$100,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
CPLC FCU Privacy Statement
| LOAN RATES | Term in months | Credit Score of 680 & above | Credit score of 660-680 | Credit Score of 640-659 | Credit Score of 622-639 | Credit Score of 600-631 | Credit Score of 552-599 | Credit Score of 000-551 |
| Effective date: June 30, 2008 | ||||||||
| Auto and Truck loans - New and Used | APR | APR | APR | APR | APR | APR | APR | |
| Model years 2006 & up | 36- 48 | 6.25% | 6.75% | 7.25% | 8.25% | 9.25% | 13.25% | 14.25% |
| 60 | 6.50% | 7.00% | 7.50% | 8.50% | 9.50% | 13.50% | 14.50% | |
| Model years 2000-2005 | 36 to 48 | 7.75% | 8.25% | 8.75% | 9.75% | 10.75% | 14.75% | 15.75% |
| 60 | 8.00% | 8.50% | 9.00% | 10.00% | 11.00% | 15.00% | 16.00% | |
| Recreational Vehicles | ||||||||
| New and Used RV | up to 84 months | 8.00% | 8.50% | 9.00% | 10.00% | 11.00% | 15.00% | 16.00% |
| New Motorcycle 2006 and up | up to 48 | 8.00% | 8.50% | 9.00% | 10.00% | 11.00% | 15.00% | 16.00% |
| Used Motorcycle - 2000 -2005 | up to 36 | 9.00% | 9.50% | 10.00% | 11.00% | 12.00% | 16.00% | 17.00% |
| Boats- New and Used | 24 | 8.00% | 8.50% | 9.00% | 10.00% | 11.00% | 15.00% | 16.00% |
| Personal Signature Loans | ||||||||
| Share Secured | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | |
| Payday Loans | 3 | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% |
| Signature - fixed rate and term | up to 60 | 11.00% | 11.50% | 12.00% | 13.00% | 14.00% | 18.00% | 18.00% |
| Line of Credit | open | 14.95% | 14.95% | 14.95% | 14.95% | 14.95% | 14.95% | 14.95% |
| Disclosures: | ||||||||
| Rate is determined by credit score and term. | APR = Annual Percentage Rate | |||||||
| CPLCFCU reserves the right to require a down payment. | ||||||||
| No Salavage Titles. | ||||||||
| Discounts: .25% off auto rate for 10% down payment | ||||||||
| .25% off rates for direct deposit or payroll deduction | ||||||||
| The payment on a $25,000 loan at 60 months at 7.50% APR is $500.95 | ||||||||
| SAVINGS RATES | ||||
| Effective 6/30/08 | Term | Minimum Balance | Rate | APY |
| Share Accounts | $ 51.00 | 0.35% | 0.35% | |
| Checking Accounts | $ 500.00 | 0.25% | 0.25% | |
| Christmas Club Accounts | $ 51.00 | 0.50% | 0.50% | |
| IRA Savings | $ 5.01 | 1.50% | 1.51% | |
| Member Share Certificates | ||||
| 6 months | $ 500.00 | 2.25% | 2.27% | |
| 12 months | $ 500.00 | 2.40% | 2.43% | |
| 24 months | $ 500.00 | 2.50% | 2.53% | |
| 36 month | $ 500.00 | 2.60% | 2.63% | |
| 6 months | $ 3,500.00 | 2.35% | 2.37% | |
| 12 months | $ 3,500.00 | 2.50% | 2.53% | |
| 24 months | $ 3,500.00 | 2.60% | 2.63% | |
| 36 month | $ 3,500.00 | 2.70% | 2.74% | |
| Dividends are calculated on an average daily balance. | ||||
| For further information on applicable fees and terms, call the credit union. | ||||
| APY = Annual Percentage Rate | ||||
| There are penalties for early withdrawal from a share certificate. | ||||
Your savings federally insured to
at least
$100,000 and backed by the full faith and credit of the United
States Government
National Credit Union
Administration, a U.S. Government Agency
CPLC FCU Privacy Statement
