ATDFCU
Loan Products and Services...
ATD
Federal Credit Union has loans for most all your needs!
New & used cars & trucks,
boats and RVs, even variable
rate second mortgages!
And to help you save for end-of-year expenses, ATDFCU offers
a Holiday Club
that rewards members with an exceptional rate of return!
Scroll down for an overview or take a
look at all the closed end loan types available!
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Automobile
Loans
Call
the Credit Union (408-365-4444) to find out how you can take
advantage of manufactures financing promotions and
still get the
low rates of a Credit Union vehicle loan!
|
NEW
CAR RATES |
|
USED
CAR RATES |
| 6
Yrs |
5.25%
APR |
|
5
Yrs |
6.00%
APR (over 13K) |
| 5
Yrs |
5.00%
APR |
|
4
Yrs |
5.50%
APR (up to 13K) |
| 4
Yrs |
4.50%
APR |
|
3
Yrs |
5.00%
APR (up to 13K) |
| 3
Yrs |
4.00%
APR |
|
|
|
| Maximum |
Loan
Amount $60K |
|
Maximum |
Loan
Amount $45K |
|
|
Don't
forget - when you buy a New Vehicle you now have 90
days from the date of purchase to finance with ATDFCU at
the
New Vehicle Rate! Call for details! And of course,
read about "Negotiating
With the Car Dealer" for tips in purchasing
a new automoble!
2nd
Mortgages
 |
Make
your needs (and dreams!) a reality with our Variable
Rate Second Mortgage Loan
•
15 years to repay! • no points! • no
fees!*
• no prepayment penalty! • $200k max!
5.00% Annual
Percentage Rate
Variable
rate good through December 31st,
2008
For more details ATDFCU's Variable rate 2nds, see the
Variable
Rate 2nd Mortgage Loan
info page!
*The
Credit Union will not charge POINTS or LOAN FEES,
however, the member MUST PAY for an appraisal
on the property and all title company costs. |
LOOK!! Low Low Rates!!
Our Regular Signature Loans can help with the
bills, too!
•
Maximum Loan Amount $7,500.00
• 4 years 6.25% APR
• 3 years 5.25% APR
NOTE: Unsecured loans cannot
exceed $7.500.00; Only one Signature Loan per
Account.
To refinance an existing $7,500.00 loan, the
current balance must be $3,500.00 or less.
Download
a loan application NOW!
(220kb Acrobat pdf)
|
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Need
Holiday Cash? Don't forget to sign up for a Holiday
Club Account!
While
a Holiday Club Account will provide
extra funds for holidays, you may also use it
to save for taxes, vacations, insurance, tution
or any other special need.
Deposits may be made in person or by mail, and
soon, by Direct Deposit.
The
period for opening an account is November
15th thru February 29th, 2008. There is a maximum of
$8,000
per month deposit.
Note
that dividends are paid at maturity and withdrawals
are not allowed; should you close the account
before maturity no dividends will be paid.
Contact
the Credit Union for further details.
Checks
are distributed in mid-November.
|
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,
mileage, 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.
Deductions for high mileage & negative
options
$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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