| Cars & Trucks |
|
|
|
|
APR* (as low as) |
Maximum Term |
Monthly Payment per $1.000 |
New
Vehicle 2007-2008 |
5.00% |
48
Months |
$23.03 |
New
Vehicle 2007-2008 |
5.25% |
72
Months |
$16.22 |
Used
Vehicle 2007-2008 |
5.50% |
84
Months* |
$14.37 |
Used
Vehicle 2004-2008 |
5.50% |
48
Months |
$23.26 |
Used
Vehicle 2004 -2008 |
5.75% |
72
Months |
$16.46 |
Used
Vehicle 2000 -2003 |
6.25% |
36
Months |
$30.54 |
Used
Vehicle 2000 -2003 |
7.50% |
60
Months |
$20.04 |
Used
Vehicle 1999 and older |
7.75% |
36
Months |
$31.23 |
New is defined as never having been titled and having fewer than 5000 miles. *Term of 84 months
requires financing of $35,000 or more.
(See www.nadaguides.com for
car values)
|
 |
|
|
| Recreational
Vehicles |
|
|
|
(Self-Contained) Motor Homes, Travel Trailers, and Boats |
|
|
|
2001 and newer |
APR* (as low as) |
|
Monthly Payment per $1.000 |
| |
6.25% |
84
Months |
$14.73 |
$25,000
min. |
6.75% |
120
Months |
$11.48 |
$40,000
min. |
7.25% |
144
Months |
$10.42 |
$60,000
min. |
8.25% |
180
Months |
|
1999
and older |
APR* (as low as) |
|
Monthly Payment per $1.000 |
| |
7.25% |
84
Months |
$15.22 |
$25,000
min. |
7.75% |
120
Months |
$12.00 |
$40,000
min. |
8.25% |
144
Months |
$10.96 |
$60,000
min. |
9.25% |
180
Months |
$10.29 |
(Non-Self-Contained)
Recreation and Other Miscellaneous Vehicle |
| |
APR* |
|
Monthly Payment per $1.000 |
2004 and newer |
6.50% |
72 Months |
$16.81 |
2000 to 2003 |
8.00% |
60 Months |
$20.28 |
1999 and older |
9.00% |
60 Months |
$20.76 |
Longer
terms available from 61-120 months on loans of $20,000
or more. |
|
Share
Secured Loans
Minimum Rate is 5.00% APR |
Collateral |
Rate
(APR)* |
Max Term |
Monthly Payment per $1.000 |
Savings |
Rate + 3.00% |
12 Months |
Varies based on rate. |
Savings |
Rate + 3.50% |
24 Months |
Varies based on rate. |
Savings |
Rate + 4.00% |
36 Months |
Varies based on rate. |
Savings |
Rate + 4.50% |
48 Months |
Varies based on rate. |
Certificate |
Rate + 2.00% |
Term of Cert |
Varies based on rate. |
| Personal Loans |
| |
APR* (as low as) |
|
Monthly Payment per $1.000 |
| $9,999.99 or less |
7.00% |
36 Months |
$30.88 |
| $10,000.00 Minimum |
8.50% |
60 Months |
$20.52 |
Quick
Line of Credit
Minimum loan of $500. Maximum loan
of $10,000. |
| Collateral |
Rate(APR*) |
Monthly Pmt
Per $1000 |
Personal |
11.90% |
3% of Bal (Min $25) |
Open-end
Lines of Credit and Overdraft Coverage Loans
Minimum loan of $500. Maximum loan of $10,000. |
Collateral |
Rate(APR*) |
Monthly
Pmt
Per $1000 |
Personal |
11.90% |
3% of
Bal (Min $25) |
| Mortgages |
Please call 208-882-0232
for more information on our mortgage rates.
We do business in accordance with the federal Fair Housing Law
and the Equal Credit Opportunity Act.
|
|
| Mobile Homes |
Collateral |
Rate (APR)
As Low As |
Maximum Term |
Monthly Payment per $1.000 |
| 2001 or newer Double Wide and Single Wide |
7.00% |
5 Years |
$19.80 |
| |
7.50% |
10 Years |
$11.87 |
| |
8.00% |
15 Years |
$9.56 |
| |
| 1993 to 2000 Double or Single Wide |
7.25% |
5 Years |
$19.92 |
| |
8.25% |
10 Years |
$12.27 |
|
| 1996 to 2000 Double Wide Minimum Loan Balance $30,000 |
9.25% |
15 Years |
$10.29 |
$100 application fee; Borrower responsible for all direct costs. Mobile homes must be manufactured after 1976.
Purchase money loans 85% Loan to Value (LTV); Refinance loans 80% with no equity out; Refinance loan 75% with equity out.
Mobile homes more than 15 years old, add 1% to above rates.
Mobile homes must be owner occupied and located in Latah or adjacent counties. |
| Mortgages and Deeds
of Trust - Portfolio Loans |
Collateral |
Rate (APR)
As Low As |
Maximum Term |
Monthly Payment per $1.000 |
First & Second Mortgages |
6.50% |
5 Years |
$19.57 |
|
6.75% |
10 Years |
$11.48 |
|
7.25% |
15 Years |
$9.13 |
$200 application fee; Borrower responsible for all direct costs. All properties must be owner occupied. Minimum loan is $10,000.
Purchase money loans 80% LTV; Refinance loans 80% with no equity out; Refinance loan 75% with equity out. |
| Land Loans |
|
Rate (APR)
As Low As |
Maximum Term |
Monthly Payment per $1.000 |
|
6.50% |
5 Years |
$19.57 |
|
7.00% |
10 Years |
$11.61 |
|
7.50% |
15 Years |
$9.27 |
$200 application fee; Borrower responsible for all direct costs. Minimum loan is $10,000.00.
Maximum LTV shall not exceed 70% of the documented market value of the property.
|
| Mortgages and Deeds
of Trust - Secondary Market |
Rates change
daily. Please contact our loan department at
208-882-0232 for current rates and terms. |
Down payments as low as 3%. (Private Mortgage Insurance required for down payments of less than 20%).
15 year, 20 year, and 30 year fixed rate conventional loans.
30 year amortization - balloon due in 5 years or 7 years fixed rate conventional loans.
1 year and 3 year adjustable rate loans with 30 year Amortization.
Double-wide mobile homes on permanent foundations 30 year fixed rate conventional loans.
One to four family properties, condominiums, planned unit developments, single unit 2nd/vacation or eventual retirement homes and
double wide mobile homes on permanent foundations are all acceptable subject to secondary market approval. |
| Home
Equity Lines of Credit |
| Collateral |
APR* |
Maximum
Term |
Loan to value less than 80% |
Prime minus 1.00% |
5-Year Draw Period |
Loan to value from 80.01% to 90% |
Prime plus .50% |
5-Year Draw Period |
Minimum loan is $10,000.00. Maximum loan is $100,000.00. Maximum repayment period is 15 years. Maximum loan to value is 90%. Minimum Interest rate 5%. Maximum interest rate 15%.
|
| VISA |
| Disclosure
Table for Latah Federal Credit Union VISA Card |
Annual fee |
$0.00 |
Annual percentage rate for purchases |
13.50% APR* |
Grace period for repayment of the balance for purchases |
25 days |
Method of computing the balance for purchases |
Average daily balance
(including new purchases) |
Over-the-limit-fee |
$10.00 |
| Late payment fee |
$10.00 |
