|
CONSUMER LOAN RATES
as of June 4, 2008
|
New Vehicles - Cars,
Vans and Trucks |
APR* |
Invoice Finance
up to
|
Approximate Number of Payments |
Minimum
Amount |
| 2008 - 2007 |
As low as 5.90%** |
130%*** |
Up to 66 months
|
no minimum
|
| 2008 - 2007 |
As low as 6.20%** |
130%*** |
67 - 75 months |
$12,500 minimum |
| 2008 - 2007 |
As low as 6.70%** |
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 or older |
As low as 6.10%** |
130%*** |
Up to 66 months
|
no minimum |
| 2008 or older |
As low as 6.45%** |
130%*** |
67 - 75 months |
$12,500 minimum |
| 2008 or older |
As low as 7.35%** |
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 |
| New Watercraft
|
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 180months |
Used Watercraft
|
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%** |
100%*** |
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 |
Recreation Loans 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) |
| Other Collateralized Loan |
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 to $14,999 |
As low as 10.25% ** |
N/A |
60 months |
| $15,000 to $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.
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 June 4, 2008
| Home
Equity Line of Credit |
Rates as low as
|
Prime
Rate as of 5/01/08
|
| $5,000 to $300,000 |
Prime minus 0.75 %* |
5.00% |
|
|
| Second Mortgage |
Rates as low as |
Approximate Number of Payments |
| $5,000 to $300,000 |
5.75%** |
Up to 60 months |
| $5,000 to $300,000 |
5.95%** |
61 - 120 months |
| $5,000 to $300,000 |
6.35%** |
121 - 180 months |
Lot Loan /
Unimproved Porperty |
Rates as low as
|
Approximate Number of Payments |
| $5,000 to $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't 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%. Maximum rate
increase or decrease of .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 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
845-845-5550 ext: 2707 or 2690
|
|
|
|
Conventional
Fixed and Variable Rate
|
FHA
|
VA
|
CREDIT CARDS
as of June 4, 2008
Please call the Heritage CContact Center at
843-832-2600 or 800-845-5550 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.
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