AUTO LOANS as low as 1.99% APR*
If you have your vehicle financed elsewhere, or if you find a
better rate at a dealer or other financial institution, we will BEAT the rate by
up to 1% less, as low as 1.99% APR*
Offer not valid on existing auto loans with SVDCU. Please see or speak
with a loan specialist for full details.
*APR = Annual Percentage Rate. Rates are based on credit history and
subject to change without notice. Offer not valid on existing loans with
SVDCU.
*Other conditions may apply. Please see a loan officer at the
Credit Union for full details.
 APPLY
NOW (Members & Potential Members)
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Sterling Van Dyke Credit Union |
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Loan Interest Rates |
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As of 5/01/13 |
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Consumer Secured |
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Annual Percentage Rate (APR) |
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Product |
Term |
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rates as low as, listed below* |
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Autos 2010 or newer |
up to 84 months |
2.49% |
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2007-2009 |
up to 72 months |
2.49% |
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2004-2006 |
up to 48 months |
3.49% |
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2000-2003 |
up to 36 months72 Months |
4.99% |
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Boats up to $24,999 |
up to 60 Months |
4.99% |
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up to 72 months |
5.49% |
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up to 84 months |
6.24% |
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>$25,000 |
up to 120 months |
6.24% |
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>$50,000 |
up to 180 months |
6.49% |
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ATV's, Snownobiles, Campers (no motor), Personal
Watercraftsl |
up to 60 Months |
4.99% |
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up to 72 months |
5.99% |
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Travel Trailers, Motor Homes, Fifth Wheel |
up to 120 months |
4.99% |
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Titled Item as Collateral Only |
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10.50% |
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Share Secured |
Up to 30 years |
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Under 1,000 |
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6.25% |
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1,000 - 9,999 |
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4.25% |
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Over 10,000 |
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3.75% |
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CD Secured |
Up to 30 years |
CD + 3% |
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Secured VISA |
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9.90% |
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Consumer Unsecured |
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Product |
Term |
APR |
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Signature (LOC) |
Revolving |
16.50% |
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Signature Secured |
Up to 48 Months |
10.50% |
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VISA |
Revolving |
12.90% |
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Consumer Real Estate |
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As of 5/1/13 |
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Product |
Term |
APR |
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10 Year Fixed |
10 years (120 months) |
2.875% |
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15 Year Fixed |
15 Years (180 months) |
3.00% |
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30 Year Fixed |
30 Years (360 months) |
3.75% |
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HELOC (up to 80% LTV) |
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5,000 - 24,999 |
10 years (120 months) |
4.00% |
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Over $25,000 |
10 years (120 months) |
4.00% |
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HELOC (up to 85% LTV) |
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5,000 - 24,999 |
10 years (120 months) |
4.75% |
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Over $25,000 |
10 years (120 months) |
4.25% |
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Members can receive up to a .50% interest reduction* off loans
based on services used. 1/4% reduction* for Direct Deposit or a Checking
Account with HOP (Handi On-line Pay) and E-Statements with SVDCU. 1/4%
reduction* for credit life or disability insurance for new loan.
Auto loans - 1/4% reduction for veterans on the current rates
with a credit score of 680 or higher. Not on Promotional Rates
*reduction does not apply to Mortgage, Line of Credit and
VISA loans or 2.49% auto loans. If your automobile is financed elsewhere or
member finds a better rate at the dealer or another financial institution, we
will beat the rate up to 1% less...as low as 1.99% APR*
Estimate Your Loan
Payment
 Disclaimer:
Inconsistency may occur with the use of the calculator and the outcomes are not
credit guarantees.
- First mortgage -
For refinancing or purchasing, the total loan can be no more than the lesser of
80% of the unencumbered appraised value or purchase price.
- Home equity can finance up to 85% of appraised value minus first mortgage.
- Pre-approvals available.
- Call the credit union for current rates or to apply (586) 264-1212 ext
3
Lending Criteria Disclosure
APPLY
NOW (Members & Potential
Members)
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