Consumer Loan Rates

Credit Union West current loan rates
Consumer Loan Rates
Rates Effective: 01/01/2017
Account TypeTermsAnnual Percentage Rate (APR)
Credit Cards
MasterCard Platinum - Preferred RateRevolving7.99% - 16.99% Variable 1
MasterCard Platinum - RewardsRevolving9.49% - 18.49% Variable 1
Credit ReserveRevolving14.90% Fixed
Auto Loans (Up to 10 years old)Up to 84 Months3.74% - 17.00% 2
Credit Union West Repossessed VehiclesUp to 60 Months2.90%
Secured Loan (RVs, Boats, Motorcycles, etc.)Up to 180 Months4.24% - 17.50% 2
Home Equity Line of CreditUp to 10 Year Draw Period5.25% - 11.25% Variable 3
Home Equity LoanUp to 240 Months4.00% - 11.00% Fixed 4
Personal LoanUp to 84 Months8.50% - 19.25%
Share Secured LoanUp to 120 MonthsBased on the dividend rate plus a margin of 3%
Money Market Secured LoanUp to 120 MonthsBased on the dividend rate of applicable tier plus a margin of 3%
Certificate Secured LoanUp to 60 MonthsBased on the Certificate rate plus a margin of 3%
1 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus a margin. Rates are subject to credit qualifications and performance. Click here for more information on rates.

2 Loan Rates (Auto & Secured) are based on amount financed, term, credit qualifications and performance.

3 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.75% APR and a ceiling of 18.00% APR. Rates are subject to loan-to-value, credit qualifications and performance. 10 year draw period. At the end of the draw period, the loan is amortized over a maximum period of 15 years.

4 Loan level price adjustment added to the margin for non-owner occupied loans.
 

Sample Payments


APR Estimated Monthly Payment
2.99% $582.21, Payment based on $20,000 36 month loan
3.99% $590.39, Payment based on $20,000 36 month loan
4.00% $273.82, Payment based on $20,000 84 month loan
4.24% $453.73, Payment based on $20,000 48 month loan
4.99% $361.51, Payment based on $20,000 63 month loan
5.49% $287.31, Payment based on $20,000 84 month loan
7.75% $240.78, Payment based on $20,000 120 month loan
8.50% $912.09, Payment based on $20,000 24 month loan
10.25% $218.91, Payment based on $20,000 180 month loan
10.50% $200.55, Payment based on $20,000 240 month loan
11.50% $347.73, Payment based on $20,000 84 month loan
12.50% $247.76, Payment based on $20,000 180 month loan
17.00% $437.56, Payment based on $20,000 75 month loan
19.25% $525.44, Payment based on $20,000 60 month loan

Click here for First Mortgage Rates