| Celebrate
Your Birthday With A $1,000 Loan* with
no credit check. |
| To
qualify, you must meet all of these requirements. |
| •
Payments
must be made through payroll deduction/Direct Deposit. |
| •
Before you can apply: |
|
|
1. |
A
deduction with the same employer must be in place for at least 6
months. |
|
2. |
You
must be current on all CPECU loans and VISA Card,
with no negative Share or Share Draft Accounts. |
|
3. |
Application
can only be made during your birthday month. |
|
The
approximate monthly payment for $1,000 at 16.00% APR for 12 months
is
$92.48 including Credit Life & Disability Protection.
|
| *
One Birthday Loan per Member Account. For members in good standing.
No refinancing. Loans will be processed in the order they are received.
No discounts apply. Loan does not qualify for Signature Loan Drawings.
APR = Annual Percentage Rate |
| Apply
For A Low Rate Signature Loan* |
|
|
Receive
a discount
of up to 0.75% on your qualifying loan rate by using a combination
of the CPECU services listed below.
|
Signature
Loan Drawings
For $50
VISA Gift Cards Continue
In 2010
Borrow
$1,000+ and be entered in a monthly drawing for a $50
VISA Gift Card. |
| |
| New
Home Equity Promotion - |
$250
Home Improvement Gift Card Drawing
Qualify for the quarterly drawing by taking an advance of at least
a $5,000
on a CPECU Home Equity Loan or Equity Line of Credit.
Read about our latest Gift Card Drawing Winner here.
|
| |
|
We
make it easy for you to save on your loan!
|
|
CPECU
provides various lending products to its members. Learn more
by clicking on the menu above to select a product that best fits
your loan requirements.
|
|
Always
contact CPECU to compare rates and terms before you finance elsewhere.
|
| |
|
Below
are the lowest current RATES for all of our various lending products.
The
Loan Rate offered on some loans is determined by a member's individual
credit quality.
Rates quoted below already include the 0.75% loan discount on
the Auto Loans and Signature Loan types below. Smart
Loans are excluded from Service Usage Discounts.
|
| |
| Current
Loan Rates as of July 1, 2010 |
| Lending
Product |
Annual
Percentage Rate (APR) |
| New
& 1 Year Old Titled Vehicles |
As
low as:
3.10%* for 60 Months
3.64%* for 72 Months - $25,000 minimum
5.14%* for 84 Months - $35,000 minimum
|
Used
Titled Vehicles -
2 Years or Older |
As
low as:
3.61%* for 60 Months
4.04%* for 72 Months -
$25,000 minimum
|
| Classic
/ Antique Titled Vehicles |
As low as:
3.60%* for 60 Months
4.14%* for 72 Months - $25,000 minimum
5.64%* for 84 Months - $35,000 minimum
|
| Visa
Classic |
14.90%
Fixed
|
| Visa
Secured |
10.00%
Fixed
|
|
Signature
|
As low as:
9.25%* for 24 Months
9.50%* for 36 Months
9.75%* for 48 Months
|
Closed-End
Home Equity
(Fixed Rate for the entire loan term) |
As
low as:
6.25% based on 80% Loan to Value
for up to 15 Years
|
Open-End
Home Equity
(Variable Rate) |
As
low as:
3.25% based on 80% Loan to Value with a minimum credit line
of $5,000 for up to 15 years
|
|
Share Secured
Loan
|
Secured
by Shares:
3.50% for up to 60 months-
4.50%
for up to
120 months
Secured by
Certificates:
3.00% above Certificate rate
|
| Property
Improvement Secured |
5.25% for
up to 60 months
|
| Debt
Consolidation |
17.90%
Fixed from 36 to 48 months depending on amount borrowed from $2,500
to $10,000 |
| *
Loan Rate is determined by each member's individual credit quality.
On loan types where the Loan Rate Discounts (listed below) apply,
the rates quoted above already include the maximum 0.75% Standard
Vehicle and Signature Loan Rate Discounts. Smart Loans are excluded
from Service Usage Discounts. |
| |
Standard
Vehicle and Signature Loan Rate Discounts*: |
|
•
|
.25%
for repaying through ACH/Payroll Deduction |
|
•
|
.25%
for having a CPECU Share Draft account with direct deposit of Net
Check |
|
•
|
.25%
for having a CPECU ATM/Master Money Debit Card |
|
•
|
.25%
for having a CPECU Visa |
|
•
|
.25%
for purchasing a fuel-efficient vehicle (30-MPG) |
| |
(Maximum
discount allowed is .75% off qualifying rate) |
| |
*
Smart Loans are excluded from Service Usage Discounts.
|
| |
Rates
shown are current as of July 1, 2010.These
rates may change from time to time. Please call CPECU for current
loan rates. |
