AUTO LOANS
|
Model
2004 to 2008
Term
48
months
60
months
72
months
84
months |
Amount
$8,500
$10,000
$15,000
$20,000 |
APR*
as
low as 4.50%
as
low as 4.75%
as
low as 5.00%
as
low as 5.50% |
Payment
$193.86
$187.60
$241.62
$289.74 |
|
Model
2003 & Older
Term
48
months
60
months
72
months |
Amount
$8,500
$10,000
$15,000 |
APR
as
low as 6.00%
as
low as 6.25%
as
low as 6.50% |
Payment
$199.67
$194.54
$252.20 |
HOME
EQUITY LOANS
|
LTV:
80%
Term
60
months
120
months
180
months
240
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 4.84%
as
low as 5.34%
as
low as 5.84%
as
low as 6.34% |
Payment
$159.81
$107.76
$125.32
$184.09 |
|
LTV:
90%
Term
60
months
120
months
180
months
240
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 5.34%
as
low as 5.84%
as
low as 6.34%
as
low as 6.84% |
Payment
$161.77
$110.25
$129.38
$191.48 |
|
LTV:
95%
Term
60
months
120
months
180
months
240
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 6.09%
as
low as 6.59%
as
low as 7.09%
as
low as 7.59% |
Payment
$164.72
$114.04
$135.62
$202.83 |
HOME
EQUITY BALLOON (call term 5 years)
LTV:
Up to 80%
Term
Amount
APR
Payment
10
years
up to $10,000 as
low as 4.55%
$103.90
20
years
$10,001 - $25,000 as low as 4.55%
$158.87
30
Years
over $25,000
as low as 4.55%
$127.45
LTV:
Up to 90%
Term
Amount
APR
Payment
10
years
up to $10,000 as
low as 5.05%
$106.33
20
years
$10,001 - $25,000 as low as 5.05%
$165.71
30
Years
over $25,000
as low as 5.05%
$135.00
LTV:
Up to 95%
Term
Amount
APR
Payment
10
years
up to $10,000 as
low as 5.80%
$110.05
20
years
$10,001 - $25,000 as low as 5.80%
$176.27
30
Years
over $25,000
as low as 5.80%
$146.73
HOME
EQUITY LINE OF CREDIT
|
LTV
Up
to 70%
70%
to 80%
81%
to 90%
91%
to 95% |
APR
Prime
- 0.50%
Prime
Prime
+ 0.75%
Prime
+ 1.50% |
APR
4.50%
5.00%
5.75%
6.50% |
STUDENT
LOANS
|
Federal
Stafford
Federal
Plus
Parent
Student Education Loan |
7/1/07
to 6/30/08
7/1/07
to 6/30/08
7/1/07
to 6/30/08 |
APR
6.80%
8.50%
7.93% |
RECREATIONAL
EQUIPMENT LOANS
|
NEW
Term
48
months
60
months |
Amount
$8,500
$10,000 |
APR
as
low as 5.50%
as
low as 5.75% |
Payment
$197.72
$192.21 |
|
USED
'04-'07
Term
48
months
60
months |
Amount
$8,500
$10,000 |
APR
as
low as 5.50%
as
low as 5.75% |
Payment
$197.72
$192.21 |
|
USED
2003
& older
Term
48
months
60
months |
Amount
$8,500
$10,000 |
APR
as
low as 6.00%
as
low as 6.25% |
Payment
$199.67
$194.54 |
BOAT
& RV LOANS
|
NEW
Term
48
months
60
months
120
months |
Amount
$8,500
$10,000
$25,000 |
APR
as
low as 5.75%
as
low as 6.00%
as
low as 6.75% |
Payment
$198.69
$193.37
$287.12 |
|
USED
'04-'07
Term
48
months
60
months
120
months |
Amount
$8,500
$10,000
$25,000 |
APR
as
low as 5.75%
as
low as 6.00%
as
low as 6.75% |
Payment
$198.69
$193.37
$287.12 |
|
USED
2003 & OLDER
Term
48
months
60
months
120
months |
Amount
$8,500
$10,000
$25,000 |
APR
as
low as 6.75%
as
low as 7.00%
as
low as 7.75% |
Payment
$202.61
$198.06
$300.10 |
|
|
|
|
|
OTHER
SECURED LOANS
|
NEW
Term
48
months
60
months
|
Amount
$8,500
$10,000
|
APR
as
low as 6.25%
as
low as 6.50%
|
Payment
$200.64
$195.71
|
|
USED
'04-'07
Term
48
months
60
months |
Amount
$8,500
$10,000 |
APR
as
low as 6.25%
as
low as 6.50% |
Payment
$200.64
$195.71 |
|
USED
2003 & OLDER
Term
48
months
60
months |
Amount
$8,500
$10,000 |
APR
as
low as 7.25%
as
low as 7.50% |
Payment
$204.58
$200.43 |
SHARE
SECURED LOANS
|
Primary Share, Money Market, or CD secured |
2.00% above deposit rate |
APR
3.50%
minimum |
UNSECURED
LOANS
|
Term
36
months |
Amount
$3,000 |
APR
as
low as 9.50% |
Payment
$96.13 |
VISA
| No
Annual Fee |
No
fee balance transfer |
APR
9.90% |
LINE
OF CREDIT
|
No Annual Fee |
No Advance Fee |
APR
12.90% |
For
more information, please call (507) 387 - 3055
|
|
Rates
and terms are subject to change at any time based upon
Asset-Liability Committee (ALCO) review and changing market conditions.
These rates and terms do not constitute a contract or
obligation. Rates are calculated based on credit history,
loans terms, and relationship with Minnesota Valley FCU.
Additional restrictions may apply. *APR = Annual Percentage Rate.
Rates quoted are the lowest possible,
including discounts.
Total of all discounts limited to 1.00%.
Contact the loan department for
details at 507-387-3055 or 800-247-0522 or via email loan@mnvalleyfcu.coop.
To see our current Savings Rates, click here.
Discounts
Available
Refinance Special: Members refinancing
another lender secured, non-mortgage loan will receive a 0.25% discount to the
comparable product rate listed above and up to a $75 gas card.
EZ Six Reward: Discount of 0.25% for having
at least six of the following twelve products and/or services: active checking
account; online bill payer; Visa credit or debit card; online banking; ART;
MyCardInfo; direct deposit; savings or loan of $2,000 or more; auto bill pay
(ACH); L-4 (checking line of credit); and at least one of the following -Credit
Life, Credit Disability MBI or GAP. Discount does not apply to the following
loans: mortgage, home equity, checking account line of credit, or Visa.
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