Current Loan Rates Effective May 22, 2013
Loyalty Plus loan discount
At White Sands Federal Credit Union, we value our members. We are truly grateful to those members who turn to us each time they need a loan. The Loyalty Plus program is designed especially with those members is mind. With this very special program, each time you are a repeat White Sands Federal Credit Union borrower, you will save .50% off the current rate of the loan.* It is just one more way to say "thank you" to our valued members.
Family and Friends loan discount
Our members are our best form of advertising. Thank-you, members! With that in mind, we will give a loan rate discount of .25% APR to anyone that you recommend to us. Tell your family and friends to visit White Sands FCU for their next loan, and they can take .25% off our already low regular loan rates. The only stipulation is it has to be someone that hasn’t borrowed from us before. (People who have borrowed from us before qualify for an even better discount - our Loyalty Plus discount of .50% APR).
* Loyalty Plus discount on mortgage loans is .125% APR
New Auto Loans
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| Current and prior year, less | up to 60 months | 2.50% | 2.00% |
| up to 66 months | 2.50% | 2.00% | |
| $25,000 and over | up to 72 months | 2.50% | 2.00% |
| $35,000 and over | up to 84 months | 3.00% | 2.50% |
APR: Annual Percentage Rate
Rates subject to change without notice.
Used Autos
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| less than 5 years old | up to 60 months | 3.25% | 2.75% |
| over 5 years old | up to 36 months | 3.25% | 2.75% |
APR: Annual Percentage Rate
Rates subject to change without notice.
Boats, Jet Skis & Motorcycles
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| New | up to 66 months | 7.40% | 6.90% |
| Used | up to 66 months | 7.90% | 7.40% |
APR: Annual Percentage Rate
Rates subject to change without notice.
New Recreational Vehicles
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| up to 84 months | 7.75% | 7.25% | |
| 85 - 120 months | 8.25% | 7.75% | |
| 121 - 144 months | 8.75% | 8.25% |
APR: Annual Percentage Rate
Rates subject to change without notice.
Used Recreational Vehicles
| Terms | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| up to 84 months | 8.25% | 7.75% | |
| 85 - 120 months | 8.75% | 8.25% | |
| 121- 144 months | 9.25% | 8.75% |
Personal Loans
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| Signature | up to 60 months | 9.90% | 9.40% |
| Line of Credit | revolving | 9.90% | 9.40% |
| 2% Refinancing | up to 60 months | 6.99% | N/A |
| Share Secured | varies | 2.00% above dividend rate | N/A |
| Share Certificate Secured | varies | 2.00% above dividend rate | N/A |
APR: Annual Percentage Rate
Rates subject to change without notice
Mobile Home Loans
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| up to 144 months | 12.00% | 11.50% |
APR: Annual Percentage Rate
Rates subject to change without notice.
Home Equity Loans
| Term | APR* - as low as | APR* - with Loyalty Plus | |
|---|---|---|---|
| up to 60 months | 6.50% | 6.375% | |
| 61 - 120 months | 7.00% | 6.875% | |
| 121 - 180 months | 7.75% | 7.625% |
APR: Annual Percentage Rate
Rates subject to change without notice.
