Non-Titled |
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Share Secured |
Up to 30 years |
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Under 1,000 |
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6.25% |
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1,000 - 9,999 |
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4.25% |
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Over 10,000 |
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3.75% |
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CD Secured |
Up to 30 years |
CD + 3% |
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Secured VISA |
Revolving |
9.90% |
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Consumer Unsecured |
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Product |
Term |
APR |
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Signature (LOC) |
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16.50% |
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Signature Secured |
Up to 48 Months |
10.50% |
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VISA |
Revolving |
12.90% |
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Consumer Real Estate |
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As of 8-23-10 |
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Product |
Term |
APR |
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10 Year Fixed |
10 years (120 months) |
3.875% |
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15 Year Fixed |
15 Years (180 months) |
4.000% |
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30 Year Fixed |
30 Years (360 months) |
4.625% |
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HELOC (up to 80% LTV) |
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5,000 - 24,999 |
10 years (120 months) |
4.00% |
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Over $25,000 |
10 years (120 months) |
4.00% |
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HELOC (up to 85% LTV) |
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5,000 - 24,999 |
10 years (120 months) |
4.75% |
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Over $25,000 |
10 years (120 months) |
4.25% |
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*Members can receive up to 1% interest reduction off
Loans based on services used. |
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1/4% reduction for Direct Deposit or Checking
account with HOP (Handi On-line Pay) |
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and E-Statements |
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1/4% reduction with shares on deposit in excess of
$2500 |
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1/4% reduction with outstanding loan balances in
excess of $2500 |
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1/4% reduction for credit life or disability
insurance for new loan |
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1/4% reduction for a pre-approved loan |
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1% Reduction does not apply to Mortgage, Line of
Credit and Visa loans |
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If you find a rate lower than we are offering, please let us know. We may be able to match it.
Estimate Your Loan
Payment
 Disclaimer:
Inconsistency may occur with the use of the calculator and the outcomes are not
credit guarantees.
- First mortgage -
For refinancing or purchasing, the total loan can be no more than the lesser of
80% of the unencumbered appraised value or purchase price.
- Annual Percentage Rates as of August 23, 2010, may be as low as: 10 year -
3.875%; 15 year - 4.0%; 30 year 4.625%
- Home equity can finance up to 85% of appraised value minus first mortgage.
- Pre-approvals available.
- Call the credit union for current rates or to apply (586) 264-1212 ext
3
Lending Criteria Disclosure
Apply Now
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