Loan Rates To open a deposit account call (888) 883-7228 or visit our Web site at www.alturacu.com CONSUMER LOANS* Effective October 28, 2010 Rate APR New Auto Loans 3.99% 4.08% 2010-2011 Model Years (up to 100% financing, including tax & license) Used Auto Loans 4.24% 4.37% 2009 & Older Model Years (up to 100% financing, including tax & license) Computer Loans 9.99% 11.27% Signature Loans 12.99% 13.24% Savings Secured Loans** Variable / APR Share Secured 3.00% above dividend rate Certificate Secured 3.00% above dividend rate CREDIT CARD LOANS Effective October 28, 2010 Variable / APR Visa Credit Cards As low as 8.99% HOME EQUITY LOANS^ Effective October 28, 2010 Rate APR Home Equity Closed-End Loans Owner Occupied 6.06% 6.23% 80% Loan to Value ($100,000.00 maximum loan amount) APR = Annual Percentage Rate ^^ Prime Rate: 3.25% (Effective 12/16/2008) Variable Rate Index: 0.22% - Based on 52 Week T-Bill at Constant Maturity Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount. Best rates may be higher depending on individual credit rating & account history. * Rates do not include a $55.00 loan processing fee. Rates include a .50% discount for direct deposit with automatic payment from checking. Rates reflect up to a 72 month loan term. An 84 month term is available with a 1.00% loan rate increase and $25,000.00 as the minimum amount financed. ** Monthly payment example: A Regular Share Savings rate of 0.02% plus 3.00%, equals a loan rate of 3.02%. A secured loan for $10,000 with a rate of 3.02% (3.24% APR) would have 60 monthly payments of $179.78. ^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A $12.00 membership fee applies for applicants who are not currently a member of Altura Credit Union Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history. Your minimum monthly payment will depend on the outstanding balance-owed on your loan amortized over the remaining term of the loan. Monthly payment example: A 20-year home equity loan for $50,000, with an annual percentage rate of 8.100% would have 240 monthly payments of $421.34; however, your rate is subject to change depending on the current variable annual percentage rate. A $350.00 deposit may be required at time of application. Always consult your tax advisor. You must maintain hazard insurance on the property that will secure this loan. Flood insurance may also be required. Other restrictions may apply.
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