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ECU

Enterprise Credit Union

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LOAN RATES

Effective as of: May 13th 2020


New Auto and Motorcycles 2019-20203
TermAPR1Payment per $10002
24 Months2.25%$42.60
36 months2.50%$28.86
48 months2.50%$21.90
60 months2.89%$17.92
72 months3.25%$15.31
84 months3.75%$13.55
 
Used Autos and Motorcycles (2019 to 2013)3
TermAPR1Payment per $10002
24 months3.00%$42.98
36 months3.25%$29.19
48 months3.50%$22.36
60 months3.50%$18.19
72 months3.75%$15.53
 
Used Auto and Motorcycles 2012-20083
TermAPR1Payment by $10002
24 months4.50%$43.65
36 month4.75%$29.86
48 months5.00%$23.03
60 months5.25%$18.99
 
Used Auto and Motorcycle 2007-20023
TermAPR1Payment per $10002
24 months5.25%$43.98
36 months5.50%$30.20
48 months5.75%$23.37
 
Used Auto and Motorcycle 2001 and Older3
Term (months)APR1Payment per $1,0002
247.50%$45.00
367.50%$31.11
488.25%$24.53
 
Recreational Vehicles3
Term (months)APR1Payment per $10002
363.50%$29.30
484.50%$22.80
605.00%$18.87
725.50%$16.34
 
Personal Loan (Unsecured)*
Term (mnths)APR1Payment per $10002
249.99%$46.14
3610.99%$32.73
4812.99%$26.82
 
VISA Credit CardsAPR*
Platinum with Rewards9.90%
 
Kwik Cash Line of Credit
APR*Payment per $10002
12.99%varies on balance
 
Real Estate Loans
Second Mortgage FIXED Rates 80% or below CLTV4,5________________________________________________
Term (months)APR1Payment per $10002
484.49%$22.80
844.49%$13.90
1204.89%$10.55
 
Second Mortgage Fixed Rates 81-90%4,5CLTV
Term (months)APR1Payment per $10002
485.99%$23.48
846.49%$14.84
1206.49%$11.35
 
Second Mortgage Line of Credit Rates4,5
80% or below CLTV Rate = Current Prime Rate floor of 4%
81%-90% CLTV, Rate = Current Prime Rate plus 1%
Current Prime Rate: 3.25%
7 year draw period. Payments are based on 1.5% (min pymnt $50.) of the outstanding principal balance. Floor Rate equals 4.00%.
Share (Savings) Secured
Term (months)APR1Payment per $10002
48 maxSavings Rate plus 4%varies on investment
1 APR= Annual Percentage Rate. All advertised rates are based on a credit score 680 or above, with automatic loan payments, E-Statements and one additional account relationship with the credit union. Actual Rate will vary based on creditworthiness and add .5% to the advertised rate if the borrower does not have additional product, E-Statments and automatic payments
2 To calculate estimated payment per $1000. Divide the loan amount by 1,000 (for a $10,000 loan / 1000 = 10). Multiply that amount by the payment per $1000 amount disclosed. Payment is based on rate shown. All rates and terms are subject to change without notice. Actual payments may be higher due to taxes or insurance and if included the payments will be higher.
3 All vehicle and recreational loans will require insurance coverage. If the insurance is not maintained the credit union may purchase coverage to protect the credit union and the borrower will reimburse the credit union.
4 Available on Owner-Occupied properties with a maximum of 4 units. Property Insurance is required in an amount to cover replacement cost of the dwelling.
5 Closing Costs range from $450-$875