|
The rates posted on
the Heritage Trust site are current as of April 1, 2008.
Rates are subject to change without notice, and this
sheet does not serve as a guarantee of rates, fees,
or credit approval.
Consumer Loan Rates . Mortgage Rates . Deposit Rates
CONSUMER
LOAN RATES
|
New Vehicles - Cars, Vans and Trucks |
APR* |
Invoice
Finance
up to |
Approximate Number of Payments |
Minimum
Amount |
| 2008 - 2007 |
As low as 6.05%** |
130%*** |
Up to 66 months |
no minimum |
| 2008 - 2007 |
As low as 6.35%** |
130%*** |
67 - 75 months |
$12,500 minimum |
| 2008 - 2007 |
As low as 6.85%** |
115%*** |
76 - 84 months |
$25,000 minimum |
| |
|
|
|
|
| Used Vehicles - Cars, Vans and Trucks |
APR* |
Finance
up to
NADA
Trade-In |
Approximate Number of Payments |
Minimum
Amount |
| 2008 and older |
As low as 6.25%** |
130%*** |
Up to 66 months |
no minimum |
| 2008 and older |
As low as 6.6%** |
130%*** |
67 - 75 months |
$12,500 minimum |
| 2008 and older |
As low as 7.50%** |
115%*** |
76 - 84 months |
$25,000 minimum |
Motor Home
&
Campers/Trailers New |
APR* |
Invoice/
NADA
Trade-In
Finance
up to |
Approximate Number of Payments |
| Less than
$10,000 |
As low as 6.95%** |
120%*** |
up to 60 months |
| $10,000 to
$19,999 |
As low as 7.10%** |
120%*** |
up to 84 months |
| $20,000 to
$150,000 |
As low as 7.50%** |
110%*** |
up to 120 months |
| $50,000 to
$150,000 (Motor Home Only) |
As low as 7.75%**
|
100%***
|
up to 144 months
|
| |
Motor Home
&
Campers/Trailers Used
|
APR* |
Invoice/
NADA
Trade-In
Finance
up to |
Approximate Number of Payments |
| Less than
$10,000 |
As low as 7.15%** |
120%*** |
up to 60 months |
| $10,000 to
$19,999 |
As low as 7.25%** |
120%*** |
up to 84 months |
| $20,000 to
$150,000 |
As low as 7.50%** |
110%*** |
up to 120 months |
| $50,000 to
$150,000 (Motor Home Only) |
As low as 7.75%**
|
100%***
|
up to 144 months
|
| |
|
APR* |
Invoice/
NADA
Trade-In Finance
up to |
Approximate Number of Payments |
| Less than $7,000 |
As low as 6.75%** |
120%*** |
up to 60 months |
| $7,000 to $14,999 |
As low as 7.10%** |
120%*** |
up to 84 months |
| $15,000 to $49,999 |
As low as 7.20%** |
110%*** |
up to 120 months |
| $50,000 to $99,999 |
As low as 7.50%** |
100%*** |
up to 144 months |
| $100,000 to $200,000 |
As low as 7.75%** |
90%*** |
up to 180 months |
|
|
Watercraft
Used |
APR* |
Invoice/
NADA
Trade-In Finance
up to |
Approximate Number of Payments |
| Less than $7,000 |
As low as 7.15%** |
120%*** |
up to 60 months |
| $7,000 to $14,999 |
As low as 7.25%** |
120%*** |
up to 84 months |
| $15,000 to $49,999 |
As low as 7.35%** |
110%*** |
up to 120 months |
| $50,000 to $99,999 |
As low as 7.70%** |
100%*** |
up to 144 months |
| $100,000 to $200,000 |
As low as 7.95%** |
90%*** |
up to 180 months |
|
|
Motorcycles
New |
APR* |
Invoice/
NADA
Trade-In
Finance
up to |
Approximate Number of Payments |
| Less than $5,000 |
As low as 7.50%** |
120%*** |
36 months |
| $5,000 to $7,499 |
As low as 7.50%** |
120%*** |
48 months |
| $7,500 to $9,999 |
As low as 7.50%** |
110%*** |
60 months |
| $10,000 and above |
As low as 7.75%** |
100%*** |
72 months |
| |
Motorcycles
Used |
APR* |
Invoice/
NADA
Trade-In
Finance
up to |
Approximate Number of Payments |
| Less than $5,000 |
As low as 7.95%** |
120%*** |
36 months |
| $5,000 to $7,499 |
As low as 7.95%** |
120%*** |
48 months |
| $7,500 to $9,999 |
As low as 7.95%** |
110%*** |
60 months |
| $10,000 and above |
As low as 8.50%** |
100%*** |
72 months |
|
Recreational Loan
New Jet Ski/New ATV |
APR* |
Invoice/
NADA
Trade-In
Finance
up to |
Approximate Number of Payments |
| Less than $7,500 |
As low as 6.90%** |
120%*** |
Up to 48 months |
| $7,500 to $14,999 |
As low as 6.95%** |
120%*** |
60 months |
| $15,000 to $25,000 |
As low as 7.05%** |
110%*** |
72 months |
| |
Manufactured
Housing
Single wide with land only |
APR* |
Finance
up to |
Approximate Number of Payments |
New - Manufactured Home
|
7.00%** |
95% |
180 months &
up to $40,000 |
Used - Manufactured Home
|
7.25%** |
90% |
Not to exceed
7 years. |
| |
Manufactured
Housing
Double wide
with land only |
APR* |
Finance
up to |
Approximate Number of Payments |
New - Manufactured Home
|
6.85%** |
95% |
180 months &
up to $100,000 |
Used - Manufactured Home
|
7.25%** |
90% |
120 months & up to $75,000 |
| |
| Secured by Deposit
Accounts |
APR* |
Finance
up to |
Approximate Number of Payments |
| Share (Variable) |
Share Rate + 2.00%**** |
95% |
144 months |
| Certificate (Fixed) |
Certificate Rate + 2.00%***** |
95% |
60 months |
| |
|
|
|
| Personal Loan
|
APR* |
Finance
up to |
Approximate Number of Payments |
| Less than $500 |
As low as 11.95% ** |
N/A |
12 months |
| $500 to $699 |
As low as 11.95% ** |
N/A |
18 months |
| $700 to $1,199 |
As low as 11.95% ** |
N/A |
24 months |
| $1,200 to $3,499 |
As low as 11.95% ** |
N/A |
36 months |
| $3,500 to $15,000 |
As low as 11.95% ** |
N/A |
48 months |
|
|
Personal Line
of Credit****** |
APR* |
Finance
up to |
Approximate Number of Payments |
| Less than $3,500 |
As low as 11.95% ** |
N/A |
(not applicable) |
| $3,500 - $15,000 |
As low as 11.95% ** |
N/A |
(not applicable) |
| |
|
|
|
| Other Collateralized Loans |
APR* |
Finance
up to |
Approximate Number of Payments |
| Less than $7,500 |
As low as 9.95% ** |
N/A |
Up to 48 months |
| $7,500 - $14,999 |
As low as 10.25% ** |
N/A |
60 months |
| $15,000 - $25,000 |
As low as 10.75% ** |
N/A |
(not applicable) |
*APR = Annual Percentage Rate
** The "as low as" rates indicated
above are the lowest rates available to our members.
Your actual rate may be higher, depending on your credit
history or other factors.
***Maximum amount financed will
be based on credit scores, invoice price only for new
vehicles, and NADA Trade In price only for used vehicles.
**** Rates on a variable loan are
subject to change after consummation of the loan.
*****Up to 60 month amortization
with a final balloon payment due on the maturity date
of the certificate.
******Monthly payments will be
3% of the credit limit. No membership or participation
fee.
Loans are based on simple interest.
For example: a new car loan would be 48 monthly payments
of $23.08 per $1,000 borrowed.
Please call the Heritage Contact Center
at 843-832-2600 or 800-845-5550 for current rates.
HOME EQUITY LOAN
RATES
as of May 1, 2008
| Home
Equity Line of Credit |
Rates
as low as
|
Prime
Rate as of 5/01/08
|
| $5,000
- $300,000 |
Prime minus 0.75 %* |
5.00% |
|
|
| Second
Mortgage |
Rates
as low as |
Approximate Number of Payments |
| $5,000 - $300,000 |
5.75%** |
up to 60 months |
| $5,000 - $300,000 |
5.95%** |
61 - 120 months |
| $5,000 - $300,000 |
6.35%** |
121 - 180 months |
| |
Lot Loan/Unimproved Property |
Rates
as low as |
Approximate Number of Payments |
| $5,000 - $300,000 |
6.00%** |
up to 120 months
(based on 180 month amortization) |
|
Heritage Trust pays up to
$750 in closing costs
on HELOC
and 2nd Mortgages!
And you can borrow up to 95% of your home's equity!***
|
*Rates on the HELOC are as low as Prime minus 0.75% depending upon applicant's credit. These rates are variable and subject to change after consummation of the loan. The Annual Percentage Rate cannot go below 4.00% or exceed 18.00%. The maximum rate increase or decrease is 0.25% per month. An example of a HELOC payment - you borrow $10,000 then your payment is $150. Your payment is only 1.50% of the balance.
**APR on 2nd Mortgages is fixed for the term of the loan.
***Closing costs may range from $0-$1,500. We may approve up to 95% of the tax assessed value of the home.
Heritage Trust FCU's Home Equity Line of Credit and Second Mortgage are offered through Heritage Trust FCU. No membership fees apply unless you are not a member of Heritage Trust FCU and applying for a HELOC. Also there is no minimum, fixed, transaction, activity or similar fees charged.
Please call the Heritage Contact Center
at 843-832-2600 or 800-845-5550 for current rates.
MORTGAGE LOAN RATES
Contact our First Mortgage
Department for information on
specific programs, current rates,and pre-qualifications.
843-832-2707 or 843-832-2690
800-845-5550 ext: 2707 or 2690
|
| |
| Conventional
Fixed and Variable Rate |
|
FHA and VA |
CREDIT CARDS
as of October 1, 2007
| Type of Card |
APR |
| MasterCard Classic |
Call 800-845-5550
for rates. |
| VISA Classic |
Call 800-845-5550
for rates. |
| MasterCard Gold |
Call 800-845-5550
for rates. |
| Visa Gold |
Call 800-845-5550
for rates. |
| MasterCard Platinum |
Call 800-845-5550
for rates. |
| VISA Platinum |
Call 800-845-5550
for rates. |
Please call the Infistar at 1-877-875-8078 for current
rates.
This credit card offer is through special arrangement
with InfiBank, N.A. If an account is opened the lender
on the account will be InfiBank, N.A., Atlanta, GA.
You authorize InfiBank to request a consumer report
in connection when applying and request consumer reports
in the future to review or increase the credit line
of the account, to take collection action on the account
or for other legitimate purposes associated with the
account. Upon your request InfiBank will inform you
if a consumer report was requested and will provide
you the name and address of the consumer reporting agency
that furnished the report.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING
A NEW ACCOUNT:
To help the government fight the funding of terrorism
and money laundering activities, the USA Patriot Act
requires all financial institutions to obtain, verify,
ad record information that identifies each person (including
business entities) who opens an account.
What this means for you: When you open an account, we
will ask for your name, physical address, date of birth,
taxpayer identification number, and other information
that will allow is to identify you. We may also ask
to see your driver's license or other identifying documents.
We will let you know if additional information is required.
Rates are subject to change without
notice. Please call the Heritage Ccontact Center to obtain
current rates 843-832-2600 or 800-845-5550. |
