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Rates >> Loan Rates



Effective 1/14/2010

 Loan Type

 Rates As Low As
(All Rates Stated as APR)

Term

  •  Rate Special

 4.99%

Restrictions may apply

  •  Recreational Unit Special

    Recreational Units up to $2500
    Recreational Units up to $5000


                   4.29%                     
        4.99%          

 
Max 24 - months
Max 48 - months
  •  Personal Water CraftSnowmobiles, Motorcycles,
    ATV, Lawn Tractors or Horse Utility Trailers

 7.09%

Max  66 - months
  •  Boats

 7.20% OVER    $20,000
7.35% UNDER $20,000

Max  84 - months
  •  Recreational Vehicles
    (Motorhomes, Travel Trailer & Camping Trailers)

 7.35%*

Max  120 - months
  •  Airplane Loans

 12.25%*

Max  144 - months
  •  Farm Equipment
    (80% or less financing)

12.09%* 

Max  120 - months
  •  Unsecured Personal Loan
                                $1000 minimum
                                $1001 - $2000
                                $2001 -$3000
                                $3001 -$5000 (A credit, 5yrs job history, 5 yrs residence)

11.09%*
11.35%* 
11.59%*
12.09%*

Max  12 - months
Max  24 - months
Max  36 - months
Max  48 - months
  •  Unsecured  Loan  Special
                                $1000 
                                $1500
                                $2000


2.99%*
3.49%* 
3.99%*


12 - months
15 - months
18 - months

  • All Real Estate Loans

Please call Preferred's Mortgage Center
as rates change on a daily basis! 

 1-800-353-4449
www.mortgagecuso.com

  •  Revolving Line of Credit

 15.00%**

 
  •  Share Pledged Loans (all credit scores)

 6.25%**

Max  84 - months 
  •  Share Certificate Loans

 Certificate rate + 5.50%**

Certificate Term 
     

  

 

 

 Vehicle Loans

 Rates As Low As
(All Rates Stated as APR)

 Term

  • New Auto & Pickup Truck 
               2008-2009 - 2010 
               2008-2009-2010
               2008-2009-2010

4.99%
4.99%
4.99%

Max  66 - months
Max 72 - months
Max 84 - months

  • Used Auto & Pickup Truck
             2010 - 2006

4.99%

 
Max  66 - months
  • Used Auto & Pickup Truck
         2005 - 2004

 6.85%

Max  48 - months
  • Used Auto & Pickup Truck
             2003 and Older Models

 7.09%

Max  36 - months





Preferred VISA

Credit Score

 Cash

 Retail

 740 or above  Credit Score

 9.00%

7.50%

 739-640

 11.00%

 9.50%

 639-600

 14.00%

 13.00%

 599-550

 16.50%

 15.50%

 549-under

 18.00%

 17.50%

 

 

                

 

 Credit Scores - Approved 11/19/2007

 

* "A+" (Platinum Plus)
subtract .50% from base rate

 740+

A+

* "A" credit score
equals base rate

 680-739

 A

** "B" credit score
add 1.25% to base rate

 640-679

 B

*** "C" credit score
add 3.50% to base rate

 600-639

 C

**** "D" credit score
add 5.00% to base rate
 

 550-599

 D

***** "E" credit score
add 8.00% to base rate

 549 or less  E

 *Rates are subject to Credit Scores
...The Interest rate charged will never exceed 18%(NCUA REGULATIONS)
...Members will receive .15% increase in the rate for each 6 month term extension
APR = ANNUAL PERCENTAGE RATE


Preferred FCU