RATES
Loan Rates
The rates contained in this Schedule are accurate as
of May 27, 2008.
Signature Loan
loan
amount |
term
(maximum) |
variable
rate (apr) |
fixed
rate (apr) |
Up
to $50,000 |
Up to 36 Months |
-- |
9.75% to 15.75% |
Line of Credit
loan
amount |
term
(maximum) |
variable
rate (apr) |
fixed
rate (apr) |
|
3% of Balance
Monthly |
Prime + 3% |
-- |
New and Used¹ Auto/Boat/Motorcycle/Sports Vehicle/Camper Trailer/Motor Home
loan amount |
term (maximum) |
fixed rate (apr) |
To 100% of Purchase Price on New and Used
|
Up to 36 Months |
6.00% to 12.00% |
| |
48 Months |
6.25% to 12.25% |
| |
60 Months |
6.50% to 12.50% |
| |
72 Months² |
6.75% to 12.75% |
Payment Example: $25,000.00 borrowed for
36 months at 6.00% APR = monthly payment of $761.00
Credit Card Rates - Effective February 1, 2009
|
Platinum
VISA or
MasterCard
(Variable Rate) |
Gold
VISA or
MasterCard
(Variable Rate) |
Classic
VISA or
MasterCard
(Variable Rate) |
Purchase Aunnual Percentage Rate
(APR)3
|
9.15% |
10.15% |
11.15% |
| Cash Withdraw
APR |
9.15% |
10.15% |
11.15% |
| Balance
Transfer APR |
9.15% |
10.15% |
11.15% |
Share Secured
loan
amount |
term
(maximum) |
fixed
rate (apr) |
To
100% of Account Balance |
60 Months |
Share Rate + 3% |
Term Share Certificate Secured
loan
amount |
term
(maximum) |
fixed
rate (apr) |
To
100% of Account Balance |
Term of Certificate |
Certificate Rate
+ 3% |
Loan Rate Disclosures
The rates contained in this Schedule are accurate
as of May 27, 2008 This Rate Schedule sets
forth certain conditions, rates, fees, and charges applicable
to all loans and all loan requests at StarTrust Federal
Credit Union, and is incorporated as part of your loan
agreement with us.
All rates quoted are annual percentage rates (APR),
and are fixed unless otherwise noted. The APR you receive
will be within the range disclosed above and is based
on your credit history. A rate discount of .25%
will be granted to members having a checking account
with a minimum six months active history, membership
of 10 years or more, direct deposit, payment auto transfer,
and/or previous StarTrust loans on signature loans and
secured loans with the exception of Line of Credit, share
secured, term share certificate, and student loans. Direct
deposit requires net pay for discount eligibility.
¹ Term and amount based on credit requirements,
and age and condition of vehicle.
² Recreational Vehicles and Boats may
have a maximum term of 120 months. Certain criteria apply.
³ Variable rate. The Prime Rate used
to determine your APR is the highest Prime Rate published
in the Money Rates section of The Wall Street Journal
on the 15th day for the preceding 3 months.
For more information, call the Credit Union at 832.615.7000
or 800.241.5871, or Contact
Us Online |
