|
| LOAN RATES |
Effective: February 25, 2010
|
| TYPE |
TERM |
ANNUAL PERCENTAGE RATE (APR)* |
| Signature |
up to 36 months |
12.00% |
to |
18.00% |
| Share Secured |
Loan rate is determined based on current share rate on account securing loan plus 2%. The Annual Percentage Rate and corresponding daily periodic rate are disclosed on the Advance Request Voucher at the time of the advance. |
|
Home Equity LOC (up to 80% LTV**)
|
up to 120 months |
4.25% |
|
variable |
Auto Loans
|
up to 36 months |
5.00% |
to |
11.00% |
| 37-48 months |
5.25% |
to |
11.25% |
| 49-60 months |
5.50% |
to |
11.50% |
| 61-72 months |
5.75% |
to |
11.75%
|
| 73-84 months |
6.00% |
to |
12.00%
|
|
Loan to Value
adjustment factor
Age of Collateral
|
80% or less
|
81 - 100%
|
over 100%
|
|
|
-0.50%
|
base rate
|
0.50%
|
|
|
2008-2010
|
2005-2007
|
2002-2004 |
2001 & older |
| adjustment factor |
base rate
|
1.00%
|
2.00% |
3.00%
|
Recreational Merchandise
(Motorcycles, boats, motorhomes, travel trailers)and Collector Vehicles |
up to 60 months |
6.00% |
to |
12.00% |
| up to 72 months |
6.50% |
to |
12.50% |
| up to 84 months |
7.00% |
to |
13.00% |
| up to 96 months |
7.50% |
to |
13.50% |
| up to 97+ months |
8.00% |
to |
14.00% |
Fixed-Rate 2nd Mortgages
(51-80% LTV**) |
up to 180 months |
7.99% |
to |
13.99% |
Fixed-Rate 2nd Mortgages
(up to 50% LTV**) |
up to 180 months |
Loan rate varies based on index rate, plus up to 6%, depending on individual credit score.
Index is 15-year fixed mortgage rate published by One Washington Financial Mortgage. Rate may be "locked" upon approval of loan. |
| Mobile Home Purchase |
up to 144 months |
11.00% |
to |
17.00% |
|
|
*Your Annual Percentage Rate (APR) is determined by your individual credit history at the time of application. On vehicle loans length of the loan term is also a factor in determining your Annual Percentage Rate. For Signature/Collateral loans, the percentage of the loan balance that is secured by collateral will also be a factor used in determining loan rate. The Annual Percentage Rate and the corresponding daily periodic rate will be disclosed on the Advance Request Voucher at the time of the advance. Please contact a loan officer to determine your individual interest rate.
**LTV=Loan to Value, the percentage of the total value of the property, less any amount owed on a 1st Trust Deed.
|
