Loan Rate Schedule Mar 11 by ps94506

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									                                                             Loan Rate Schedule
                                                                      Effective March 1, 2011
                                                                    ANNUAL PERCENTAGE
      ACCOUNT TYPE                           TERMS                         RATE
                                                                           (APR)
Credit Cards
Visa Classic                       Revolving                        9.50% - 17.25% Variable***
Visa Gold                                                           8.25% - 9.25% Variable***
Auto Loans
                                   Up to 84 Months                 3.49% - 18.25% *
(Up to 10 years old)
Auto Rate for the Financing of
a Credit Union West                Up to 60 Months                 2.9%
Repossession
Secured/Collateralized Loan        Up to 180 Months                3.49% - 18.25%*
(RVs, Boats, Motorcycles, etc.)
Home Equity Line of Credit         Up to 10Year Draw Period        4.75% - 10.25% Variable**
Home Equity Loan                   Up to 72 Months                 4.25% - 11.00% Fixed
Home Equity Loan                   73 to 120 Months                6.75% - 12.25% Fixed
Home Equity Loan                   121 to 180 Months               7.75% - 13.25% Fixed
Signature Loans                    Up to 84 Months                 8.25% - 18.00%
                                                                   Based on the deposit rate plus a
Share/MMA Secured Loans            Up to 120 Months
                                                                   margin of 3%
                                                                   Based on the Certificate of
Certificate Secured Loans          Up to 60 Months                 Deposit rate plus a margin of
                                                                   3%

* Loan Rates (Auto & Secured) are based on amount financed, credit experience and term.
** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin
with a floor of 4.75% and a ceiling of 18%. Rates are subject to credit performance and loan to value.
Initial 5-year draw period with one (5) year draw extension if approved by Credit Union West. At the end
of the draw period, the loan is amortized over a maximum period of 15 years.
*** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus
margin with a floor of 7.9% and no ceiling. Rates are subject to credit performance.

                             First Mortgage Rates Available Online!




                            P.O. Box 7600, Glendale, AZ 85312-7600
                       (602) 631-3200 or (928) 778-7156 or (800) 621-0287
                                        www.cuwest.org

								
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