Auto Loans
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Rates as of May 21, 2008
Rate Matching is available
Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.
| Loan Rates |
F=fixed V=variable |
APR as low as |
Repayment period |
Max Amt Financed |
| New Autos |
Fixed Rate |
4.99%* |
Up to 60 months(e) |
up to 100% Purchase Price |
| New Autos ($15K Minimum) |
Fixed Rate |
4.99%* |
Up to 84 months(e) |
up to 100% Purchase Price |
| Used Autos (through 1998) |
Fixed Rate |
5.49%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| Used Autos (within 4 model yrs & $15K Minimum) |
Fixed Rate |
5.49%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| Used Autos (1997 and older) |
Fixed Rate |
5.49%* |
Up to 48 months(e) |
Up to 100% purchase price |
| Antique/Classic Autos (21 model yrs +) |
Fixed Rate |
10.89%* |
Up to 36 months(e) |
Up to 100% Purchase Price |
| Antique/Classic Autos(21 model yrs +) |
Fixed Rate |
11.89%* |
Up to 48 months(e) |
Up to 100% Purchase Price |
* Annual Percentage Rate may be higher depending on credit and other qualifying factors.
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Visa, Signature & Personal Line-of-Credit
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Rates as of February 22, 2008
Rates Shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment.
| Loan Rates |
F=fixed V=variable |
APR as low as |
Repayment period |
Maximum Available |
| Signature |
Fixed Rate |
10.80%* |
Up to 12 Months(e) |
Up to $10,000 |
| Signature |
Fixed Rate |
11.15%* |
Up to 24 months(e) |
Up to $10,000 |
| Signature |
Fixed Rate |
11.40%* |
Up to 36 months(e) |
Up to $10,000 |
| Personal Line-of-Credit |
Variable Rate |
10.75% - 18.00%1 |
Open End |
Up to $10,000 |
| Classic Visa |
Fixed Rate |
12.90%2 |
Open End |
Up to $10,000 |
| Platinum Visa |
Fixed Rate |
Call for Rate3 |
Open End |
Up to $25,000 |
* Annual Percentage Rate may be higher depending on credit and other qualifying factors. Visa and PLOC do not qualify for .50% rate reduction.
1 Annual percentage rate may vary, no annual fee.
2Cash advance fee $5.00, no annual fee, overlimit fee $25.00, late payment fee $25.00, card replacement fee $10.00, grace period for repayment of the balance for purchases 25 days. APR does not include fees.
3Cash advance fee $5.00 or 3% of amount, no annual fee, overlimit fee $100, late payment fee $35.00, card/PIN replacement $5.00, Returned Check Charge: $20.00. Grace period for repayment of balance for purchases 25 days. APR does not include fees.
Full Visa Platinum Disclosure
Full Visa Classic Disclosure
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2nd Mortgage's, Home Equity Lines-of-Credit and many other mortgage services available. Rates vary depending on your credit qualifications with terms up to 180 months.
Please contact the loan department at 503-253-8193 ext 340 for more information.
Boat & Recreational Vehicle Loans
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Rates as of February 22, 2008
Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.
| Loan Rates |
F=fixed V=variable |
APR as low as |
Repayment Period |
Max Amt Financed |
| New Boat |
Fixed Rate |
6.89%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
7.39%* |
Up to 96 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
7.89%* |
Up to 120 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
8.14%* |
Up to 144 months(e) |
Up to 100% Purchase Price |
| Used Boat (within 10 model yrs) |
Fixed Rate |
7.39%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| Used Boat |
Fixed Rate |
8.14%* |
Up to 120 months(e) |
Up to 100% Purchase Price |
* Annual Percentage Rate may be higher depending on credit and other qualifying factors.
Rates as of February 22, 2008
Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.
| Loan Rates |
F=fixed V=variable |
APR as low as |
Repayment Period |
Max Amt Financed |
| New Recreational Vehicle |
Fixed Rate |
6.89%* |
Up to 84 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
7.39%* |
Up to 96 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
7.89%* |
Up to 120 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
8.14%* |
Up to 144 months(e) |
Up to 80% Purchase Price |
| Used Recreational Vehicle (within 10 model yrs) |
Fixed Rate |
7.39%* |
Up to 84 months(e) |
Up to 80% Purchase Price |
| Used Recreational Vehicle |
Fixed Rate |
8.14%* |
Up to 120 months(e) |
Up to 80% Purchase Price |
* Annual Percentage Rate may be higher depending on credit and other qualifying factors.
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Motorcycle, ATV & Jet Ski
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Rates as of February 22, 2008
Rates shown are with Automatic Payments from your IBEW & United Workers FCU Account, add .50% if not using automatic payment feature.
| Loan Rates |
F=fixed V=variable |
APR as low as |
Repayment period |
Max Amt Financed |
| New Motorcycle, ATV or Jet Ski |
Fixed Rate |
8.89%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| New Motorcycle, ATV or Jet Ski |
Fixed Rate |
9.15%* |
Up to 72 months(e) |
Up to 100% Purchase Price |
| Used Motorcycle, ATV or Jet Ski |
Fixed Rate |
9.15%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| Used Motorcycle, ATV or Jet Ski |
Fixed Rate |
9.40%* |
Up to 72 months(e) |
Up to 100% Purchase Price |
* Annual Percentage Rate may be higher depending on credit and other qualifying factors.
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Share/Certificate Secured
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Rates as of February 22, 2008
| Loan Rates |
F=fixed V=variable |
APR |
Repayment Period |
Max Amt Financed |
| Share Secured |
Fixed Rate |
4.00% above Dividend Rate |
Up to 144 months(e) |
Balance of Acct |
| Certificate Secured |
Fixed Rate |
4.00% above Dividend Rate |
Up to Certificate Maturity Date |
Balance of Acct |
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Life/Disability Insurance
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Credit Life Insurance
Credit life insurance pays the insured balance of your loan, up to the policy maximum, in the event of your death. The premium for this service is added to your loan balance and then included in your regular monthly payments. This ensures your family will not be left with your loan debt upon your death. Ask your loan officer for details on your next visit.
Credit Disability Insurance
In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The premium for this service is added to your loan balance and then included in your regular loan payments. For full policy details ask a credit union representative.
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MBI & GAP Coverage
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Mechanical Breakdown Insurance
Mechanical Breakdown Insurance coverage covers the cost of repairs to items covered by the policy. The premium for the coverage is paid at the time your loan is granted and added to your loan balance if you wish. The policy is transferable if you sell your vehicle prior to the policy expiration.
GAP Coverage
GAP (Guaranteed Auto Protection) coverage is offered in connection with your financing the purchase of a vehicle. GAP Insurance provides you protection in the event your vehicle is stolen or totalled. Talk with your loan officer about the advantages of this policy.
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