Auto Loan Rates As of July 1, 2016

Transcription

1 Auto Loan Rates New Auto 2015 & Newer Months 3.49% 3.64% Less than 20% down payment Months 3.24% 3.39% 20% or more down payment New Auto 2015 & Newer up to 72 Months 2.49% 2.69% Less than 20% down payment up to 72 Months 2.24% 2.44% 20% or more down payment Used Auto 2014 & Newer Months 3.49% 3.66% Less than 20% down payment Months 3.24% 3.41% 20% or more down payment Used Auto 2014 & Newer up to 72 Months 2.49% 2.73% Less than 20% down payment up to 72 Months 2.24% 2.48% 20% or more down payment Used Auto up to 60 Months 2.49% 2.88% Less than 20% down payment up to 60 Months 2.24% 2.63% 20% or more down payment Used Auto up to 48 Months 2.49% 3.07% Less than 20% down payment up to 48 Months 2.24% 2.82% 20% or more down payment Used Auto up to 48 Months 3.49% 4.22% Less than 20% down payment up to 48 Months 3.24% 3.97% 20% or more down payment College Graduate Auto Program For recent college graduates who are employable but do not yet have a job New Auto 2015 & Newer up to 72 Months 4.49% 4.73% Less than 20% down payment up to 72 Months 4.24% 4.48% 20% or more down payment Used Auto 2014 & Newer up to 72 Months 5.49% 5.73% Less than 20% down payment up to 72 Months 5.24% 5.48% 20% or more down payment Used Auto up to 60 Months 4.49% 4.89% Less than 20% down payment up to 60 Months 4.24% 4.64% 20% or more down payment Used Auto up to 48 Months 4.49% 5.08% Less than 20% down payment up to 48 Months 4.24% 4.83% 20% or more down payment * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. A complete disclosure of OHecu Auto Loan Rates is provided at the end of this document. Automobiles titled lass than 12 months and having less that 15,000 miles are eligible for New Auto Loan Rates.

2 Boat, RV & Motorcycle Loan Rates New Boat 2014 & Newer 180 Months 4.25% 4.28% Up to $100, Months 4.75% 4.83% 72 Months 5.25% 5.42% Used Boat 2007 & Newer 180 Months 4.75% 4.79% Up to $100, Months 5.25% 5.33% 72 Months 5.75% 5.92% New Recreational Vehicle 2015 & Newer 180 Months 4.25% 4.28% Up to $150, Months 4.75% 4.83% 72 Months 5.25% 5.42% Used Recreational Vehicle 2008 & Newer 180 Months 4.75% 4.79% Up to $100, Months 5.25% 5.33% 72 Months 5.75% 5.92% New Motorcycle 2015 & Newer up to 60 Months 4.74% 5.10% No down payment required Used Motorcycle up to 60 Months 5.24% 5.60% No down payment required New Other Titled 2014 & Newer up to 60 Months 6.00% 6.48% No down payment required (ATVs, Personal Watercraft, Trailers, etc.) Used Other Titled up to 60 Months 6.50% 6.99% No down payment required (ATVs, Personal Watercraft, Trailers, etc.) * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. A complete disclosure of OHecu Boat, RV and Motorcycle Loan Rates is provided at the end of this document.

3 Consumer Loan Rates Shared Secured Up to 84 Months 3.50% 3.54% Loans up to 95% of Pledged Shares. Prime +0%. Monthly Periodic Rate is %. This rate may vary. VISA Platinum Card Various Visit OHecu website Visa Platinum Card Quick-Cash Term Loan Up to 60 Months 12.75% 12.97% Quick Cash Line-of-Credit N/A 14.50% 14.50% The monthly periodic rate is %. Quick Cash Summer Loan Special Up to 25 Months 9.99% 9.99% Min. $500. Available from May 23, 2016 through September 10, 2016 Student Loans Private Line-of-Credit 6.10% 6.10% Prime Rate % or 6.00% minimum rate whichever is greater. Monthly periodic rate is %. This rate may vary. Private Consolidation Loan % 6.75% Prime Rate +3.25% or 6.00% minimum rate whichever is greater. Monthly periodic rate is %. This rate may vary. * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. A complete disclosure of OHecu Consumer Loan Rates is provided at the end of this document

4 Mortgage Loan Rates percentage Loan term Rate* APR Notes Home Equity Line of Credit 20 Year max. 3.50% 3.50% Loan to Value <= 80% Variable Rate (Based on Prime Rate + a margin) Prime Rate +0.00% (Minimum Rate of 3.25%) Monthly periodic rate is % 20 Year max. 4.00% 4.00% Loan to Value > 80% and <= 85% Prime Rate +0.50% (Minimum Rate of 3.25%) Monthly periodic rate is % 20 Year max. 4.50% 4.50% Loan to Value > 85% and <= 90% Prime Rate +1.00% (Minimum Rate of 3.25%) Monthly periodic rate is % Non-Owner Occupied 20 Year Max. 6.50% 6.50% Loan to Value <= 65% Home Equity Line of Credit Monthly periodic rate is % Variable Rate First Mortgages Various Fixed and Adjustable Rate Mortgages Contact 24-Hour Loan Application Department 180-Day Rate Lock Available or visit and use Loan Application for current rates * The best rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Loan to Value equals the percentage of the value of the house less any first mortgage. APR= Annual Percentage Rate and is based on a $100,0000 loan. Credit tiers A+, A, B, C, and D are eligible for a 2.99% introductory rate for a period of six (6) full billing cycles from the HELOC booking date. Applications must be received on or after September 4, 2012.

5 Loan Rate Disclosures APR=Annual Percentage Rate Disclosures for OHecu Auto Loans Offer good to new or used (titled) auto loans financed directly through any Ohecu office and can be used to refinance a non Ohecu auto loan. These product terms cannot be used to refinance an existing Ohecu loan. All examples are based on the best rate available only to OHecu member with Tier A+ credit, with automated loan payment initiated by OHecu. New Auto as low as 3.49% (3.64% APR) for a $35,000 loan amount for a 84 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. New Auto as low as 3.24% (3.39% APR) for a $35,000 loan amount for a 84 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. New Auto as low as 2.49% (2.69% APR) for a $30,000 loan amount for a 72 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. New Auto as low as 2.24% (2.44% APR) for a $30,000 loan amount for a 72 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 3.49% (3.66% APR) for a $30,000 loan amount for a 84 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 3.24% (3.41% APR) for a $30,000 loan amount for a 84 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.49% (2.73% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.24% (2.48% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.49% (2.88% APR) for a $18,000 loan amount for a 60 month term with a payment of $ on a 2011 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.24% (2.63% APR) for a $18,000 loan amount for a 60 month term with a payment of $ on a 2011 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.49% (3.07% APR) for a $15,000 loan amount for a 48 month term with a payment of $ on a 2009 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 2.24% (2.82% APR) for a $15,000 loan amount for a 48 month term with a payment of $ on a 2009 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 3.49% (4.22% APR) for a $12,000 loan amount for a 48 month term with a payment of $ on a 2007 and newer models and financing over 80% of the vehicle purchase value. Used Auto as low as 3.24% (3.97% APR) for a $12,000 loan amount for a 48 month term with a payment of $ on a 2007 and newer models and financing over 80% of the vehicle purchase value. College Graduate New Auto as low as 4.49% (4.73% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. College Graduate New Auto as low as 4.24% (4.48% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2015 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 5.49% (5.73% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 5.24% (5.48% APR) for a $25,000 loan amount for a 72 month term with a payment of $ on a 2014 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 4.49% (4.89% APR) for a $18,000 loan amount for a 60 month term with a payment of $ on a 2011 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 4.24% (4.64% APR) for a $18,000 loan amount for a 60 month term with a payment of $ on a 2011 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 4.49% (5.08% APR) for a $15,000 loan amount for a 48 month term with a payment of $ on a 2009 and newer models and financing over 80% of the vehicle purchase value. College Graduate Used Auto as low as 4.24% (4.83% APR) for a $15,000 loan amount for a 48 month term with a payment of $ on a 2009 and newer models and financing over 80% of the vehicle purchase value Disclosures for OHecu Boat, RV, & Motorcycle Loans Offer good to new or used (titled) Boat, RV, and Motorcycle loans financed directly through any Ohecu office and can be used to refinance a non Ohecu boat, RV, or motorcycle loan. These product terms cannot be used to refinance an existing Ohecu loan. All examples are based on the best rate available only to OHecu member with Tier A+ credit, with automated loan payment initiated by OHecu. New Boat as low as 4.25% (4.28% APR) for a $75,000 loan amount for a 180-month term with a payment of $ on a 2014 and newer model. New Boat as low as 4.75% (4.83% APR) for a $50,000 loan amount for a 120-month term with a payment of $ on a 2014 and newer model. New Boat as low as 5.25% (5.42% APR) for a $35,000 loan amount for a 72-month term with a payment of $ on a 2014 and newer model. Used Boat as low as 4.75% (4.79% APR) for a $75,000 loan amount for a 180-month term with a payment of $ on a 2007 and newer models. Used Boat as low as 5.25% (5.33% APR) for a $50,000 loan amount for a 120-month term with a payment of $ on a 2007 and newer models. Used Boat as low as 5.75% (5.92% APR) for a $35,000 loan amount for a 72-month term with a payment of $ on a 2007 and newer models. New Recreation Vehicle as low as 4.25% (4.28% APR) for a $75,000 loan amount for a 180-month term with a payment of $ on a 2015 and newer model. New Recreation Vehicle as low as 4.75% (4.83% APR) for a $50,000 loan amount for a 120-month term with a payment of $ on a 2015 and newer model. New Recreation Vehicle as low as 5.25% (5.42% APR) for a $35,000 loan amount for a 72-month term with a payment of $ on a 2015 and newer model. Used Recreation Vehicle as low as 4.75% (4.79% APR) for a $75,000 loan amount for a 180-month term with a payment of $ on a 2008 and newer models. Used Recreation Vehicle as low as 5.25% (5.33% APR) for a $50,000 loan amount for a 120-month term with a payment of $ on a 2008 and newer models. Used Recreation Vehicle as low as 5.75% (5.92% APR) for a $35,000 loan amount for a 72-month term with a payment of $ on on a 2008 and newer models. New Motorcycle as low as 4.74% (5.10% APR) for a $20,000 loan amount for a 60 month term with a payment of $ on a 2015 and newer models. Used Motorcycle as low as 5.24% (5.60% APR) for a $20,000 loan amount for a 60 month term with a payment of $ on a 2008 and newer models. New Other Titled as low as 6.00% (6.48% APR) for a $15,000 loan amount for a 60 month term with a payment of $ on a 2014 and newer models. Used Other Titled as low as 6.50% (6.99% APR) for a $15,000 loan amount for a 60 month term with a payment of $ on a 2007 and newer models. Disclosures for OHecu Consumer Loans Share Secure as low as 3.25% (3.909% APR) for a $5,000 loan amount for 36 months with a payment of $ Quick-Cash Term Loan as low as 12.75% (12.97% APR) for a $10,000 loan amount for a 60-month term with a payment of $ Quick-Cash Summer Loan Special as low as 9.99% (9.99% APR) for a $2,500 loan amount for a 25 month term with a payment of $