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Effective 01/23/12
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Type of Loan
|
|
Annual Percentage Rate
|
| Personal Unsecured |
|
12-48 months, $1000 minimum
|
|
10.65%** |
| Retirement Loan |
| 5 yr. max. |
|
12.90% |
| Prime Line of Credit 6.90% Above Prime Rate* |
|
10.15% |
| |
| Share Collateral 3% Above Share Rate |
|
3.25% |
| 3 yr. max. |
| Certificate Collateral 3% Above CD Rate |
|
refer to CD Rates |
| |
| Home Equity Loan |
| 5 yr. max. 80% LTV |
loans up to $24,999 |
4.75% |
| 5 yr. max 80% LTV |
minimum loan of $25,000 |
4.25%** |
| 10 yr. max. 80% LTV |
minimum loan of $25,000 |
4.75%** |
| 15 yr. max. 80% LTV |
minimum loan of $25,000 |
5.25%** |
| Home Stretch Home Equity Loan |
| 12 yr. max. 80% LTV |
1st lien position, minimum loan of $10,000 and maximum of $250,000 |
3.89% |
| Security Home Equity Line of Credit |
| 80% LTV, The rate is 1.99% for 1st 12 months, .51% below Prime Rate* thereafter |
|
1.99% |
| New Auto |
| 5 yr. max. |
2011-2012 Hybrid Autos |
2.15%** |
| 5 yr. max. |
2011-2012 |
2.40%** |
| 6 yr. max. |
2011-2012 |
2.90%** |
| Used Auto |
| 5 yr. max. |
2010-2011 |
2.40%** |
| 6 yr. max. |
2010-2011 |
2.90%** |
| 5 yr. max. |
2009 |
2.40%** |
| 6 yr. max |
2009 |
2.90%** |
| 4 yr. max. |
2008 |
3.50%** |
| 5 yr. max. |
2008 |
3.50%** |
| 4 yr. max. |
2007 |
3.90%** |
| 5 yr. max. |
2007 |
3.90%** |
| 3 yr. max. |
2006 |
6.00%** |
| 4 yr. max. |
2006 |
6.20%** |
| 5 yr. max. |
2006 |
7.50%** |
| 3 yr. max. |
2005 |
6.25%** |
| 4 yr. max. |
2005 |
7.95%** |
| 5 yr. max. |
2005 |
8.50%** |
| 3 yr. max. |
2004 |
9.50%** |
| 4 yr. max. |
2004 |
9.85%** |
| New Mobile Home |
| 10 yr. max., 30% down |
|
11.90% |
| Used Mobile Home |
| 7 yr. max., 30% down |
|
11.90% |
| New Motor Home |
| 7 yr. max., 20% down |
|
12.75% |
| Used Motor Home |
| 5 yr. max., 30% down |
|
13.75% |
| New Boats |
| 15 yr. max., 20% down, $50,000 max. loan |
|
8.75% |
| Used Boats |
| 15 yr. max., 20% down, $50,000 max. loan |
|
9.25% |
| New Motorcycle |
| 5 yr. max., 25% down |
|
11.50% |
| Used Motorcycle |
| 4 yr. max., 25% down |
|
11.75% |
| *Current Prime Rate 3.25% |
**Rate assumes a .25% discount for payments made by payroll deduction or automatic deduction from a
Rhode Island Credit Union Checking Account. |
| All rates are subject to change without notice. New Auto Loan, Used Auto Loan, Home Equity Loan and Personal Loan interest rates are the lowest rates available and are determined by individual credit worthiness. Other rates and terms available. |
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