| Consumer Loan Rate Sheet |
|
|
| Effective Date: January 31, 2008 |
| |
| TOYOTA: New and Used Vehicle Advances |
|
| Automobiles, Vans, Trucks (up to 100% financing) |
| |
| Loan Terms |
Annual Percentage Rate* |
Daily Periodic Rate* |
| Up to 60 months |
6.45% - 12.45% |
.017671 - .034110% |
| 61 - 72 months |
7.45% - 9.45% |
.020411 - .025890% |
| |
| Additional .75% discount for 2005, 2006, or 2007 model Toyota, Lexus, or Scion. |
| |
| NON-TOYOTA: New and Used Vehicle Advances |
|
| Automobiles, Vans, Trucks, (up to 100% financing) |
| |
|
|
| Loan Terms |
Annual Percentage Rate* |
Daily Periodic Rate* |
| Up to 60 months |
6.95% - 12.95% |
.019041 - .035479% |
| 61 - 72 months |
7.95% - 9.95% |
.021781 - .027260% |
| |
| |
| OTHER Vehicle - Motorcycles, Boats, R.V.s |
|
| Loan Terms |
Annual Percentage Rate* |
Daily Periodic Rate* |
| Up to 48 months |
8.95% - 14.95% |
.024521 - .040959% |
| 60 months |
9.20% - 15.20% |
.025205 - .041644% |
| 72 months |
9.95% - 11.95% |
.027260 - .032740% |
| 84 months |
10.45% - 12.45% |
.028630 - .034110% |
| 10 - 12 years |
10.95% - 12.95% |
.030000 - .035479% |
| |
|
|
| |
|
|
| Home Equity Line of Credit |
|
|
|
| Credit Limit |
|
|
| $10,000 - $500,000+ |
5.50% - 11.50% |
.015068 - .031507% |
| |
|
|
| No closing costs if line maintained for 36 months. |
| |
|
|
| |
|
|
| Quick Cash Line of Credit |
|
|
|
| Credit Limit |
| $1,000 - $15,000 |
10.95% - 16.95% |
.030000 - .046438% |
| |
|
|
| Personal Loan (Up to 48 months) |
|
|
|
| Credit Limit |
|
|
| $1,000 - $15,000 |
11.95% - 17.95% |
.032739 - .049178% |
| |
|
|
| |
|
|
| Credit Card |
|
|
|
| Card Type |
Annual Percentage Rate* |
Daily Periodic Rate* |
| Platinum/Gold/Classic |
11.24% - 16.74% |
.030795 - .045863% |
| |
| Add .25% to your Consumer Loan Rate if you do not schedule payments through automatic transfer from our Toyota FCU checking or savings account (excludes unsecured loans and credit card rates), or if you do not have net check. |
| |
| * Rates depend upon satisfying our underwriting criteria. If your credit is approved, the Daily Periodic Rate and the corresponding Annual Percentage Rate applicable to your account will be disclosed to you in conjunction with your agreement informing you of your credit approval and your credit limit. |
| |
| Share Certificate -- advances limited to 90% of amount available. The Annual Percentage Rate shall be 1.25% over the interest rate of the Share Certificate pledged for collateral, or 1% over the interest rate of the Share Certificate pledged for collateral with automatic payment out of your TFCU checking account. |
| |
| The table above discloses the current Daily Periodic Rate and the corresponding Annual Percentage Rate on personal loans and secured loans advanced under the credit union's credit plan known as the "Open End Loan and Security Agreement." The initial rate for "Variable Loan Rates" will be at the Daily Periodic Rate and the Annual Percentage Rate disclosed above. |
| |
| We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. |
| Note: Loan rates subject to change. Please contact a Toyota FCU representative for current rates and information on any terms/conditions. |
| |
