* APR = Annual Percentage Rate. LOC = Line Of Credit. Actual loan rate will be based upon the borrower’(s) creditworthiness. Stock loan index as of effective date: 3.25%. The A. P. R. on any variable rate Stock Secured Loan will not increase to more than 15.00%, or decrease to less than 7.50%, as long as the Stock Secured Loan account remains open. Rates subject to change without notice. All IBM Southeast EFCU Loans, including VISA Credit Cards, are subject to income and identification verification and credit approval. Contact your Credit Union for the most current rates, and for full details on the rates, terms, fees and conditions that may apply.  The Loan Rate Sheet is incorporated into and part of the Disclosure Statement and Agreement booklet, Your Loan Disclosures - VISA Credit Card Account Agreement For Details, and the fee schedule Loan Fees and Charges.  The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement.  Terms reflected on the Loan Rate sheet are maximum terms allowed.  The Credit Union may require shorter repayment terms for certain loan amounts.

** $30,000 minimum loan required for 84-month term. Credit score of 680 or higher. New hybrid purchase is eligible for 84 months financing regardless of loan amount.

*** Used vehicles 2005 & older and refinancing of Credit Union loans will be reviewed by a Loan Officer.

 

****The present 12 month Certificate dividend rate is 1.19% which results in an APR of 3.19% as of February 17, 2010. Contact the Credit Union for the present Certificate rates to determine the current APR.