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RATES:
Unified Correctional FCU Loan Rates- Effective 7/12/2006
Secured Loans (Vehicles, Collateral, and Shared Secured)
APR
5.49%-18.00%
Based on "FICO" score. Rates subject to change.
1.Vehicle cash price must be below Retail Kelly Blue Book values. Appraisal is required.
2.Vehicles older than (6) years must be financed below average Kelley Blue Book values. Appraisal required.
Signature Loans (Personal)
APR
6.99%-18.00%
Based on "FICO" score. Rates subject to change.
1. In the event that two signers are joint borrowers, the credit score will be based on the score of the primary member will be the first member on the
share account.
2. In the event there is no credit report to score; the credit union will assign a score of "C" paper for all applicants. ("C" paper rates subject to change)
3. If two credit reports are obtained, resulting in two different scores, the credit union will use higher of the two scores.
4. Signature loan Maximum $15,000 for P rating only, $10,000 for A rating, $7,500 for B rating, $5,000 for C rating, and (D & E) with 3- year
borrowing history, $2,500 for D Rating, and $1,500 for E rating. (Your credit score will determine your rating)
5. All "E" paper borrowers will require a cosigner for secured loans, unless member has prior borrowing history with the credit union (3-years
minimum)
Payday Advance/Consolidation Loans:
Rate=18.00%, plus $25.00 application fee.
Share Secured Loans:
Rate= 3% Current Share Dividend Rate
Beat Rate Guarantee:
The Unified Correctional FCU will beat a competitor's rate by 1.00% Regardless or race, color, creed, origin, or sex. Depending
on what bracket you fall into as your credit rating reads, Unified Correctional FCU will not discount the rate more than:
-0.00% thru -5.50%*
*a credit report will determine what discount you will get.
Unified Correctional FCU Loan Rates- Effective 7/12/2006
Secured Loans (Vehicles, Collateral, and Shared Secured)
APR
5.49%-18.00%
Based on "FICO" score. Rates subject to change.
1.Vehicle cash price must be below Retail Kelly Blue Book values. Appraisal is required.
2.Vehicles older than (6) years must be financed below average Kelley Blue Book values. Appraisal required.
Signature Loans (Personal)
APR
6.99%-18.00%
Based on "FICO" score. Rates subject to change.
1. In the event that two signers are joint borrowers, the credit score will be based on the score of the primary member will be the first member on the
share account.
2. In the event there is no credit report to score; the credit union will assign a score of "C" paper for all applicants. ("C" paper rates subject to change)
3. If two credit reports are obtained, resulting in two different scores, the credit union will use higher of the two scores.
4. Signature loan Maximum $15,000 for P rating only, $10,000 for A rating, $7,500 for B rating, $5,000 for C rating, and (D & E) with 3- year
borrowing history, $2,500 for D Rating, and $1,500 for E rating. (Your credit score will determine your rating)
5. All "E" paper borrowers will require a cosigner for secured loans, unless member has prior borrowing history with the credit union (3-years
minimum)
Payday Advance/Consolidation Loans:
Rate=18.00%, plus $25.00 application fee.
Share Secured Loans:
Rate= 3% Current Share Dividend Rate
Beat Rate Guarantee:
The Unified Correctional FCU will beat a competitor's rate by 1.00% Regardless or race, color, creed, origin, or sex. Depending
on what bracket you fall into as your credit rating reads, Unified Correctional FCU will not discount the rate more than:
-0.00% thru -5.50%*
*a credit report will determine what discount you will get.
Copyright © 2006
Unified Correctional FCU
Unified Correctional FCU
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