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> > Loans Secured by Regular Savings
All rates quoted for non-real estate loans (vehicle and other secured personal loans) are rates which apply to the large majority of the credit union borrowers. Higher rates may apply on applications with higher indications of credit risk and the credit union reserves the right to apply higher rates based on applicant credit history and credit score. Payment Calculator All Rates: view a full schedule of all loan and savings rates in our current newsletter.
Four Points Federal Credit Union is an Equal Housing Lender, an Equal Opportunity Lender, and complies with all requirements of the Federal Truth in Lending Act. All published rates are subject to change without notice. Existing variable rate loans are subject to change with a 30-day notice. Apply for Your Membership with the credit union Online
IMPORTANT DISCLOSURES
CLOSED-END CREDIT: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT FOUR POINTS FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms of Repayment. First mortgage real estate loans are available on both variable and fixed rate plans. Fixed rate loans are made only on terms up to 60 months, with the exception of extended term vehicle loans which may be made at fixed rates up to 72 months. All loan of terms longer than these will be made only at variable rates of interest. Long term fixed rate first mortgage loans are available through a program with the Federal Home Loan Bank. The Annual Percentage Rate. The Annual Percentage Rate for closed end credit loans are subject to change. At the currently published interest rates, the following repayment terms would apply: Variable Rate of 2.30% APR - 120 monthly payments of $9.34 per $1,000 borrowed. Interest Rate Changes. The rates contained herein are effective as of September 1, 2010, However, the rates and terms described in this disclosure concerning variable rate loans are subject to change at any time. FOUR POINTS FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER, AND EQUAL OPPORTUNITY LENDER AND COMPLIES WITH ALL REQUIREMENTS OF THE FEDERAL TRUTH IN LENDING ACT AND APPLICABLE REGULATIONS. ADDITIONAL DISCLOSURES REQUIRED BY LAW AND REGULATIONS MAY BE PROVIDED TO YOU AT VARIOUS TIMES DURING THE PROCESSING OF YOUR REQUEST AS REQUIRED BY LAW. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information. These rates are variable and are subject to change. Membership or Participation Fees. You must be a member of the Four Points Federal Credit Union to obtain a loan from Four Points Federal Credit Union. There is no membership or participation fee associated with that membership and no such fee is imposed for obtaining a loan |
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