AUTO LOANS
|
Model
2006 to 2010
Term
48
months
60
months
72
months
84
months |
Amount
$8,500
$10,000
$15,000
$20,000 |
APR*
as
low as 4.25%
as
low as 4.50%
as
low as 4.75%
as
low as 5.25% |
Payment
$192.87
$186.43
$239.84
$285.03 |
|
Model
2000 to 2005
Term
48
months
60
months
72
months |
Amount
$8,500
$10,000
$15,000 |
APR
as
low as 4.75%
as
low as 5.00%
as
low as 5.25% |
Payment
$194.79
$188.71
$243.32 |
|
Model
1999 & Older
Term
48
months
60
months
|
Amount
$8,500
$10,000
|
APR
as
low as 5.75%
as
low as 6.00%
|
Payment
$198.65
$193.33
|
HOME
EQUITY LOANS
70%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 5.24%
$161.34
120
months
$10,000 as
low as 5.74%
$109.72
180
months
$15,000 as low as
6.24% $128.53
240
months
$20,000
as low as 6.74%
$151.95
80%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 5.74%
$163.30
120
months
$10,000 as
low as 6.24%
$112.23
180
months
$15,000 as low as
6.74% $132.65
240
months
$20,000
as low as 7.24%
$157.95
90%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 6.49%
$166.27
120
months
$10,000
as
low as 6.99%
$116.06
180
months
$15,000 as low as
7.49% $138.97
240
months
$20,000
as low as 7.99%
$167.16
HOME
EQUITY BALLOON (call term 5 years)
70%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 4.95%
$105.82
240
months
$25,000
as low as 4.95%
$164.30
360
months
$35,000
as low as 4.95%
$186.82
80%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 5.45%
$108.28
240
months
$25,000
as low as 5.45%
$171.27
360
months
$35,000
as low as 5.45%
$197.63
90%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000 as
low as 6.20%
$112.03
240
months
$25,000 as low as
6.20% $182.00
360
months
$35,000
as low as 6.20%
$214.36
HOME
EQUITY LINE OF CREDIT
|
LTV
Up
to 70%
70%
to 80%
81%
to 90%
|
APR
Prime
- 0.50%*
Prime
Prime
+ 0.75%
*
floor rate is 4.00% |
APR
4.00%
4.00%
4.00%
|
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%
6.00% |
RECREATIONAL
EQUIPMENT LOANS
|
2005
to 2010
Term
36
months
48
months
60
months |
Amount
$5,000
$7,500
$10,000 |
APR
as
low as 5.50%
as
low as 5.50%
as
low as 5.75% |
Payment
$150.98
$174.42
$192.17 |
|
2003
& older
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 6.00%
as
low as 6.00%
as
low as 6.25% |
Payment
$152.11
$176.14
$194.49 |
BOAT
& RV LOANS
|
2005
to 2010
Term
48
months
60
months
120
months
180
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 5.55%
as
low as 5.80%
as
low as 6.55%
as
low as 6.55% |
Payment
$197.87
$164.79
$170.70 $174.77 |
|
2004 &
Older
Term
48
months
60
months
120
months
180
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 6.75%
as
low as 7.25%
as
low as 7.75%
as
low as 7.75% |
Payment
$202.56
$171.69
$180.02 $188.26 |
OTHER
SECURED LOANS
|
2005
to 2010
Term
36
months
48
months
60
months
|
Amount
$5,000
$8,500
$10,000
|
APR
as
low as 6.25%
as
low as 6.25%
as
low as 6.50%
|
Payment
$152.68
$177.00
$195.66
|
|
2004 &
Older
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 7.25%
as
low as 7.25%
as
low as 7.50% |
Payment
$154.96
$180.47
$200.38 |
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 9.95% |
Payment
$96.73 |
VISA
| No
Annual Fee |
No
fee balance transfer |
APR
Prime
+
6.75% |
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 an evaluation of credit history,
loans terms including number of scheduled amounts to repay,
loan-to-value, and account relationships with Minnesota Valley FCU
based on the EZ Six Rewards.
Additional restrictions may apply. *APR = Annual Percentage Rate.
Rates quoted are the lowest possible including discounts, so
your rate may differ.
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.
~Private
Party Purchase Interest Rate Adjustment: +1.00% for private party sale
transactions from one individual to another.
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 $100 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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