Loan Rates

As of July 2008 >Apply Now!<
Home Mortgage Loans - Conforming loans of $417,000 or less
LOAN TYPE	INTEREST RATE	APR*
30-Year Fixed	6.375%	6.552%
15-Year Fixed	5.875%	6.160%
3-Year ARM / Variable rate & payment every 3 years.	5.250%	5.696%
These are current conforming rates for a single-family primary residence. Your final interest rate will depend on specific characteristics of your loan transaction and your credit profile. *The Annual Percentage Rate (APR) assumes an 80% loan-to-value ratio on a loan amount of $100,000 and a 1% loan origination fee. Higher loan-to-value ratio loans are available, please check with a loan specialist.
Home Equity Loans
LOAN TYPE	INTEREST RATE	TERMS
Fixed Loan (Fixed Rate)	6.00% a.p.r.	For 60 months. Longer terms are available. Please check with a loan specialist.
Rates may be higher based on credit history and term. To determine your rate, contact the Loan Department. If the loan is reconveyed within 2 years from the date of the agreement, a set-up fee will be assessed.
Line of Credit (Variable Rate)	4.75% a.p.r.
Rates based on prime as published in the Wall Street Journal, with a minimum floor. Maximum rate cap is 14% a.p.r. Variable rate, subject to change quarterly. Rates may be higher based on credit history. If the loan is reconveyed within 2 years from the date of the agreement, a set-up fee will be assessed.
New Auto/Truck Loans
RATES START AT	TERM
4.74% a.p.r.	for 48 months with payroll deduction.
4.99% a.p.r.	for 48 months without payroll deduction.
Rates may be higher based on credit history and term. Longer terms are available. Up to 100% financing, subject to qualification.
Used Auto/Truck Loans
RATES START AT	TERM
4.74% a.p.r.	for 48 months with payroll deduction.
4.99% a.p.r.	for 48 months without payroll deduction.
Rates may be higher based on credit history and term. Longer terms are available. Up to 100% financing, subject to qualification. One percent increase in rate for autos and trucks 8 years old or older.
New & Used RV Loans
RATES START AT	TERM
6.54% a.p.r.	for 48 months with payroll deduction.
6.79% a.p.r.	for 48 months without payroll deduction.
Rates may be higher based on credit history and term. Longer terms are available.
Other Secured Loans
RATES START AT	TERM
9.74% a.p.r.	for 48 months with payroll deduction.
9.99% a.p.r.	for 48 months without payroll deduction.
Rates may be higher based on credit history and term. Longer terms are available.
Signature Loans
RATES START AT	TERM
11.80% a.p.r.	for up to 36 months.
Rates may be higher based on credit history.
VISA Platinum Credit Card
ANNUAL PERCENTAGE RATE	OTHER INFORMATION
Daily Periodic Rate for purchases is 0.0268% - 0.0488% 9.80% a.p.r. -17.80% a.p.r.	No annual fee 25-day grace period on purchases Late Fee - $15 or 5% of past due amount, whichever is greater Over-limit Fee - $20
Other Loans
Business Loans: Very attractive pricing on a variety of business loan products. Ask us for a quote! Also Available: Share Secured Certificate Secured Please contact the Loan Department for more information.
Rates and terms on loans are subject to change. Rates may be higher based on credit history and term. To determine your rate, contact the loan department. All rates are quoted as annual percentage rate (a.p.r.). Loans subject to approval.

For more information please call 248-1720 (800-347-9222 outside the Yakima calling area), send an e-mail, or visit any Yakima Valley Credit Union location.