AUTO LOANS
|
Model
2006 to 2010
Term
48
months
60
months
72
months
84
months |
Amount
$8,500
$10,000
$15,000
$20,000 |
APR*
as
low as 3.74%
as
low as 3.99%
as
low as 4.24%
as
low as 4.74% |
Payment
$190.93
$184.12
$236.32
$280.24 |
|
Model
2000 to 2005
Term
48
months
60
months
72
months |
Amount
$8,500
$10,000
$15,000 |
APR
as
low as 3.74%
as
low as 3.99%
as
low as 4.24% |
Payment
$190.93
$184.12
$236.32 |
|
Model
1999 & Older
Term
48
months
60
months
|
Amount
$8,500
$10,000
|
APR
as
low as 4.74%
as
low as 4.99%
|
Payment
$194.75
$188.67
|
HOME
EQUITY LOANS
70%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 4.24%
$157.46
120
months
$10,000 as
low as 4.49%
$103.59
180
months
$15,000 as low as
5.24% $120.50
240
months
$20,000
as low as 5.74%
$140.30
80%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 4.74%
$159.39
120
months
$10,000 as
low as 4.99%
$106.02
180
months
$15,000 as low as
5.74% $124.48
240
months
$20,000
as low as 6.29%
$146.65
90%
maximum Loan to Value
Term
Amount
APR
Payment
60
months
$8,500
as
low as 5.49%
$162.32
120
months
$10,000
as
low as 5.74%
$109.72
180
months
$15,000 as low as
6.49% $130.58
240
months
$20,000
as low as 6.99%
$154.94
HOME
EQUITY BALLOON (call term 5 years)
70%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 3.95%
$101.01
240
months
$25,000
as low as 3.95%
$150.84
360
months
$35,000
as low as 3.95%
$166.09
80%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000
as
low as 4.45%
$103.40
240
months
$25,000
as low as 4.45%
$157.49
360
months
$35,000
as low as 4.45%
$176.30
90%
maximum Loan to Value
Term
Amount
APR
Payment
120
months
$10,000 as
low as 5.20%
$189.63
240
months
$25,000 as low as
5.20% $267.61
360
months
$35,000
as low as 5.20%
$280.44
HOME
EQUITY LINE OF CREDIT
|
LTV
Up
to 70%
70%
to 80%
81%
to 90%
|
APR
Prime
- 0.50%*
Prime
Prime
+ 0.75%
*
floor rate is 4.00% |
APR
4.00%
4.00%
4.00%
|
STUDENT
LOANS
|
Federal
Stafford
Federal
Plus
Parent
Student Education Loan |
7/1/07
to 6/30/08
7/1/07
to 6/30/08
7/1/07
to 6/30/08 |
APR
6.80%
8.50%
6.00% |
RECREATIONAL
EQUIPMENT LOANS
|
2005
to 2010
Term
36
months
48
months
60
months |
Amount
$5,000
$7,500
$10,000 |
APR
as
low as 5.39%
as
low as 5.39%
as
low as 5.64% |
Payment
$150.73
$174.05
$191.66 |
|
2004
& older
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 6.89%
as
low as 6.89%
as
low as 7.14% |
Payment
$154.13
$179.21
$198.67 |
BOAT
& RV LOANS
|
2005
to 2010
Term
48
months
60
months
120
months
180
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 6.14%
as
low as 6.39%
as
low as 7.14%
as
low as 7.14% |
Payment
$200.17
$167.59
$175.25 $181.33 |
|
2004 &
Older
Term
48
months
60
months
120
months
180
months |
Amount
$8,500
$10,000
$15,000
$25,000 |
APR
as
low as 6.14%
as
low as 6.64%
as
low as 7.14%
as
low as 7.14% |
Payment
$200.17
$168.77
$175.25 $181.33 |
OTHER
SECURED LOANS
|
2005
to 2010
Term
36
months
48
months
60
months
|
Amount
$5,000
$8,500
$10,000
|
APR
as
low as 6.14%
as
low as 6.14%
as
low as 6.39%
|
Payment
$152.43
$176.62
$195.15
|
|
2004 &
Older
Term
36
months
48
months
60
months |
Amount
$5,000
$8,500
$10,000 |
APR
as
low as 7.14%
as
low as 7.14%
as
low as 7.39% |
Payment
$154.71
$180.08
$199.86 |
SHARE
SECURED LOANS
|
Primary Share, Money Market, or CD secured |
2.00% above deposit rate |
APR
3.50%
minimum |
UNSECURED
LOANS
|
Term
36
months |
Amount
$3,000 |
APR
as
low as 9.95% |
Payment
$96.73 |
VISA
| No
Annual Fee |
No
fee balance transfer |
APR
10.00% |
LINE
OF CREDIT
|
No Annual Fee |
No Advance Fee |
APR
12.90% |
For
more information, please call (507) 387 - 3055
|
|
Rates
and terms are subject to change at any time based upon
Asset-Liability Committee (ALCO) review and changing market conditions.
These rates and terms do not constitute a contract or
obligation. Rates are calculated based on an evaluation of credit history,
loans terms including number of scheduled amounts to repay,
loan-to-value, and account relationships with Minnesota Valley FCU
based on the EZ Six Rewards.
Additional restrictions may apply. *APR = Annual Percentage Rate.
Rates quoted are the lowest possible including discounts, so
your rate may differ.
Total of all discounts limited to 1.00%.
Contact the loan department for
details at 507-387-3055 or 800-247-0522 or via email loan@mnvalleyfcu.coop.
To see our current Savings Rates, click here.
~Private
Party Purchase Interest Rate Adjustment: +1.00% for private party sale
transactions from one individual to another.
Discounts
Available
Refinance Special: Members refinancing
another lender secured, non-mortgage loan will receive a 0.25% discount to the
comparable product rate listed above and up to a $100 gas card.
EZ Six Reward: Discount of 0.25% for having
at least six of the following twelve products and/or services: active checking
account; online bill payer; Visa credit or debit card; online banking; ART;
MyCardInfo; direct deposit; savings or loan of $2,000 or more; auto bill pay
(ACH); L-4 (checking line of credit); and at least one of the following -Credit
Life, Credit Disability MBI or GAP. Discount does not apply to the following
loans: mortgage, home equity, checking account line of credit, or Visa.
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