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Loan Rates
Effective May 1, 2008
You LOVE Your New Auto! But Do You LOVE Your New Loan?
Visit CFFCU fist and let us pre-qualify you for a vehicle loan. Knowing how much you can afford and knowing you have the financing in place puts you in the best possible position to bargain with a dealer. With money savings rates and friendly, local service from people you know you can trust, CFFCU is the right place to finance your vehicle purchase with up to 100% financing. We take the guesswork out of vehicle purchasing and financing. LOVE your new loan at CFFCU!
A one year , $1,000 loan with an APR of 7% would require 12 monthly payments of $87.
All rates quoted as an annual percentage rate (APR).
NEW VEHICLE OR MOTORCYCLE* SECURED LOAN - SPECIAL RATES
| New Vehicle |
(2008-2007) |
| 5.49% APR up to 36 months |
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| 5.49% APR up to 48 months |
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| 5.49% APR up to 60 months |
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| 6.49% APR up to 72 months |
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USED VEHICLE OR MOTORCYCLE* SECURED LOAN - SPECIAL RATES
| 1 - 4 Yr. Old Vehicle |
(2007-2004) |
| 5.49% APR up to 36 months |
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| 5.49% APR up to 48 months |
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| 5.49% APR up to 60 months |
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| 6.49% APR up to 72 months |
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| 5 - 7 Yr. Old Vehicle |
(2003-2001) |
| 6.99% APR up to 36 months |
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| 7.25% APR up to 48 months |
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| 7.50% APR up to 60 months |
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| Over 7 Yr. Old Vehicle |
(2000-Older) |
| 9.00% APR up to 36 months |
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NEW RECREATIONAL VEHICLE SECURED LOAN
| New Vehicle |
(2008-2007) |
| 8.25% APR up to 36 months |
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| 8.50% APR up to 48 months |
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| 8.75% APR up to 60 months |
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| 9.75% APR up to 84 months |
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| 10.75% APR up to 120 months |
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* Motorcycle Loan: $5,000 min. and tagged for street use.
USED RECREATIONAL VEHICLE SECURED LOAN
| 1 - 4 Yr. Old Vehicle |
(2007-2004) |
| 8.75% APR up to 36 months |
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| 9.00% APR up to 48 months |
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| 9.25% APR up to 60 months |
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| 10.25% APR up to 84 months |
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| 11.25% APR up to 120 months |
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| 5 - 7 Yr. Old Vehicle |
(2003-2001) |
| 9.25% APR up to 36 months |
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| 9.50% APR up to 48 months |
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| 9.75% APR up to 60 months |
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| 10.75% APR up to 84 months |
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| Over 7 Yr. Old Vehicle |
(2000 and Older) |
| 10.25% APR up to 60 months |
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| 11.25% APR up to 84 months |
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The dealer below can give you a head start on finding your dream car. You must identify yourself as a member of Catholic Family.
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Over 120 different makes and models of sedans, minivans, trucks and SUVs. Prices are guaranteed to be below NADA and Kelley Blue Book retail.
CFFCU or Home Delivery
www.enterprisecarsales.com
 Make your personal vehicle purchase worry-free by adding CFFCU's extended warranty. Choose from three different levels of coverage and protect yourself from expensive auto repairs.
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Real Estate Loans
1st Mortgage Purchase Money for Primary Residence - Ask a loan officer for details
Call for Rates 180 months 1.0 pt/$500 Min. Application Fee
1st Mortgage Refinance - $10,000 Minimum New Money Borrowed / Up to 80% of Value
| 5.500% |
APR up to 60 months |
$300 Application Fee |
| 5.750% |
APR up to 84 months |
$300 Application Fee |
| 5.900% |
APR up to 120 months |
.75 pt / $300 Min. Application Fee |
| 5.990% |
APR up to 180 months |
1.0 pt / $300 Min. Application Fee |
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2nd Mortgage / Home Equity - $2,500 Min. New Money Borrowed
| £ 80% |
or £ 90% |
or £ 100% of value |
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| 6.50% |
6.75% |
7.25% |
36 months |
| 6.75% |
7.00% |
7.50% |
60 months |
| 7.00% |
7.25% |
7.75% |
84 months |
| 7.25% |
7.50% |
8.00% |
120 months |
Home Equity Line of Credit - $5,000 Minimum Limit
| 5.50% (WSJ* Prime + .50) |
Up to 80% value |
| 6.00% (WSJ* Prime + 1.00) |
Up to 90% value |
| 6.50% (WSJ* Prime + 1.50) |
Up to 100% value |
Visa® Line of Credit
- 9.9% APR Prime Card
- 13.80% APR Classic Card*
- 15.96% APR Basic Card
- 9.9% - 18% APR Secured Card - Loan Value 100% Minimum of Savings
25 - Day Grace Period on Purchases on all Card Programs
*9.9% APR for balance transfers & cash advances
Fees
| $15.00 |
Over approved limit |
| $25.00 |
Returned check |
| $25.00 |
Minimum late payment fee if more than 10 days delinquent |
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Repayment Terms: 3% of balance or $15.00, whichever is greater
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Annual
Percentage
Rate (APR) for
Purchases
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VISA Prime
9.90%-18.00%*
VISA Classic
13.80%-18.00%*
VISA Basic
15.96%-18.00%*
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Other
APRs
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Cash Advance APR*:
VISA Prime........9.90%-18.00%*
VISA Classic......9.90%-18.00%*
VISA Basic.........15.96%-18.00%*
Balance Transfer APR*:
VISA Prime........9.90%-18.00%*
VISA Classic......9.90%-18.00%*
VISA Basic.........15.96%-18.00%*
Penalty APR*:
VISA Prime........13.80%-15.96%-18.00%1
VISA Classic......13.80%-15.96%-18.00%1
VISA Basic.........18.00%2
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Grace Period
for Purchases
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25 Days
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Method of
Computing the
Balance for
Purchases
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Average Daily Balance
(Including new purchases)
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Annual Fee
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None
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Minimum Finance Charge
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$.50
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International Transaction Fee..................................1%**
Late Payment Fee...................................................5%3
Over-the-Credit Limit Fee.......................................$15.00
Cash Advance Fee..................................................3%4
* The ANNUAL PERCENTAGE RATE is based on certain credit worthiness criteria.
** Of converted transaction amount.
1 When you are more than ten (10) days delinquent, more than thirty (30) days
delinquent or more than sixty (60) days delinquent.
2 When you are more than thirty (30) days delinquent.
3 Of Late Payment / $25.00 minimum
4 $3.00 minimum / $30.00 maximum (excludes balance transfers)
The information about the costs for the card described in this application is accurate as of 7/2005. This information may have changed after that date. To find out what may have changed, contact Catholic Family Federal Credit Union at (316) 264-9163.
Savings Secured Loan
4.99% APR up to 120 months
Certificate Secured Loan
Variable rate up to 120 months - call for details
Membership Secured Loan
8.75% APR up to 12 months - $10,000 maximum
9.25% APR up to 24 months - $10,000 maximum
9.75% APR up to 36 months - $10,000 maximum
Guaranteed Student or Parent Loan
Talk to one of our loan officers for details
Loan / Security Fees
$5.00 - Application fee for payment extension or change / release of collateral
$25.00 - Minimum late payment fee if more than 10 days delinquent on consumer loan or Visa
$25.00 - Minimum late payment fee if more than 10 days delinquent on a real estate loan
$25.00 - Returned check fee
$10.00 - Minimum security interest fee (vehicle loans)
$100.00 - Minimum savings balance with outstanding loan(s)
$500.00 - Maximum insurance deductible for vehicle secured loan over $1,500
$1,000.00 - Maximum insurance deductible for real estate secured loan
Varies - Real estate related processing and closing costs
EACH LOAN OR VISA REQUEST IS REVIEWED ON INDIVIDUAL QUALIFICATIONS, WHICH MAY INCREASE THE PUBLISHED RATE. CREDIT LIFE INSURANCE AND CREDIT DISABILITY INSURANCE ARE AVAILABLE ON MEMBER LOANS AND VISA.
Food Drive Sponsor
Donated to St. Anthony Family Shelter for the homeless. Canned goods, paper items, personal care items or other non-perishable items. Bring at time of loan closing or any other time as well.
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