Loan Rates
Current as of February 2012
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Applying for a loan has just gotten even easier!
 Applications by phone are simple. Call 513-621-4600 option 5 and PRESTO - it's as easy as that!!! We will ask a few questions and verify some information, so remember we're just a phone call away!
If it's too late to call or you prefer to fill out the application yourself click the Apply Now button and you'll be redirected to our online loan application that will be sent directly to a loan officer!
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Click the pic for more information about YOUR good credit!
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All loans are subject to credit approval and rates are subject to change at anytime without notice.
We are a "Risk Based Lender". Your loan rate will be assigned to you based on your credit rating (beacon score).
(A payment example: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)
SIGNATURE (UNSECURED):
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| Rate |
7.00 %
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7.50 %
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8.00 %
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10.00%
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12.50 %
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17.00 %
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Qualified members may borrow up to $7,000.00
Maximum Term = 48 Months Minimum Loan Amount = $1,000.00
NEW VEHICLES (CAR, TRUCK or VAN): 2009 - 2012 6,000 Miles or Less
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| 36 Months |
3.50 %
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4.00 %
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4.50 %
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6.50 %
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9.00 %
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13.50 %
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| 48 Months |
3.75 %
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4.25 %
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4.75 %
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6.75 %
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9.25 %
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13.75 %
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60 Months
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4.00 %
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4.50 %
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5.00 %
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7.00 %
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9.50 %
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14.00 %
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66 Months
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4.25 %
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4.75 %
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5.25 %
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7.25 %
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9.75 %
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N/A
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72 Months
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4.50 %
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5.00 %
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5.50 %
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7.50 %
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N/A
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N/A
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USED VEHICLES (CAR, TRUCK or VAN): 2005 - 2012 6,001 Miles or More
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| 36 Months |
4.00 %
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4.50 %
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5.00 %
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7.00 %
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9.50 %
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14.00 %
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| 48 Months |
4.25 %
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4.75 %
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5.25 %
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7.25 %
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9.75 %
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14.25 %
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60 Months
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4.50 %
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5.00 %
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5.50 %
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7.50 %
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10.00 %
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N/A
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USED VEHICLES (CAR, TRUCK or VAN): Older than 2005
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| 36 Months |
5.00 %
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5.50%
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6.00 %
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8.00 %
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10.50 %
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15.00 %
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| 48 Months |
5.25 %
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5.75 %
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6.25 %
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8.25 %
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10.75 %
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15.25 %
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RECREATIONAL VEHICLES (BOAT, CYCLE, CAMPER, ATV**, ETC...):
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| 36 Months |
5.50 %
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6.00 %
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6.50 %
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8.50 %
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11.00 %
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15.50 %
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| 48 Months |
5.75 %
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6.25 %
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6.75 %
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8.75 %
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11.25 %
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N/A
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| 60 Months |
6.00 %
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6.50 %
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7.00 %
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9.00 %
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N/A
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N/A
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**Maximum term for ATV or Jet Ski loans is 36 months
USED RECREATIONAL VEHICLES: Add 0.50 % to the rates listed above
MOBILE HOMES:
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| Rate |
7.25 %
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7.75 %
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8.25 %
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10.25 %
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12.75 %
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17.25 %
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Maximum Term = 60 Months Maximum Amount = $60,000
SHARE SECURED: Rate = 3.00 % + highest dividend rate
SECOND MORTGAGES:
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Credit Rating
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A+ APR*
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A APR*
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B APR*
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C APR*
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D APR*
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E APR*
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| Rate |
5.50 %
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6.00 %
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6.50 %
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8.50 %
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11.00 %
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15.50 %
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Maximum Term = 120 Months Maximum Amount $60,000
Special criteria may be applicable - see guidelines for details
*APR = Annual Percentage Rate
We must advise that when selecting a link below YOU WILL BE LEAVING THE CREDIT UNION'S WEBSITE and linking to a website NOT operated by the Credit Union. The Credit Union is NOT responsible for the content of the alternate website, liable for any failure of products or services advertised on those sites, does NOT endorse or guarantee the products, information or recommendations provided by the linked sites, and does NOT represent the third party or the member if the two should enter into a transaction. Please note that the privacy and security policies may differ from those practiced by the Credit Union; therefore, the third party website may provide less security than the Credit Union's website.
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Local Union 392 FCU NOW OFFERS:
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HOME LENDING PROGRAMS
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In connection with OUR lending partner at CU MORTGAGE NETWORK
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~ 1st Time Home Buyers
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~ VA Lending with NO MONEY DOWN
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~OH Bond Money with as little as 1% Down Payment on Purchases
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~FHA Lending with as little as 3% Down Payment on Purchases
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~Refinance options available to lower your interest rate
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Contact Dave Gschwind, VP for details @ 513.762.1628
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OR apply online by clicking this link!
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The following APY's (Annual Percentage Yields) for all accounts are accurate through today's date.
Please note: Fees could reduce earnings on your account(s).
SHARE DRAFT (CHECKING) DIVIDEND RATES:
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Balance**
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Dividend Rate
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APY*
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| $200 and Up |
0.25 %
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0.25 %
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SHARE (SAVINGS) DIVIDEND RATES:
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Balance**
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Dividend Rate
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APY*
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| $500 to $9,999 |
0.20 %
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0.20 %
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| $10,000 to $49,999 |
0.25 %
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0.25 %
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| $50,000 and Up |
0.35 %
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0.35 %
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SHARE CERTIFICATE DIVIDEND RATES:
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Balance**
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Dividend Rate
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APY*
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| 12 Months |
0.40 %
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0.40 %
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24 Months
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0.60 %
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0.60 %
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36 Months
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0.80 %
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0.80 %
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48 Months
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1.00 %
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1.00 %
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60 Months
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1.35 %
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1.35%
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*APY = Annual Percentage Yield
** Dividends are calculated on an average daily balance, are subject to change daily and are not guaranteed.
Click here for certificate disclosures. Click here for a certificate application. |
