Auto Loans
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Rates as of March 20, 2013
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 |
2.95%*
|
Up to 60 months(e)
|
up to 100% Purchase Price |
| New Autos ($15K Minimum) |
Fixed Rate |
3.75%*
|
Up to 84 months(e) |
up to 100% Purchase Price |
| Used Autos (through 2003) |
Fixed Rate |
2.95%*
3.45%*
|
Up to 36 months(e)
Up to 60 months(e)
|
Up to 100% Purchase Price |
| Used Autos (within 4 model yrs & $15K Minimum) |
Fixed Rate |
3.99%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| Used Autos (2002 and older) |
Fixed Rate |
4.45%* |
Up to 48 months(e) |
Up to 100% purchase price |
| Antique/Classic Autos (21 model yrs +) |
Fixed Rate |
4.95%* |
Up to 36 months(e) |
Up to 100% Purchase Price |
| Antique/Classic Autos(21 model yrs +) |
Fixed Rate |
4.95%* |
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 March 20, 2013
*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 |
8.25% - 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, 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, 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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1st Mortgages - Home purchase, 2nd home/vacation home purchase, and refinances available.
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 March 20, 2013
*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 |
5.99%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
5.99%* |
Up to 96 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
5.99%* |
Up to 120 months(e) |
Up to 100% Purchase Price |
| New Boat |
Fixed Rate |
6.99%* |
Up to 144 months(e) |
Up to 100% Purchase Price |
| Used Boat (within 10 model yrs) |
Fixed Rate |
6.99%* |
Up to 84 months(e) |
Up to 100% Purchase Price |
| Used Boat |
Fixed Rate |
6.99%* |
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 March 20, 2013
*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 |
5.99%* |
Up to 84 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
5.99%* |
Up to 96 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
5.99%* |
Up to 120 months(e) |
Up to 80% Purchase Price |
| New Recreational Vehicle |
Fixed Rate |
6.99%* |
Up to 144 months(e) |
Up to 80% Purchase Price |
| Used Recreational Vehicle (within 10 model yrs) |
Fixed Rate |
6.99%* |
Up to 84 months(e) |
Up to 80% Purchase Price |
| Used Recreational Vehicle |
Fixed Rate |
6.99%* |
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 March 20, 2013
*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 Motorcycles |
Fixed Rate |
5.99%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| New ATV or Jet Ski |
Fixed Rate |
6.49%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| Used Motorcycles |
Fixed Rate |
6.34%* |
Up to 60 months(e) |
Up to 100% Purchase Price |
| Used ATV or Jet Ski |
Fixed Rate |
6.69%* |
Up to 60 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 March 20, 2013
| Loan Rates |
F=fixed V=variable |
APR |
Repayment Period |
Max Amt Financed |
| Share Secured |
Fixed Rate |
3.00% above Dividend Rate |
Up to 144 months(e) |
Balance of Acct |
| Certificate Secured |
Fixed Rate |
3.00% above Dividend Rate |
Up to Certificate Maturity Date |
Balance of Acct |
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Life/Disability Insurance
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What are Credit Life and Credit Disability Insurance?
Credit Life insurance pays off a member's eligible outstanding loan balance, up to the policy maximum, if he or she dies before the loan is repaid and the claim qualifies.
Credit Disability makes a member's eligible loan payment, up to the monthly maximum, if he or she is totally disabled by a covered illness or injury. Ask your loan officer for details on your next visit.
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MRC & GAP Coverage
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Mechanical Repair Coverage
Mechanical Repair 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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