Saint Luke's CU -LOAN RATES

Rates effective September 1, 2011. Rates valid only for new purchases or dealer refinancing. Rates subject to change without notice. The annual percentage rate and term you receive will be determined by your individual credit worthiness. The interest rates below are shown as applicable to your credit score.
	Rates (%) by Credit Score
Term (Months)	750 & Above	749-650	649-600	599 & Under	Loan Amount Guidelines (based on Credit Score)
2008-2012 New and Used Auto/Boat/RV/Motorcycles
12 - 36	3.50	5.75	9.00	14.50	90%-75% of retail price
37 - 48	4.00	6.00	9.75	14.75	90%-75% of retail price
49 - 60	4.50	6.75	10.00	15.00	90%-75% of retail price
61 - 72	5.00	7.00	10.50	15.00	90%-75% of retail price
73-84	6.00	7.25	Minimum Loan of $25,000
AUTO SPECIAL \| NEW & USED 2008 - 2012 VEHICLES Credit Score of 775 and above. 90% of Loan to Value. 24-60 Months = 2.90% \| 72 Months = 3.90% Valid for new loans only. (.25% discount does not apply. Subject to change.)
2008-2012 NEW and Used Boats or Camper/RV \| $25,000 minimum
73 - 84	7.75	10.00	14.25	18.00	90%-75% of retail price
85 - 96	8.00	10.25	15.25	18.00	90%-75% of retail price
120-144	8.50	10.50	16.25	18.00	90%-75% of retail price
2003-2007 Used Auto/Boat/RV/Motorcycle
12 - 36	6.00	7.00	10.75	18.00	90%-75% of retail price
37 - 48	6.50	7.25	11.00	18.00	90%-75% of retail price
49 - 60	7.00	7.75	11.25	18.00	90%-75% of retail price
Signature Loan \| $7,500 maximum
12	7.90	10.50	15.25	19.00
24	8.90	11.50	16.25	19.00
36	9.90	12.50	17.25	19.00
48	10.90	13.50	18.25	19.00
Checking Overdraft Line of Credit \| $1,000 max loan \| $50 min advance
Open Term	12.00	14.00	18.00	19.00
Line of Credit Loan \| $10,000 maximum loan \| $50.00 minimum advance
Open Term	8.00	10.75	16.25	19.00
Line of Credit and Overdraft LOC Payment Table		LATE FEES: A Late Fee of $15.00 will be assessed if you are 20 or more days past due. FILING FEES: A filing fee will be charged to file the lien on Security of Collateral. COLLECTION FEES: All costs of collecting an amount owed under the Credit Union Agreement, including court costs and attorneys fees, will be charged to the member. INSURANCE: Vehicles financed over the Loan to Value Percentage will be recommended to purchased Guaranteed Asset Protection Ins. (GAP) for a one time fee of $300.00
Balance After Last Advance $	Minimum Monthly Payment $
50—500	20.00
501—1,000	40.00
1,001—1,500	60.00
1,501—2,000	80.00
2,001—2,500	100.00
2,501—3,000	120.00
3,001—5,000	175.00
5,001—7,500	250.00
7,501—10,000	350.00

.25% OFF all loan rates
with enrollment in
Payroll Deduction.

Fees
Online Calculators
Loan
Loan Comparison
Savings
Retirement
Kids

Home Equity Loan
Line of Credit
4.75%
Variable Rate
$5000.00 min.
(85% of equity value)

Share Secured Loan
36 Months | 2.90%
$50 above the balance will be held for length of loan.

CD-Secured Loan
4.00%
Maximum loan term up to the maturity of the CD, not to exceed 24 months

Money Market
Secured Loan
36 Months | 4.00%
Share balance over $1,500.00

Visa Credit Card
13.50% Standard Rate
(.25% Off does not apply)