* APR includes a .50% rate reduction for automatic debit of your monthly loan payment from a SMCU checking account.Consumer Rates
Rates are effective as of January 1, 2012
NAME Annual Percentage Rate* DESCRIPTION Estimated Monthly Payment per $1000** Home Heating 4.99% up to 1 year, max $2000 $85.61 Holiday Loan 4.99% up to 1 year, max $2,000 $85.61 Bill Consolidation 4.99% up to 1 year, max $2,000 $85.61 Personal Loan 6.24% up to $15,000, 1 YR $86.18 Personal Loan 8.24% up to $15,000, 2 YRS $45.34 Personal Loan 10.24% up to $15,000, 3 YRS $32.39 Personal Loan 12.24% up to $15,000, 4 YRS $26.46 Personal Loan 14.24% up to $25,000, 6 YRS $20.74 Personal Loan 16.24% up to $25,000, 8 YRS $18.68 AUTO LOAN 2008-2012 1.99% Up to 2 YRS., 5% Down $42.54 2008-2012 2.24% Up to 3 YRS, 5% Down $28.75 2008-2012 2.49% Up to 4 YRS, 5% Down $21.91 2008-2012 2.49% Up to 5 YRS, 5% Down $17.75 2010-2012 2.99% Up to 6 YRS, 5% Down $15.19 2011-2012 6.99% Up to 8 YRS, 15% Down, Min $30,000 $13.63 2008-2012 2.49% Up to 3 YRS, 0% Down $28.86 2008-2012 2.74% Up to 4 YRS, 0% Down $22.02 2008-2012 2.74% Up to 5 YRS,0% Down $17.86 2010-2012 3.24% Up to 6 YRS, 0% Down $15.31 2005-2007 3.49% Up to 4 YRS, 10% Down $22.36 2005-2007 3.99% Up to 4 YRS, 0% Down $22.58 2004 & older 4.74% Up to 3 YRS, 15 % Down $29.86 2004 & older 6.49% Up to 3 YRS, 0% down $30.65 Stock Secured 8.25% $50,000 Max.; 3 YR $31.46 Share Secured 3.00% Above rate paid on account RV/Boat, 2008-2012 4.74% Up to 5 YRS; $100,000 Max.; 5% Down $18.76 RV/Boat, 2008-2012 5.74% Up to 10 YRS; $100,000 Max., 5% Down $10.98 RV/Boat, 2008-2012 6.49% 10-15 YRS; Max. $100,000; 5% Down $11.35 RV/Boat, 2008-2012 7.49% 15-20 YRS; 5% Down $9.27 RV/Boat, 2005-2007 5.99% Up to 7 YRS, 10% Down $14.61 RV/Boat, 2004 & Older 7.24% Up to 5 YRS; 10% Down $19.92 Motorcycle Loans, 2008-2012 3.74% up to 2 YRS; 5% Down $43.31 Motorcycle Loans, 2008-2012 3.99% up to 5 YRS; 5% Down $18.42 Motorcycle Loans, 2007 & older 6.74% up to 2 YRS; 10% Down $44.66 Motorcycle Loans, 2007 & older 7.24% up to 5 YRS; 10% Down $19.92 Mobile Homes 8.49% $150,000 Max., 20 Years $8.68 MasterCard Call for rates Special Transferred Balances Minimum Monthly Finance Charge 50 cents MasterCard Call for rates Special for new purchases and cash advances Minimum Monthly Finance Charge 50 cents
Payment per $1,000 based upon auto pay from checking account.
(MasterCard & Share Secured excluded)
** Payment per $1000 reflects the reduced rate
