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Loans
RATES - Effective 08/01/2008
NEW Car, Truck or Van
- Current year 2007/2008/2009, 5,000 miles or less, No previous owner, 100% financing
| $3,000 minimum | up to 36-month term+ | Rate as low as 4.99% APR* |
+Longer terms available
USED Car, Truck or Van - 2004 to newer
- financing up to 100% high Kelley Blue Book
| $3,000 minimum | up to 36-month term+ | Rate as low as 5.99% APR* |
+Longer terms available
OLDER USED Car, Truck or Van - 2003 to Older
- Financing up to 105% low Kelley Blue Book for 2002 - 1988. For 1987 to older vehicles, please see a Loan Representative for details.
| $3,000 minimum | up to 36-month term+ | Rate as low as 6.99% APR* |
+Longer terms available
2ND DEED OF TRUST
- (HOME EQUITY LOAN)- No Points
- Up to 80% of appraised value, less first mortgage balance
- California owner occupied property only.
- Payment Example: For a 5 year term at 5.99% APR, you pay $19.34 per month for every $1,000 borrowed.
- Non-owner occupied property - see Real Estate Loan Officer for Details
| $10,000 - $250,000 | 5 years | Rate as low as 5.99% APR* |
| $10,000 - $250,000 | 7 years | Rate as low as 6.76% APR* |
| $10,000 - $250,000 | 10 years | Rate as low as 7.36% APR* |
| $10,000 - $250,000 | 15 years | Rate as low as 7.51% APR* |
NEW RVs, BOATS, WATERCRAFT & AIRCRAFT
- Current year, No previous owner, 100% financing
| $5,000 minimum | up to 72-month term.+ | Rate as low as 8.00% APR* |
+Longer terms available
USED RVs, BOATS, WATERCRAFT & AIRCRAFT
- Previous owner, 85% finance Appraised Fair Market Value, 90% for RVs
| $5,000 minimum | up to 72-month term.+ | Rate as low as 8.50% APR* |
+Longer terms available
NEW MOTORCYCLES
- Current year, No previous owner, 100% financing
| $3,000 minimum | up to 48-month term+ | Rate as low as 7.25% APR* |
+Longer terms available
USED MOTORCYCLES
- 100% finance AMA Value
| $3,000 minimum | up to 48-month term+ | Rate as low as 8.25% APR* |
+Longer terms available
HOME EQUITY LINE OF CREDIT
(For Owner Occupied)
| $5,000-$250,000 | Prime Rate - 1% (Currently 4.00%**) |
**This loan has a variable rate. Maximum lifetime APR is 18.00% APR. Current APR is accurate as of 04/01/2008 and is subject to change without notice. The APR is based on an index. The index is the WSJ Prime Rate minus 1.00%. Minimum loan amount is $5,000.
HOME EQUITY LINE OF CREDIT
(For Non-Owner Occupied Properties)
| $5,000-$50,000 | Prime Rate Plus 1.00% APR** |
**This loan has a variable rate. Maximum lifetime APR is 18.00% APR. Current APR is accurate as of 04/01/2008 and is subject to change without notice. The APR is based on an index. The index is the WSJ Prime Rate plus 1.00% APR. Minimum loan amount is $5,000.
VISA Classic
| Annual Percentage Rate (APR) for Purchases | 12.90% |
| Other APRs | Cash Advance………12.9% Balance Transfer………12.9% |
| Grace Period for Purchases | 25 Days |
| Method of Computing the Balance for Purchases | Average Daily Balance (including New Purchases) |
| Annual Fee | None |
| Minimum Finance Charge | $.50 |
| Transaction Fee for Purchases | None |
| Balance Transfer Fee | None |
| Late Payment Fee* * if ten (10) or more days late |
$10.00 |
| Over-the-Credit Limit Fee | $10.00 |
VISA Platinum
| Annual Percentage Rate (APR) for Purchases | 7.70% |
| Other APRs | Cash Advance………7.7% Balance Transfer………7.7% |
| Grace Period for Purchases | 25 Days |
| Method of Computing the Balance for Purchases | Average Daily Balance (including New Purchases) |
| Annual Fee | None |
| Minimum Finance Charge | $.50 |
| Transaction Fee for Purchases | None |
| Balance Transfer Fee | None |
| Late Payment Fee* * if ten (10) or more days late |
$10.00 |
| Over-the-Credit Limit Fee | $10.00 |
VISA Rewards
| Annual Percentage Rate (APR) for Purchases | 11.90% |
| Other APRs | Cash Advance………11.9% Balance Transfer………11.9% |
| Grace Period for Purchases | 25 Days |
| Method of Computing the Balance for Purchases | Average Daily Balance (including New Purchases) |
| Annual Fee | $20 |
| Minimum Finance Charge | $.50 |
| Transaction Fee for Purchases | None |
| Balance Transfer Fee | None |
| Late Payment Fee* * if ten (10) or more days late |
$10.00 |
| Over-the-Credit Limit Fee | $10.00 |
SIGNATURE LOAN
- Loan amount may not exceed twice the total monthly gross salary
| $300 minimum $10,000 maximum | up to 48-month term. | Rate as low as 11.24% APR* |
BILL CONSOLIDATION
- Loan amount may not exceed twice the total monthly gross salary
| $300 minimum $10,000 maximum | up to 36-month term. | Rate as low as 11.74% APR* |
SHARE SECURED
- Borrow up to amount in regular Share Account
- less $50 required balance
| $500 minimum | up to 60-month term. | 3.00% APR* over Regular Share Rate |
CD SECURED
- Borrow up to amount in Share Certificate Account
| $500 minimum | Match maturity for term of loan | 2.50% APR* over current Share Certificate Dividend |
COMPUTER LOAN
| $1,.000 minimum | up to 24-month term | Rate as low as 9.15% APR* |
FIRST MORTGAGE LOAN
CALL (408) 294-8800 or click here for more details
*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include discounts for repayment options and qualified down payment when applicable. For more information call (408) 294-8800 or email loans@sjcu.org.
