| New Cars Inc. - Auto Buying Service |
| Effective Date: Tuesday, March 19th, 2019 |
| 100% of Retail on Purchases |
| APR | Minimum Loan Amount | Term (months) | Estimated Payment/$1,000 |
| 3.20%* -15.90% |
N/A |
Up to 36 |
$29.03-$35.11 |
| 3.20%* -15.90% |
N/A |
48 |
$22.09-$28.29 |
| 3.20%* -16.65% |
$10,001 |
60 |
$17.92-$24.66 |
| 3.45%*-17.15% |
$15,001 |
72 |
$15.26-$22.33 |
| 3.45%*-17.65% |
$30,001 |
84+ |
$13.28-$20.81 |
*Rate reflects a 0.25% discount for auto purchased through New Cars Inc. Other available discounts include:- 0.50% discount for auto payment from an Foothill checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
- 0.25% discount for our school and hospital employees.
|
 |
| Automobile and Truck Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| 100% of Retail on Purchases |
| APR | Minimum Loan Amount | Term (months) | Estimated Payment/$1,000 |
| 3.45%*-16.45% |
N/A |
Up to 36 |
$29.28-$35.38 |
| 3.45%*-16.45% |
N/A |
48 |
$22.33-$28.57 |
| 3.45%*-17.20% |
$10,001 |
60 |
$18.17-$24.96 |
| 3.70%*-17.20% |
$20,001 |
72 |
$15.51-$22.36 |
| 3.70%*-17.20% |
$30,001 |
84+ |
$13.53-$20.55 |
*Rate discounts may apply:- 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
- 0.25% discount for our school and hospital employees
|
|
| Watercrafts and Motorcycles Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| 90% of Retail on Purchases |
| APR | Minimum Loan Amount | Term (months) | Estimated Payment/$1,000** |
| 5.35%*-17.95% |
N/A |
Up to 36 |
$30.13-$36.13 |
| 6.10%*-17.95% |
N/A |
48 |
$23.53-$29.35 |
| 6.85%*-17.95% |
$10,000 |
60 |
$19.73-$25.37 |
| 7.60%*-17.95% |
$15,000 |
72** |
$17.34-$22.78 |
| 8.35%*-17.95% |
$30,000 |
84+** |
$15.76-$20.99 |
*Rate discounts may apply: - 0.50% discount for auto transfer from an Foothill checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
- 0.25% discount for our school and hospital employees
** Watercrafts only |
|
| Recreational Vehicle Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| 85% of Retail on Purchases |
| APR | Minimum Loan Amount | Term (months) | Estimated Payment/$1,000** |
| 4.85%*-17.85% |
N/A |
Up to 36 |
$29.90-$36.08 |
| 5.35%*-17.85% |
N/A |
48 |
$23.19-$29.30 |
| 5.85%*-17.85% |
$10,001 |
60 |
$19.26-$25.31 |
| 6.35%*-17.85% |
$20,001 |
72 |
$16.74-$22.72 |
| 6.85%*-17.85% |
$30,001 |
84+ |
$15.02-$20.93 |
Rate discounts may apply:- 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
- 0.25% discount for our school and hospital employees.
|
|
| Personal Loan Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| Loan Type | APR | Loan Amount | Term (months) | Estimated Payment/$1,000 |
| Signature Loan |
8.15%*-16.15% |
$500 Minimum - $25,000 Maximum |
36 |
$24.48- $28.41 |
| Signature Loan |
9.75%*-17.75% |
$500 Minimum - $25,000 Maximum |
48 |
$25.24-$29.24 |
| Personal Line |
9.75%*-17.75% |
$25,000 Maximum |
N/A |
N/A |
| *Rate reflects a 0.50% discount for auto transfer from an Foothill checking account with direct deposit. |
Other available discounts include:- 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
- 0.25% discount for our school and hospital employees
|
| Fresh Start Personal Loan |
2.00% |
$1,000 Minimum with a $5,000 Maximum |
36 |
$28.64 |
| If member does not have funds on deposit; proceeds from this loan go into the share account, then a hold is placed on the funds until the loan is paid in full. |
|
| Computer Loan Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| Note: Computer Loan is available to 17-24 years of age only. |
| APR | Loan Amount | Term (months) | Estimated Payment/$1,000** |
| Computer Loan |
8.95% |
$3,000 Maximum |
24 |
$45.66 |
| All proceeds will be paid directly to the computer distributor. In the case of an Internet purchase, the proceeds will be paid directly to the member s credit card account that was used to make the purchase. A copy of the statement and invoice will be required. |
|
| MasterCard Rates |
| Effective Date: Tuesday, March 19th, 2019 |
|
| Loan Type | APR | Loan Amount | Term (months) |
| Platinum |
11.00%-17.50% |
$25,000 Maximum |
N/A |
| Platinum Rewards |
12.50%-18.00% |
$25,000 Maximum |
N/A |
| Credit Builder |
17.90% |
To be determined by amount secured in shares |
N/A |
| A rate is based on a variety of factors, including the applicants credit rating. |
|
| Share Secured Rates |
| Effective Date: Tuesday, March 19th, 2019 |
| Loan Type | Term | Current APR |
| Share Secured |
N/A |
2.05% |
| Share secured loans are available for up to 100% of the share balance at 2% over the current rate. |
|
