| 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!
Automobile
Loans
| NEW
CAR RATES |
|
USED
CAR RATES |
| 6
Yrs |
4.50%
APR |
|
5
Yrs |
6.00%
APR (over 13K) |
| 5
Yrs |
4.50%
APR |
|
4
Yrs |
5.50%
APR (up to 13K) |
| 4
Yrs |
4.00%
APR |
|
3
Yrs |
5.00%
APR (up to 13K) |
| 3
Yrs |
3.50%
APR |
|
|
|
| Maximum |
Loan
Amount $60K |
|
Maximum |
Loan
Amount $45K |
|
|
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!
5.25%
APR until
Dec.
31st, 2004
For more details about this exciting program, go to 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!
Special
Rates!
•
Maximum Loan Amount $7,500.00
• 4 years 6.00% APR
• 3 years 5.00% APR
• 2 years 4.00% 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.
|
|
|
 |
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.
For the calendar year 2004-05, Holiday Club accounts return
2.00%APY / 2.0 APR! There is a monthly deposit limit of $8,000.00
per month on Holiday Club accounts.
Open a Holiday Club account only from November 17th through
February 28th, '05.
Checks
are distributed in mid-November.
The signup period is mid-November through February 28th each
year. |
| Special
Loan Rates and Terms
Closed
End Loans
|
| Applicable
to all members. Subject to change without notice. |
Rates
effective
thru Dec.
31st
'04 |
| |
ANNUAL
PERCENTAGE
RATE |
TIME
ON JOB |
MAXIMUM
LOAN |
MAXIMUM
REPAYMENT
PERIOD |
| Signature
(unsecured)(4) |
4.00%
5.00%
6.00% |
1
Day |
$7,500
(2)
$7,500 (2)
$7,500 (2) |
24
Months
36 Months
48 Months |
| Share
Secured
(based on savings) |
5.50% |
1
Day |
Amount
in savings
$100,000 max (2) |
Member's
Option
Up to 120 Months |
| |
3.50%
4.00%
4.50%
4.50% |
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 |
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
|
| |
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) |
$13,0000
and less
48 months max.
60 months
$13,001 to $25,000
depending on age and condition
|
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 |
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
|
| |
Call
for details |
1
Day |
|
15
years |
|
| 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
9:30am
- 3:30pm M-Th PST
9:30am
- 1pm Fri PST
ATDFCU
does not use the Internet to collect any information about
it's members
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