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| Rates Effective:Jan. 3rd, 2012 |
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 |
2009 – 2012 |
 |
Rate* |
Term/ Amortization |
|
Model Year |
2.99% |
24 – 72 Months |
|
* Rates, terms and financing limits are determined by credit history. Rate fully discounted with
Direct Deposit to an AMCCU checking account. Purchase or refinance only. Excludes existing AMCCU loans.
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| 2003 – 2008 |
Rate* |
Term/ Amortization |
| Model Year |
6.99% |
24 – 60 Months |
|
| * Rates, terms and financing limits are determined by credit history. Rate discount of .25% available with an active AMCCU checking account, and .25% rate discount available with Direct Deposit. |
|
 |
2008 - 2012 |
Rate* |
Term/Amortization |
| Model Year |
6.25% |
60 Months |
|
* Rate, term and financing limits are determined by credit history. Additional discounts for automatic payments from an AMCCU checking account are not available with promotional rate. |
|
 |
| |
Rate* |
|
| |
7.99% - 19.99% |
|
| Rates and credit limits from $500 - $25,000 are determined by credit history. Credit limits over $5,000 require an active AMCCU checking account. |
|
 |
| |
Rate* |
|
| Secured |
9.99% |
Up to 60 Month Terms |
|
| Unsecured |
11.99% |
Up to 60 Month Terms |
| Rates, terms and credit limits are determined by credit history. Rate discount of .25% available with an active AMCCU checking account, and .25% rate discount available with Direct Deposit. |
|
 |
| |
Rate* |
Payment |
| Shares (2 Year Balloon) |
3.00% over earnings |
$50 Minimum Payment |
|
| Certificate |
3.00% over earnings |
$50 Minimum Payment |
| Minimum loan amount of $500. |
|
 |
| Close-end (Fixed) |
Rate* |
Payment/Amortization |
| 5 year Balloon, 90% or less LTV |
6.49% |
180 Month |
|
| Close-end (Line of Credit) |
|
|
| 5 year Balloon, 90% or less LTV |
6.99% |
1% Balance |
| (.50% discount available with AMCCU checking account and automatic payment) |
|
| Open-end (Line of Credit) |
|
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| |
|
90% or less LTV |
| $5,000 - $25,000 |
4.25% |
1.5% Balance |
| > $25,000 |
3.25% |
1.5% Balance |
| Rate discount of .25% available with an active AMCCU checking account and .25% rate discount available with Direct Deposit (excludes lines of credit unless noted). Appraisal may be required for amounts over $25,000.00. Lines of credit carry a pro-rated $35 annual fee. †Maximum loan-to-value of 90% if first mortgage is held by AMCCU. |
|
 |
| |
Rate* |
Amortization |
| 1 Year Balloon |
6.25% |
180 Months |
| 2 Year Balloon |
6.75% |
180 Months |
| 3 Year Balloon |
7.25% |
180 Months |
| Appraisal required in most situations. 20% down payment and loan-to-value requirements may vary based on whether the loan is for purchase, for refinance, or first mortgage lien position. Discount of .25% available with an active AMCCU checking account, and .25% rate discount available with Direct Deposit. |
|
 |
| |
Rate* |
APR# |
|
| Construction |
3.25% |
3.255% |
12 Months - Interest Only |
| Adjustable Rates |
(1 Year) |
3.25% |
3.255% |
max. 80% LTV |
| 360 Month Amortization** |
(3 Year) |
4.25% |
4.255% |
max. 80% LTV |
| (5 Year) |
4.25% |
4.255% |
max. 80% LTV |
| Balloon |
(5 Year) |
5.375% |
5.613% |
max. 90% LTV |
| 360 Month Amortization** |
(7 Year) |
5.625% |
5.807% |
max. 90% LTV |
| 1.00% Origination Fee on all new Balloon Loans |
| Fixed Rate - 15 Year |
5.625% |
5.781% |
1.00% Origination Fee** |
#APR = Annual Percentage Rate including origination fee. All owner-occupied loans over $417,000.00 will be subject to a .25% higher interest rate.
**All loans up to 95% loan to value (LTV) with private mortgage insurance unless specifically noted. Bi-weekly payments available, all loans are simple interest without pre-payment penalty. Loans are not sold to secondary market and do not require escrow accounts. Most loans close within 30 days. Adjustable rate loans are indexed to weekly U.S. Treasuries. |
*All rates are expressed as an annual percentage rate. Rates on special offers valid as of 01/01/11 and are subject to change.
**Rate discount of .25% available with an active AMCCU checking account and .25% rate
discount available with Direct Deposit (excludes lines of credit unless noted).
†Maximum loan-to-value of 90% if first mortgage held by AMCCU. Appraisal may be required for amounts over $25,000.00. Lines of credit carry a pro-rated $35 annual fee.
*All rates expressed as Annual Percentage Rate without origination fee and are subject to change at any time.
All loans subject to normal credit review, membership restrictions apply.
We do business in accordance with the Federal Fair Housing Law & Equal Credit Opportunity Act.
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