Loan
Rate Sheet |
|
Vehicle
Loans (Including motorcycles, boats, campers and motor homes)1 |
| New and Used |
as low as 4.50% APR† |
up to 72 months* |
| New and Used > $30,000 |
as low as 5.50% APR† |
up to 84 months* |
Recreational Vehicles (Motor homes, travel trailers
and boats)1 |
| 2004 - 2007 > $30,000 |
as low as 5.50% APR†
|
up to 120 months* |
| 2003 and older > $30,000 |
as low as 5.50% APR†
|
up to 84 months* |
Driving Sense1 |
| Less than $20,000 |
as low as 5.20% APR† |
|
| Greater than $20,000 |
as low as 4.50% APR† |
|
Personal Loans1 |
| as low as 7.00% APR† |
up to 36 months* |
|
Share Secured Loans |
| Shares |
2% above dividend paid on regular Shares*3 |
|
| Share Certificates |
2% above dividend paid on Share Certificate*3 |
|
Second Mortgage Loans (minimum
loan amount $5,000)1 |
| Fixed Rate |
as low as 4.00% APR† |
up to 60 months* |
| Fixed Rate < 80% LTV** |
as low as 5.00% APR† |
61-240 months* |
| Fixed Rate > 80% LTV** |
as low as 5.50% APR† |
61-120 months* |
Home Equity Line of Credit
(HELOC)4 |
| Variable Rate < 80% LTV** |
Prime Rate |
|
| Variable Rate > 80% LTV** |
Prime Rate + 2% |
|
Dayton Firefighters VISA Cards2 |
|
|
Relationship Discounts |
| Direct Deposit |
Checking Account |
ATM Debit Card |
| Share Certificate or average Savings balance greater
than $2,000 |
DFFCU Visa Credit Card with a current balance |
| |
| * Rates quoted are based on having all of the above
services. |
| ** LTV = Loan to Value |
| † APR = Annual Percentage Rate |
| 1 Interest
rates are subject to type
of loan, credit score, terms, borrower's credit history, and
account relationships. Rates quoted include 5 relationship discounts
and new money. All rates are subject to change. Other conditions
may apply. New vehicles are current model year and three previous
years. The model year of the vehicle along with credit score
may affect term and rate. |
| 2 Default APR of Maximum Rate (18%)
after two consecutive months in default |
| 3
Adjustable Rate: Share Certificate – The
Annual Percentage Rate (APR) will be the dividend rate being
paid on the Certificate offered as security (Index) plus 2.0%.
The Certificate must be renewed until the advance is completely
paid. Failure to renew will result in default under the Plan.
When the Certificate is renewed the APR will change to reflect
the new dividend rate. When the APR increases, you will have
the choice of choosing higher payments or keeping your payment
the same, which results in more payments than if you choose to
increase your payment amount. The present APR will be disclosed
on the voucher at the time of the advance; Regular Shares – The
Annual Percentage Rate (APR) for share secured advances will
be the dividend rate being paid on regular shares (Index) on
the date of the advance plus 2.0% 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 rates are subject to change on the first day of
every month to reflect any change in the index. Any increase
in the APR will take the form of more payments of the same amount
until what you owe has been repaid. |
4 HOME EQUITY: Minimum payments are 2% or $100.00,
which ever is greater.
Annual fee of $25.00; waived for balances over $5000.00. Maximum
APR of 18%. Finance charges begin accruing immediately after
the advance or purchase. There is no grace period. HELOC is based
on the prime rate. The annual percentage rate may vary. Prime
is determined on the first day of the last month before a new
quarter begins. The prime rate as of March 1, 2007 was 8.25%
APR. Average closing costs of $252.00. Home Owners insurance
is required on all second mortgage loans and HELOC loans. |
| 5 Second Mortgage: Loans
are at a fixed rate for a minimum of $5,000 and a maximum of
$150,000. Interest rates are subject to credit score, LTV, loan
term, borrower's credit history, and account relationships. Rates
quoted include 5 relationship discounts, a 60 month term or less,
and new money. All rates are subject to change. Other conditions
may apply. |
| LATE CHARGES: If you are more than 10 days late
in making a payment, you will pay a late charge of $10.00. |
| COLLECTION COSTS: You promise to pay all costs
of collecting the amount you owe under this Agreement to the
extent permitted by state law |
