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Imagine being part of a financial organization where you elect the Board Members. Where you are one of the owners. Where all of the profits go back into the Credit Union to make sure that our Members receive some of the lowest loan rates every day of the week. Imagine no more. Pacific Crest Federal Credit Union. Where You Belong!
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LOANLINER Addendum
This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. Please keep this attached to your LOANLINER Credit Agreement.
Rates Effective: May 8, 2008
Prime 5.00%
| Loan Type | % Above Index | Term | Annual Percentage Rate | ||||||||||
| Shared Secured | 3% | Up to 180 mos. | [view] | ||||||||||
| Certificate Secured | 3% | Up to 180 mos. | [view] | ||||||||||
| Vehicle Secured |
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| Motorhome, Boats, Fifth-wheels, Horse Trailer & Travel Trailers |
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| All Other Secured |
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| Line of Credit/Overdraft Protection Signature Advance |
N/A Up to 180 mos. |
12.75% - 18.00% 12.75% - 18.00% |
*Call or stop by your local branch for current account disclosures
Rate Discounts for a maximum of .50% (Decrease Loan Rate)
These discounts do not apply to lines of credit, share or certificate secured loans.
- .25% Active Checking Account
- .25% Active Direct Deposit / Set-up New Direct Deposit
- .25% Automatic Payments
- .25% Energy Efficient Vehicle
- .25& for 80% Loan-to-Value**
**For new money to credit union (new purchase or refinanced) Beacon Score must be 639 or higher. This discount only applies to Secured Vehicle Loans.
Rate Additions (Increase Loan Rate)
- .25% if vehicle is older than 5 years
- .25% if over 100,000 miles
- .75% if Loan to Value is 115%-120%
- 1.00% if Loan to Value is greater than 120%
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