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Community since 1945"

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Personal Loan Rates

(Last Rate Declaration Date: July 21, 2008)

Personal Loans

Term:              Rates (APR) as Low as:
60 Month
.........................10.75%
(60 monthly payments of $21.61 per $1,000 financed)
48 Month..........................9.75%
(48 monthly payments of $25.24 per $1,000 financed)
36 Month..........................8.99%
(36 monthly payments of $31.80 per $1,000 financed)
24 Month...........................8.50%
(24 monthly payments of $45.45 per $1,000 financed)

Y
our rate may vary from the above rates and
will be determined by your individual credit history.

Minimum Loan $500
Maximum Loan $20,000.00

"Quick Cash" Line of Credit

Revolving..........(Rate (APR) as Low as): 8.99%
(Credit and Security Agreement)
(Monthly Payment are calculated by costs per $100 of amount financed):
$0.01 - $4000.00.......................$3.50
$4000.01 - $6000.00..................$3.00
$6000.01 - $8000.00..................$2.50
$8000.01 and over.....................$2.40

Minimum Limit - $500
Maximum Limit - $20,000.00

Computer Loans

Term:              Rates (APR) as Low as:
48 Month
.........................8.74%
(48 monthly payments of $24.76 per $1,000 financed)
36 Month.........................7.74%
(36 monthly payments of $31.21 per $1,000 financed)
24 Month.........................6.74%
(24 monthly payments of $44.65 per $1,000 financed)
12 Month.........................5.74%
(12 monthly payments of $85.94 per $1,000 financed)
Your rate may vary from the above rates and
will be determined by your individual credit history.


Minimum Loan $500
Maximum Loan $4,000.00

Overdraft Line of Credit

Revolving.........................16.00% (APR)
(Credit and Security Agreement)

(Monthly payment is determined by monthly balance):
Payment.............................. Balance
$25.00 ...........................$1.00 - $500.00
$50.00 .....................$500.01 - $1000.00
$75.00 ...................$1000.01 - $1500.00
$100.00..................$1500.01 - $2500.00

Overdraft is protection for your Share Draft Account
Limits of $500 to $2500 Available

Share Secured Loan

Up to 60 Months.........................4.25% (APR)
(Minimum monthly payment $35.00)

Share Secured Line of Credit

Revolving.........................9.90% (APR)
(Credit and Security Agreement)

(Monthly Payment are calculated by costs per $100 of amount financed):
$0.01 - $4000.00........................$3.50
$4000.01 - $6000.00..................$3.00
$6000.01 - $8000.00..................$2.50
$8000.01 and over.....................$2.40

Minimum Limit - $500
Maximum Limit - $25,000.00

Share Certificate Secured Loan

Up to 36 Months.........................3% (APR) above rate
Limits available from $500 up to certificate balance.

VISA®

CLASSIC

12.90%

Limits available from
$500 to $15,000
Share  Secured Visa Classic
also available
Visa Classic
Application / Disclosure
(PDF)
(requires Adobe Acrobat Reader )

GOLD

9.90%

Limits available from
$3,000 to $20,000
Visa Gold
Application / Disclosure
(PDF)
(requires Adobe Acrobat Reader )

 

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All rates disclosed above are done so using the
APR (Annual Percentage Rate), and are disclosed
with the lowest rate available to our members.

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Your rate may vary from the above rates and
will be determined by your individual credit history.

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All rates are subject to change without notice.

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Maximum of unsecured credit per member is $20,000.00

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All rates disclosed on this page are FIXED

 
   
  Copyright 2008 Saratoga's Community Federal Credit Union. All rights reserved