Rates are subject to change at any time and are to be used as examples. Rates are not intended to be an offer. Effective date for rates shown is Oct. 01, 2013 For the most current rates, contact Country Heritage Credit Union at 269-695-2334.
| LOAN TYPE | CONDITIONS | TERMS | APR |
| New Cars | 10% Down Payment | 60 Months | 3.90% |
| 2015 & 2014 | NO PROCESSING FEES ON AUTO LOANS! | 48 Months | 3.90% |
| 36 Months | 3.75% | ||
| Used Cars | 85% of retail book or cost whichever is less. | ||
| NO PROCESSING FEES ON AUTO LOANS! | |||
| TERMS | APR | ||
| Year 2014-2013 | up to 54 Months | 4.15% | |
| 2012 | 48 Months | 4.50% | |
| 2011 | 30 Months | 4.80% | |
| 2010 | 30 Months | 4.90% | |
| 2008-2009 | 30 Months | 4.90% | |
| 2007-Older | 18 Months | 4.90% |
| LOAN TYPE | CONDITIONS | TERMS | APR |
| New 2012-2011 | 80% of value | 60 Months | 5.75% |
| Used 2009-2010 | 80% of value | 48 Months | 6.25% |
| Used 2006-2008 | 80% of value | 36 Months | 7.00% |
| Used 2004-2005 | 80% of value | 36 Months | 7.25% |
| LOAN TYPE | CONDITIONS | TERMS | APR |
| Unsecured | Loan limit $10,000.00 per member | 36 Months | 10.00% |
| LOAN TYPE | CONDITIONS | TERMS | APR |
| Share Account | Hold on Share Account | 12 Months | 2.00% over rate |
| Certificate of Deposit | Hold Certificate | C.D. Maturity | 2.00% over rate |
Country Heritage Credit Union offers Commercial Loans! Call our office at 269-695-2334 to speak to one of our friendly and knowledgeable loan representatives.
| LOAN TYPE | CONDITIONS | TERMS | APR AS LOW AS |
| First or Second Home | 5 acre maximum 80% loan to value | 7yr. balloon 30yr. Max. | 5.50% |
| First or Second Home | Unlimited acreage 80% loan to value | 7yr. balloon 30yr. Max. | 5.50% |
| Unimproved Land | unlimited acreage 70% loan to value | 7yr. balloon 15yr. Max | Prime Rate + 1.5% |
$250.00 APPLICATION FEE, PLUS ACTUAL CLOSING COSTS.
Effective: May, 2004 The Variable Rate Index shall be determined by the weekly average yield on U. S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of ten (10) days before the date of any annual percentage rate adjustment. The margin will be 3.50%. The index will be rounded up to the next 0.125%.
Interest rate change cycle will be quarterly.
Maximum Annual Percentage Rate: 15.00%.
Minimum Annual Percentage Rate: 4.50%.
Late Charges: $20.00 if payment is more than 14 days late.
APR = Annual Percentage Rate
