loan rates
Rates effective as of February 1, 2012
New Vehicles
NEW Cars, Trucks, Motorcycles, Trailers and Recreational Vehicles
Financing up to 100% | Terms up to 84 months
NEW Boats and Motorhomes
Financing up to 100% | Terms up to 144 months
| 24 months |
3.25 - 16.75% |
| 36 months |
3.50 - 17.00% |
| 48 months |
3.75 - 17.25% |
| 60 months |
4.00 - 17.50% |
| 72 months |
5.00 - 17.50% |
| 84 months |
6.00 - 17.50% |
| 120 months |
7.25 - 17.50% |
| 144 months |
8.00 - 17.50% |
*APR is Annual Percentage Rate. Term and APR are based on an evaluation of your creditworthiness and age of collateral. The rates listed above include a 0.25% discount for having Automatic Transfer for the loan payment.
Used Vehicles
USED Cars, Trucks , Motorcycles, Trailers and Recreational Vehicles
Financing up to 100% | Terms up to 84 months
USED Boats and Motorhomes
Financing up to 100% | Terms up to 144 months
| 24 months |
3.75 - 17.25% |
| 36 months |
4.00 - 17.50% |
| 48 months |
4.25 - 17.75% |
| 60 months |
4.50 - 18.00% |
| 72 months |
5.50 - 18.00% |
| 84 months |
6.50 - 18.00% |
| 120 months |
7.75 - 18.00% |
| 144 months |
8.50 - 18.00% |
*APR is Annual Percentage Rate. Term and APR are based on an evaluation of your creditworthiness and age of collateral. The rates listed above include a 0.25% discount for having Automatic Transfer for the loan payment.
Credit Cards
Visa Platinum Credit Card
No Annual Fee | Late Fee: $25 | Overlimit fee: $25
*APR is Annual Percentage Rate.
Personal
Personal Loans
| Personal Loan |
up to 60 months |
8.90 - 18.00%
|
| 90% Share Secured Loan |
up to 47 months |
2.50% over
Membership Share Rate |
| 90% Certificate Secured Loan |
up to 47 months |
2.50% over
Share Certificate Rate |
*APR is Annual Percentage Rate.
Home
Home Equity Loans
Home Equity Line of Credit (HELOC)
10 year draw |
80% LTV |
4.50 - 12.25% |
Fixed Rate Home Equity Loan
Fixed for a 5 year period with 15 year amortization |
80% LTV |
5.00 - 12.75% |
First Trust Deeds
(Fixed & Variable) |
Available through our mortgage division
Call 818) 238.2900 x2 |
UMe is an equal housing lender.
*APR is Annual Percentage Rate. The Home Equity Line of Credit APR is a variable rate which is based on the Prime Rate. Loan approval and rate are based on a verification of income, an evaluation of your creditworthiness, and property evaluations which include Loan-to-Value (LTV). Your rate will never be less than 4.00% or exceed 18.00%. If you cancel your loan, third party fees may apply. Costs include a non-refundable appraisal fee, plus title insurance and recording fees. Property insurance is required. Loan amounts up to $250,000. For additional details, please call the Credit Union at 818) 238.2900. All loans and rates are subject to change.
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UMe Federal Credit Union offers you 
Your savings federally insured to at least $250,000 and backed 