Valley Hills Federal Credit Union
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LOAN INTEREST RATES

*Annual Percentage Rate
New Auto            
Term of Loan        730+        680-729        640-679        600-639       599 or less         Minimum $        Maximum LTV
36MN                     2.20%          4.20%            6.49%             8.50%          15.00%               $3,500.00                    110%
48MN                     2.20%          4.20%            6.49%             8.75%          15.00%               $5,000.00                    110%
60MN                     2.20%          4.20%            6.49%             9.00%          15.00%             $10,000.00                    110%
72MN                     2.50%          4.50%            7.49%             9.25%          15.00%             $15,000.00                    110%
84MN                     3.49%          4.50%            7.49%           10.75%          16.00%             $25,000.00                    100%
Used Auto            
Term of Loan        730+        680-729        640-679        600-639        599 or less        Minimum $         Maximum LTV
36MN                      2.20%         4.20%            7.50%            8.75%           15.00%             $3,500.00           110% (of low KBB)
48MN                      2.20%         4.20%            7.75%            9.00%           15.00%             $5,000.00           110% (of low KBB)
60MN                      2.20%         4.20%            8.00%            9.25%           15.00%           $10,000.00           110% (of low KBB)
72MN                      2.50%         4.50%            8.25%            9.50%           15.00%           $15,000.00           110% (of low KBB)
84MN                      3.49%         5.49%            9.75%          11.00%           16.00%           $25,000.00           100% (of low KBB)

The following rates include all new and used motorcycles, motor homes, and boats, etc.
FICO SCORES                    New                    Used
730 and above                   7.00%                   8.50%
680-729                               7.25%                   8.75%
640-679                               8.00%                   9.00%
600-639                              12.50%                12.75%
599 or less                         16.00%                16.00%

                                                                                                                                     Holiday,
                                                                                                                                  Emergency,

FICO SCORES
                                  Unsecured                                                   & Vacation
730 and above                                    8.50%                                                                8.50%
                                                                                                                         Loan limit: $1,500.00
680-729                                              11.00%                                                              11.00%
                                                                                                                         Loan limit: $1,500.00
640-679                                              13.50%                                                              13.50%
                                                                                                                         Loan limit: $1,500.00
600-639                                             15.50%                                                               15.50%
                                                                                                                         Loan limit: $1,500.00
599 or less                                         18.00%                                                               18.00%
                                                                                                                         Loan Limit $1,500.00
UNSECURED LOAN LIMITS QUALIFICATIONS
Members with under a year of service may borrow up to $3,000-24mns.
Members with a minimum of one year of service may borrow up to $5,000-36mns.
Members with three years of service may borrow up to $7,500-36mns.
Members with five years of service may borrow up to $10,000-36mns.
Members with seven years of service may borrow up to $15,000-48mns.
Members with ten years and over service of service may borrow up to $20,000-60mns.



Need Cash Now Loan
$20.00 fee
$500.00 maximum
24%-payment payroll deducted
28%-payment nor payroll deducted

Increase My Wealth
$1,000 to $10,000, at 4% for 1-5 years; put it back into a special savings account that is frozen until the loan is paid. No credit or income verification.


Share Secured Loan-maximum term up to 120 months
Up to 36 mns-2% above dividend rate earned
37 mns-60 mns-3%
above dividend rate earned
61 mns-84 mns-4%
above dividend rate earned
85 mns-120 mns-5%
above dividend rate earned


Title Loans
18%
18 months
Call Credit Union for details



Rates may change at any time as determined by the Credit Union Board of Directors.



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