UniStar Federal Credit Union .:. Rates Center: Loan Rates


Home	Apply For a Loan	Join Now	Internet Banking

What's New

Rates Center

Personal Finance Center     Savings & Deposits
    Checking Services
    Lending & Credit

Account Access

Community

Web Resources

About Us

Effective, March 1, 2008

Mortgages
Type	"Platinum" Credit Rate	Max. Term
1st Mortgage (owner occupied)	See Credit Union; fixed & variable rates available	15, 20 & 30 year terms available
2nd Mortgage	See Credit Union	15 year term
Home Equity Line of Credit Max. amount: $150,000.00	5.25% variable rate	20 year term
Mini Home Equity* Max. Amount: $100,000.00	6.49% fixed rate	20 year term.

Consumer Loans
Type	"Platinum" Credit Rate	Max. Term
New Vehicle * 2007 & 2008 100% of invoice price	5.49% fixed rate 5.49% fixed rate 5.99% fixed rate 5.99% fixed rate 6.49% fixed rate	Up to 2 years Up to 3 years Up to 4 years Up to 5 years Up to 6 years
Used Vehicle* * 2004 - 2008 100% of price NADA Book Value	6.65% fixed rate 6.65% fixed rate 6.95% fixed rate 6.95% fixed rate 7.59% fixed rate	Up to 2 years Up to 3 years Up to 4 years Up to 5 years Up to 6 years
Refinanced Vehicle* * 2004 - 2008 100% of price NADA Book Value	7.20% fixed rate 7.30% fixed rate 7.40% fixed rate 7.50% fixed rate 7.70% fixed rate	Up to 2 years Up to 3 years Up to 4 years Up to 5 years Up to 6 years
Used Vehicle* 2003 100% of price NADA Book Value	8.00% fixed rate 8.50% fixed rate 8.50% fixed rate	Up to 2 years Up to 3 years Up to 4 years
Personal Loan* Max. amount: $25,000.00+	10.95% fixed rate	7 years
Boat & Recreational Vehicle* Loan Max. amount: 90% of value	7.25% fixed rate 7.75% fixed rate	Up to 6 years Up to 12 year
Stock Loan Max. amount: 70% of value	Fixed rate - % above savings 5.00	7 years
Overdraft Line of Credit* Max. amount: $15,000.00+	12.95% fixed rate	Revolving
Share Secured	Fixed rate - % above savings 3.00	Up to 7 years
CD Secured	Fixed rate - % above CD - 3.00	Length of CD

Credit Cards
Type	"Platinum" Credit Rate	Max. Term
MasterCard Max. amount: $10,000.00 +	13.90% fixed rate	Revolving
VISA Gold Max. amount: $15,000.00 +	12.90% fixed rate	Revolving

Credit union variable rates are subject to change quarterly.

“OUR________LOAN RATES ARE AS LOW AS _______% YOUR RATE IS DETERMINED BY HOW LONG YOU FINANCE YOUR LOAN PLUS YOUR CREDIT HISTORY. YOUR RATE WILL BE DETERMINED AFTER YOUR CREDIT HISTORY HAS BEEN REVIEWED.”

*THESE LOANS ARE PART OF OUR MANAGED CREDIT PROGRAM

+THE MAXIMUM COMBINED UNSECURED AMOUNT PER MEMBER - $25,000.00

VACATION LOAN (JULY 1 – AUGUST 31)

HOLIDAY LOAN (OCTOBER 1 – DECEMBER 31)