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01/30/12 Record Low Vehicle Rates
In case you missed last month's newsletter, Four Points' interest rates on secured personal loans were substantially reduced on the first of January. The benchmark rate on a 60-month fixed-rate new or late model car loan is now just 3.30%. The 48-month rate is 3.20%, the 36-month is 3.10% and variable is 3.00%.
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01/30/12 Protect Against Costly Repairs
On the subject of used vehicles, it's important to look ahead at the potential for major repairs when the manufacturer warranty has run out. Even more minor repairs can run into big dollars. There is a lot of value in an extended service plan for a vehicle out of factory warranty.
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01/30/12 Used Car Values on the Rise
Is you are in the market for a late-model used car or truck, you will find the prices are a little higher this year and they are likely to continue on an upward track. Kelly Blue Book, a leading provider of new and used auto price information, predicts used vehicle prices will increase 5% during the first quarter of this year.
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12/29/11 Kick Those Risky Password Habits
Study after study finds that a majority of Americans are pretty lax when it comes to passwords for their online accounts, using overly simplistic passwords and using the same password for all of their accounts. Every login should be unique and use complex passwords. The task of managing multiple logins can be made both easy and secure with password management software.
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12/29/11 2012 Rate Outlook Is for More of the Same
The 2012 outlook for interest rates is either dismal or great depending on whether you are saving or borrowing. Most economists believe U.S. retail interest rates in 2012 will look much as they have in 2011.
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12/29/11 All Consumer Loan Rates Reduced
All credit union consumer loan rates have been reduced effective January 1, 2012. Loan rates for vehicles, boats, campers and other secured personal loans are reduced by 1.00% with a 60-month fixed rate at 3.30% before eligible discounts. Personal loan rates are reduced by 1.25%.
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11/26/11 Mortgage Loans: Consider the Cost of Origination
When you get a mortgage loan, the interest rate is going to be your primary concern. But when you shop for rate, it is important to also consider the other costs that can go with the origination of your loan.
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11/26/11 Car Loan Rate Discount Wraps Up in December
Members still have an opportunity to take advantage of a rate discount on credit union car loans through December. The 0.50% discount is available on all new-money car loan applications taken or loans closed during December. Take a look at the rate page and deduct a half percent from all of the regular vehicle loan rates.
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11/26/11 Credit Unions Gain from Big Bank Protest
What became known as "Bank Transfer Day" was triggered by a Bank of America announcement of a $5 monthly fee for debit card customers. One California consumer decided "enough is enough" and launched the campaign through social media to encourage consumers to switch their accounts from the big banks to credit unions or community banks. More than 650,000 consumers have moved their accounts to credit unions since the campaign began.
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10/29/11 Vehicle Loan Discount Continues Through December
The special discount on Four Points car loan rates continues through December. During this special, standard rates for all vehicle financing are discounted by 0.50%. Take a look at the rate schedule. On every vehicle rate you can take off a half percent. The discount is available on new-money loans and does not include refinances of existing Four Points balances.
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