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Loan Type
Approx. Term
Annual Percentage Rate (APR)
*Signature Loan
6-60 Months
9.00%-18.00%
*12-12-12 Holiday Signature
12 Months
12.00%
**Share-Secured
6-72 Months
3.0% Above Index
***Certificate of Deposit Secured Loan
5-35 Months
CD APR + 3.0%
Rates are subject to change.
*New Car & Truck
24-72 months
4.49%-11.00%
*Used Car & Truck
5.99%-12.00%
*New Motorcycle, Camper, Boat, Recreational Vehicle
*Used Motorcycle, Camper,Boat, Recreational Vehicle
6.99%-13.00%
*Classic or Collector Car & Truck
7.99%-13.00%
Card Type
Annual Fee
Annual Percentage Rate (APR)For Purchases
Visa® Classic
NONE
As low as 12.90%*
Visa® Platinum
As low as 7.90%*
Rates are subject to change.Rates are based on certain credit-worthiness criteria.
Late Charges: If your payment is more than 10 days late, you will be required to pay a late charge of $25.00.**The ANNUAL PERCENTAGE (APR) for share-secured advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus the percentage shown in the “% Above Index” column above with a floor rate of 5.00%.
If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance.
* The Annual Percentage Rate (APR) and term you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate and term you qualify for.
*** Certificate of Deposit Secured LoansA member may pledge their Certificate of Deposit with FHCU as collateral to secure a loan.