Loan Information
Concho
Educators Federal Credit Union offers many different types of loans. The
following is a list of the credit union's current loan rates.
Please
note that rates are subject to change without notice.
Loan
Rates Effective: April 1, 2007
Click Here
For Loan Application
|
|
||
|
Description |
Term |
Interest Rates – Based on
Creditworthiness – As Low As |
|
New Auto Loans (2007, 2006) |
72 Months |
6.75%* to 17.75% Annual Percentage Rate |
|
36 Months |
6.50%* to 17.75% Annual Percentage Rate |
|
Used Auto Loans (2005, 2004, 2003) |
Up to 60 Months |
6.75%* to 17.75% Annual Percentage Rate |
|
(2002, 2001, 2000, 1999) |
Up to 48 Months |
7.25%* to 18.00% Annual Percentage Rate |
|
(1998 & Older) |
Up to 36 Months |
7.75%* to
18.00% Annual Percentage
Rate |
|
Home Improvement Loans |
60 Months |
6.75%* to 17.75% Annual Percentage Rate |
|
|
120 Months |
7.00%* to 18.00% Annual Percentage Rate |
|
Home Equity Loans |
60 Months |
6.25%* to 9.50% Annual Percentage Rate |
|
|
120 Months |
6.50%* to 9.75% Annual Percentage Rate |
|
|
180 Months |
6.75%* to 9.750% Annual Percentage Rate |
|
|
240 Months |
7.00%* to 10.00% Annual Percentage Rate |
|
Mortgage Loans |
Up to 30 Years |
Call the Credit Union for Current Rates or visit our website |
|
Recreational Loans (New) |
60 Months |
6.75%* to 17.75% Annual Percentage Rate |
|
|
120 Months |
7.00%* to 18.00% Annual Percentage Rate |
|
|
144 Months |
7.25%* to
18.00% Annual Percentage
Rate |
|
|
60 Months |
7.00%* to 18.00% Annual Percentage Rate |
|
|
120 Months |
7.25%* to
18.00% Annual Percentage
Rate |
|
Share Secured Loans |
------------------------ |
7.00% Annual Percentage Rate |
|
Share Certificate Secured
Loans |
------------------------ |
2.00% Annual Percentage Rate Above Certificate Rate |
|
Signature Loans |
Line of Credit (Variable Rate) |
11.50% to 18.00% Annual Percentage Rate |
|
|
Signature Special |
11.50% to 18.00% Annual Percentage Rate |
|
|
Term Note (Single Pay) |
11.50% to 18.00% Annual Percentage Rate |
|
MasterCard |
No Annual Fee, 25 Days Grace Period, No Cash Advance Fee |
12.80% FIXED Annual Percentage Rate |
|
MasterCard – Gold |
No Annual Fee, 25 Days Grace Period, No Cash Advance Fee |
9.90% FIXED Annual Percentage Rate |
|
MasterCard - ASU RAM
MasterCard |
No Annual Fee, 25 Days Grace Period, No Cash Advance Fee |
12.80% FIXED Annual Percentage Rate |
No Transfer Fee or Cash Advance Fee on MasterCard, MasterCard Gold,
or ASU RAM MasterCard!!!
* Take an additional 0.25% discount for
adding one of the following:
- Credit Life Insurance
- Credit
Disability Insurance
- GAP
Auto Insurance
- Mechanical
Breakdown Protection
- Member
Loyalty Discount
- Checking
Account with Direct Deposit
Lowest rate is based on excellent credit rating.
Lowest rate with maximum discounts – 6.0% APR
Concho Educators uses a risk-based system for all applicants and
a higher rate will apply for those individuals with credit not rated as
excellent.
Contact the credit union to for specific information about your credit rating.
Click Here
For Loan Application
For more information, contact the loan department at
325-223-9192 or e-mail us at:
