AUTO LOANS
|
Model
2004 to 2009
Term
48
months
60
months
72
months
84
months |
Amount
$8,500
$10,000
$15,000
$20,000 |
APR*
as
low as 4.55%
as
low as 4.80%
as
low as 5.05%
as
low as 5.55% |
Payment
$194.02
$187.80
$241.92
$287.88 |
|
Model
2003 & Older
Term
48
months
60
months
72
months |
Amount
$8,500
$10,000
$15,000 |
APR
as
low as 4.55%
as
low as 4.80%
as
low as 5.05% |
Payment
$194.98
$187.80
$241.92 |
HOME
EQUITY LOANS
70%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 5.04%
$160.56
120
months
$10,000 as
low as 5.54%
$108.72
180
months
$15,000 as low as
6.04% $126.90
240
months
$20,000
as low as 6.54%
$149.59
80%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 5.54%
$162.52
120
months
$10,000 as
low as 6.04%
$111.22
180
months
$15,000 as low as
6.54% $131.00
240
months
$20,000
as low as 7.04%
$155.54
90%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 6.29%
$165.48
120
months
$10,000
as
low as 6.79%
$115.03
180
months
$15,000 as low as
7.29% $137.27
240
months
$20,000
as low as 7.79%
$164.68
HOME
EQUITY BALLOON (call term 5 years)
70%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 4.75%
$104.85
240
months
$25,000
as low as 4.75%
$161.56
360
months
$35,000
as low as 4.75%
$182.58
80%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 5.25%
$107.29
240
months
$25,000
as low as 5.25%
$168.46
360
months
$35,000
as low as 5.25%
$193.27
90%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000 as
low as 6.00%
$111.02
240
months
$25,000 as low as
6.00% $179.11
360
months
$35,000
as low as 6.00%
$209.84
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
|
2004-2009
Term
36
months
48
months
60
months |
Amount
$5,000
$7,500
$10,000 |
APR
as
low as 5.30%
as
low as 5.30%
as
low as 5.55% |
Payment
$150.53
$173.74
$191.24 |
|
USED
2003
& older
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 5.80%
as
low as 5.80%
as
low as 6.05% |
Payment
$151.66
$175.45
$193.56 |
BOAT
& RV LOANS
|
2004-2009
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 |
|
USED
2003 & OLDER
Term
48
months
60
months
120
months
180
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 6.55%
as
low as 7.05%
as
low as 7.55%
as
low as 7.55% |
Payment
$201.77
$170.73
$178.44 $185.97 |
|
|
|
|
|
OTHER
SECURED LOANS
|
2004-2009
Term
36
months
48
months
60
months
|
Amount
$5,000
$8,500
$10,000
|
APR
as
low as 6.05%
as
low as 6.05%
as
low as 6.30%
|
Payment
$152.22
$176.31
$194.73
|
|
USED
2003 & OLDER
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 7.05%
as
low as 7.05%
as
low as 7.30% |
Payment
$154.50
$179.77
$199.43 |
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 9.75% |
Payment
$96.45 |
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.
~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 $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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