| NOTE:
These calculators are intended for informational purposes only.
They are NOT intended as a disclosure or an offer of
credit.
Your actual payments may vary. Actual payments will be slightly
higher if member elects to purchase disability insurance. |
| |
| How
Long Will It Take To Reach Your Retirement Goal? |
|
|
Can't wait for the day when you
retire?
This is an easy way for you to figure out
how how quickly you will reach
your financial goal at a given rate of return.
Although you
can enter commas, please do not enter dollar
or percentage signs
when you fill in the blanks.
|
|
| To
provide you with greater access of information, the
ATD Federal Credit Union site also contains links
to other sites. While we hope these organizations
join us in respecting your privacy, ATD Federal Credit
Union is not responsible for the content or
privacy practices of these other web sites. |
|
|
Loan
Rates and Terms
Closed
End Loans
|
|
|
Rates
effective
Oct. 1st, '08
|
Note:
Use Calculator below
for approximate unit cost of each type loan.
|
|
|
|
ANNUAL
PERCENTAGE
RATE
|
TIME
ON JOB
|
MAXIMUM
LOAN
|
MAXIMUM
REPAYMENT
PERIOD
|
Unit
Cost/
$1000
|
|
Signature
(unsecured)(4)
|
5.25%
6.25%
|
1
Day
|
$7,500 (2)
$7,500 (2)
|
36 Months
48 Months
|
see
calculator |
|
Share
Secured
(based on savings)
|
5.50%
|
1
Day
|
Amount
in savings
$100,000 max (2)
|
Member's
Option
Up to 120 Months
|
see
calculator |
|
|
4.00%
4.50%
5.00%
5.25%
|
1
Day
|
100%
of
Purchase Price
including
Tax and License
$60,000 max (2)
|
36
Months Max
48 Months Max
60 Months Max
72 Months Max
over $20,000
|
see
calculator |
Used
Cars
and
Trucks (1, 3)
|
|
1
Day
|
100%
of high Blue Book not including options, milage,
tax or license.
(Deductions for high mileage & negative options)
$45,000 max (2)
|
36
Months Max
48 Months Max
60 Months Max
$13,000 and over
depending on age and condition
|
|
New
Boats
and
Travel Trailers (1)
|
8.50%
|
1
Day
|
90%
of purchase price including tax and license
$40,000 max (2)
|
$20,000
and less
60 months
$20,001
and greater
72 months
|
see
calculator |
|
|
9.50%
|
1
Day
|
90%
of low Blue Book based on equipment, options
and mileage,
not including tax or license.
Deductions for high mileage & negative options
$25,000 max (2)
|
$13,000
and less
48 months max.
60
months
$13,001 to $25,000
depending on age and condition
|
see
calculator |
New
Motor Homes,
Self-contained
and
Recreational Vehicles (1)
|
8.50%
|
1
Day
|
90%
of purchase price including tax and license
$80,000 max (2)
|
84
months max
|
see
calculator |
Used
Travel Trailers
and
Recreational Vehicles (1, 3)
|
9.50%
|
1
Day
|
90%
of low Blue Book based on equipment, options
and mileage, not including tax or license.
$40,000 max (2)
|
$13,000
and less
48 months max.
$13,001
to $25,000
60 months
depending on age and condition
|
see
calculator |
|
|
Call
for details
|
1
Day
|
|
15
years
|
see
calculator |
|
|
| Notes:
Co-signer may be required by Credit Union
(1) For pre-approved vehicle, RV
and boat loans call ATD Federal Credit Union
(2) Plus disability insurance
available at the borrowers option
(3) All used vehicles require an appraisal.
(4) To refinance a $7,500 signature loan, the existing balance must be $3,500
or less.
| Loans
are insured by the Credit Union up to a maximum individual coverage of $20,000
by CUNA Mutual Insurance. This important loan insurance will pay off your insured
loan balance up to $20,000 should you die before age 70.
There are no premiums to pay, nor any physical exams. If you meet the eligibility
requirements, you automatically get this insurance free of charge when you get
your loan. Provided
to protect the families of the ATD Credit Union borrowers, it's one more good
reason to see your Credit Union first when you need a loan! |
This
program may be discontinued without prior notice by ATDFCU.
For further information on loan policies, stop by the Credit
Union office or
call 408-365-4444
Loan rates and terms may be changed without notice.
To
talk to a Loan Specialist for more information, call
ATD Federal Credit Union
1-408-365-4444
7:30am
- 3:30pm M-Th PST
7:30am
- 1pm Fri PST
ATDFCU
does not use the Internet to collect any information about
it's members
|
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