FLUKE EMPLOYEES FEDERAL CREDIT UNION

[Pages:1]FLUKE EMPLOYEES FEDERAL CREDIT UNION LOAN INTEREST RATE SHEET

Rates effective for new applications from February 20, 2020

Auto Loans* ? Choose your terms to meet your needs

We do not bait and switch with Risk Based Lending

No private party transactions

New Autos 3.00% ? up to 48 months

4.00% - up to 72 months

0% down....based on dealer invoice 2017-model year and later, qualify as "new"

Used Autos 4.10% ? up to 72 months

You pick the term

Must be 2013 or newer

up to 48 months for loans of $8,000 or less

100% NADA Retail Value plus tax, license and extended warranty.

***Plus save even more***

Reduce your loan rate by 0.3% with a new or used auto rated as SmartWay or SmartWay Elite by the EPA Does not apply to 48-month loans.

Traditional Signature Loan*

For all members ? payroll deduction or equiv*. required

Application required...Usually closes in one day

Employment

Max. Loan Amount

Rate

Max. Loan Term

Over 6 to 12 months Over 12 to 24 months Over 24 months

hourly rate X 100 hourly rate X 160 hourly rate X 240

11.5% 11.0% 10.5%

36 months 36 months 36 months

* i.e. ACH payments arranged through another financial institution

Quick No-Application required Signature Loans*

For current sponsor employees ? ADP payroll deduction required

Quick Loan: Usually closes same day. Borrow up to 100 hours times your hourly rate at 18% for a term of up

to 12 months.

$10,000 cap for all signature loans, $3,500 cap plus promo loans, on No-Application loans.

Other Secured Loans

Type

Maximum

Dollar Amt.

Share Secured

share balance less $5

Interest Rate (APR)

Maximum Length of Contract

1.5 % over the most recent declared dividend 2.5 % over the most recent declared dividend

1-48 months 49 ? 120 months

TERMS AND RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

* Auto loans are available in Washington State only All rates APR, annualized percentage rate * application fees apply

Contact credit union at x5930 for details

REMEMBER! Use credit wisely

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