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Loan Rates Disclosures
Credit Card:
*Annual Percentage Rate is based on credit worthiness. Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Annual Fees: None. Transaction Fees: Balance Transfer- None. Cash Advance- $5/each advance. Foreign Transaction- 1.00% of each foreign currency transaction in US dollars and 1.00% of each US dollar transaction that occurs in a foreign country. Late Payment: up to $10.00. Returned Payment: up to $20.00.
How we calculate your balance: We use a method called "average daily balance (including new purchases)
Full Mastercard Rewards Disclosure
Easy Access Line of Credit:
*Annual Percentage Rate is based on your worthiness. There are no fees acquired until said loan has been in default for over 10 days. There are no pre-payment penalties. Minimum loan limit of $1,000. Maximum loan limit of $25,000. Interest is accrued by $3 per hundred on outstanding balance, with a minimum of $20; As of the 15th day of that current month. Overdrafts are to be pulled in increments of $50.Auto Loan:
*Annual Percentage Rate. All loan rates and approval are subject to term, collateral and credit history. See credit union for details. Rates subject to change. Payment example: 60 monthly payments of $294.15 for $15,000 borrowed at 6.59% APR.Toy Loan:
*Annual Percentage Rate. All loan rates and approval are subject to term, collateral and credit history. See credit union for details. Rates subject to change. Payment example: 72 monthly payments of $257.17 for $15,000 borrowed at 7.19% APR.Home Equity:
*Annual Percentage Rate. All loan financing is based upon credit qualifications. Rates are applicable to new money only. Not all borrowers will qualify for the same rate. Rates listed “as low as” are based on the borrower’s credit worthiness, which includes factors such as debt ratio, and credit history. Offer available on new loans only. Offer is a fixed rate with fixed terms and will loan up to 100% loan to value on the home. Estimated costs range from $505-$1540. $200.00 origination fee. Payment example: Pay just $20.04per month at 6.49% APR for every $1,000 borrowed with a 60 month term. See credit union for full details and disclosures.
Home Equity Line of Credit:
*All interest rates are variable and are tied to the Wall Street Journal Prime Rate. They are subject to change quarterly on the 1st day of January, April, July and October. We use the WSJ Prime Rate 30 days prior to the effective date of the change. The interest rate cannot change more than 2% each quarter. Minimum interest rate (Floor rate) is 4% and our maximum rate is 18%. Loans up to 80% loan to value the rate is equal to prime. Loans up to 90% loan to value we use a margin of prime + 1%. Unlike the other mortgage loans we offer these are not subject to your credit score. Payment example: If you only made the minimum monthly payment and took no other credit advances, it would take 14 years and 9 months to pay off a credit advance of $10,000 at an APR of 5.0%. During that period you would make 176 payments of $80.00 and one final payment of $77.18.Share Secured Loan:
A loan secured by a member’s funds at Serve Credit Union to be used as collateral for the loan and are frozen until repayment is completed. Payment example: 12 monthly payments of $85.15 for $1,000 borrowed at 4.00%.
Certificate Secured Loan:
A loan secured by a member’s funds at Serve Credit Union to be used as collateral for the loan and are frozen until repayment is completed. Payment example: 12 monthly payments of $85.15 for $1,000 borrowed at 4.00%.
Imagine Loan:
Also known as “personal”, “signature” or “unsecured” loan. Maximum loan amount of $25,000. Loan rates and approval are subject to term and credit history. Payment example: 36 monthly payments of $484.07 for $15,000 borrowed at 9.99% APR.