Park Community Federal Credit Union

Mortgage	Features	Term	APR
1st Mortgage	Click here to see the rates	--	--
2nd Mortgage/ Home Equity	LTV up to 80%. Please contact us for additional rates and terms.Click here to see the rates.	--	--

Models/Year

Conditions/Requirements^*

Term^*

APR^*

2012-11

--

Up to 48 months

49 - 60 months

61 - 72 months

73 -84 months

2.49%^*

2.74%^*

3.24%^*

4.24%^*

2010-09

--

Up to 48 months

49 - 60 months

61 - 72 months

2.99%^*

3.49%^*

4.24%^*

2008-07

--

Up to 48 months

49 - 60 months

61 - 72 months

3.49%^*

3.74%^*

4.74%^*

2006-05

--

Up to 48 months

49 - 60 months

4.24%^*

4.49%^*

2004-02

--

Up to 36 months

9.99%^*

* Annual Percentage Rates. Terms based upon vehicle age, mileage, & condition at loan officer's discretion. Rates accurate as of 1/9/2012 and subject to change without notice. Rates shown reflect .25% rate reduction for automatic transfer. Other terms and conditions may apply.

Loan Example: 24 month loan term equals 24 monthly payments of $44.55 per $1,000 borrowed.

Member will receive a discount on the Annual Percentage Rate (APR) with one of the following:
i. Discount of 0.25% on the APR if member elects to have loan payment set up on automatic transfer, payroll deduction, ACH or direct deposit.

ii. Discount of 0.50% on the APR if member elects credit life and credit disability insurance on loan and either opens a checking account with direct deposit or elects to have loan payment set up on automatic transfer, payroll deduction or direct deposit.

iii. Discount of 0.25% on the APR is automatically applied when financing through Dealer Direct.

The maximum discount a member may receive on his/her APR is 0.50%.

Models/Year

Features

Term

APR

2012-11

Up to 100% Retail Value

$2,500 - $10,000

$10,001 - $20,000

$20,001 and up

Up to 60 months

61 -120 months

121 - 180 months

5.99%^*

6.74%^*

6.99%^*

2010-08

Up to 100% Retail Value

$2,500 - $10,000

$10,001 - $20,000

$20,001 and up

Up to 60 months

61 -120 months

121 - 180 months

6.99%^*

7.74%^*

7.99%^*

2007-05

Up to 100% Retail Value

$2,500 - $10,000

$10,001 and up

Up to 60 months

61 -120 months

7.99%^*

8.74%^*

2004-02

Up to 80% Retail Value

Up to 36 months

9.99%^*

Models/Year

Features

Term

APR

2012-11

--

Up to 48 months

49 - 60 months

61 - 72 months

73 -84 months

2.99%^*

3.24%^*

3.74%^*

4.74%^*

2010-09

--

Up to 48 months

49 - 60 months

61 - 72 months

3.49%^*

3.99%^*

4.74%^*

2008-07

--

Up to 48 months

49 - 60 months

3.99%^*

4.24%^*

2006-05

--

Up to 48 months

4.74%^*

2004-02

--

Up to 36 months

9.99%^*

5 84 month term is for new, untitled units valued at $18,000 or greater.
6 66 month term is for 2008-2009 models only with less than 20,000 miles.

Member will receive a discount on the Annual Percentage Rate (APR) with one of the following:

i. Discount of 0.25% on the APR if member elects to have loan payment set up on automatic transfer, payroll deduction, ACH or direct deposit.

ii. Discount of 0.50% on the APR if member elects credit life and credit disability insurance on loan and either opens a checking account with direct deposit or elects to have loan payment set up on automatic transfer, payroll deduction or direct deposit.

The maximum discount a member may receive on his/her APR is 0.50%.

Unsecured

Features

Term

APR

Unsecured

11.24 -18.00%

Share-Secured

--

144 months

3.50%

CD-Secured

2.0% above the rate paid or 3.50%,
whichever is greater.

Rate Varies

Unsecured Line of Credit

11.24%

Credit Builder

12 months

11.24%-18.00%

Fresh Start

--

12 months

11.24%-18.00%

Others

Features

Term

APR

Horse Trailers

2011-2012

Under $10,000 (loan amount)

$10,000 and up (loan amount)

120 months

144 months

9.99%

10.99%

Rates are shown with a .25% discount for
automatic payments.

2005-2010

Under $10,000 (loan amount)

$10,000 and up (loan amount)

120 months

144 months

10.74%

11.74%

Rates are shown with a .25% discount for
automatic payments.

New GE Appliances

Up to 100% Purchase Price + Taxes

36 months

8.40%

Other Collateral &
Farm Machinery

--

36 months

9.99%