** RATES * RATES * RATES * RATES **

*** July 2017***

Vehicle Rates

Year

Rate

Term

Special Conditions

New/current (2016-2017)

2.99%

up to 72 months

untitled or titled less than 4 months

New/current (2016-2017)

3.49%

72 months

titled greater than 4 months

1 yr old/$16,500 or more (2016)

2.99%

60 months

 

1 yr old/$16,500 or more (2016)

3.49%

72 months

 

1 yr old/less than $16,500 (2016)

2.99%

48 months

 

2 yr old/$16,500 or more (2015)

2.99%

60 months

 

2 yr old/$16,500 or more (2015)

3.49%

72 months

 

2 yr old/less than $16,500 (2015)

2.99%

48 months

 

3 yr old/$16,500 or more (2014)

3.99%

48 months

 

3 yr old/$16,500 or more (2014)

4.49%

60 months

 

3 yr old/less than $16,500 (2014)

3.99%

48 months

 

4 & 5 yr old/$16,500 or more (2012 -2013)

3.99%

48 months

 

4 & 5 yr old/$16,500 or more          (2012-2013)

4.49%

60 months

 

4 & 5 yr old/$3,000-$16,499 (2012-2013)

3.99%

48 months

 

Older than 5 yrs - (2011 and older)

4.99%

48 months

effective 01/01/17


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Share Secured Loans                            2.49% APR

Signature Loans                                  11.00% APR
Flex Loans (Line of Credit)                 11.00% APR
Master Card (credit card)                     9.90% APR
Other Collateral                                     8.00% APR
Household Goods                                  8.00% APR
Home Equity 
Variable - Currently         4.00% APR

To refinance existing loan for rate change only - new money of $500.00 minimum required.
All rates subject to change at the discretion of the Board of Directors.
For further information regarding terms & conditions, contact 
District One Highway Credit Union.

 

LOAN INFORMATION
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE
EFFECTIVE JANUARY 2017

Type of Loan

Collateral
Description

Rate

Amount
Loaned

Maximum 
Term

Share-backed




 

Shares





 

2.49%



 

 All but $25 of member  shares




 

$         1- $ 1,000      24 Mo
$  1,001- $ 2,000      36 Mo
$  2,001- $ 5,000      48 Mo
$  5,001-$10,000      60 Mo
$10,000-$15,000      84 Mo
Over $15,000          120 Mo
Single Payment Loans 12 Months

Household Goods

New Only - Must 
have model &
serial numbers

 8.00%

95% of purchase 
price up to $3,500

36 months (No less than
$15/month) 

Other Collateral 


(ATV-title)
(Not Household items)

Other, NOT live-
stock, furniture or 
household goods 

 8.00%

80% of appraised 
Value (used) or sale
price (new)

$       0 - $   500      6 mo.
$   501 - $1,000    12 mo
$1,001 - $1,500    18 mo.
$1,501 - $2,000     24 mo.
$2,001 - $2,500     30 mo.
$2,501 - $3,000     36 mo.
$3,001 - $3,500     42 mo.
$3,501 - $4,000     54 mo.
Over $4,500           60 mo.

Home Equity Loan

Deed or Trust 
required

   4.00%
currently

50% of Tax     or       80% of
Assestment     **      Appraisal

10 year draw period 
15 repayment

Signature

Unsecured 

 11.0%

$10,000 maximum* - 651 & above
$5,000 maximum* - 650 & below  
 

60 months 

Flexiloan

 

 11.0%

$10,000 max* -  
Credit Score of            651 & above

$ 5,000 max* -   
Credit Score of            650 & below 

Balance                               
After Advance  --- Payment
$     0  -   500           $20.00
$ 501 - 1,000          $25.00
$1,001-1,500          $37.50
$1,501-2,000          $50.00
$2,001-2,500          $62.50
$2,501-3,000          $75.00
$3,001-3,500          $87.50
$3,501-4,000        $100.00
$4,001-4,500        $112.50
$4,501-5,000        $125.00
$5,001-5,500        $137.50
$5,501-6,000        $150.00
$6,001-6,500        $162.50
$6,501-7,000        $175.00
$7,001-7,500        $187.50
$7,501-8,000        $200.00
$8,001-8,500        $212.50
$8,501-9,000        $225.00
$9,001-9,500        $237.50
$9,501-10,000      $250.00

 

   *Member cannot borrow more than combination of $5K or $10K on signature and flexiloan.
    $20 / month minimum payment - $12.50 per month per $500 advance or
    fraction thereof, calculated after each advance.