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Loan Terms & Rates Effective April 1, 2008
| Loan Type |
Detail |
Term |
APR* |
New Vehicle
(Up to 2 Years Old) |
Up to 100% of MSRP with approved credit. |
Up to 36 mos |
4.70% to 10.55% |
| 37-48 mos |
4.95% to 10.80% |
| 49-60 mos
(over
$12,000) |
5.20% to 11.05% |
| 61-72 mos
(over
$26,000) |
5.80% to 6.90% |
|
|
|
| Used Vehicle |
Up to 100% of NADA Retail Value with approved credit. |
Up to 24 mos |
5.20% to 11.05% |
| 25-36 mos |
5.45% to 11.30% |
| 37-48 mos |
5.70% to 11.55% |
| 49-60 mos (over $12,000) |
5.95% to 11.80% |
| 61-72 mos (over $26,000) |
6.55% to 7.65% |
| |
|
|
| New Motorcycle, and ATV |
Up to 100% of MSRP with approved credit. |
Up to 36 mos |
4.70% to 10.55% |
| 37-48 mos |
4.95% to 10.80% |
| 49-60 mos
(over $12,000) |
5.20% to 11.05% |
(Motorcycle Only)
61-72 mos (over $26,000) |
5.80% to 6.90% |
| |
|
|
| Used Motorcycle, and ATV |
Up to 100% of NADA Retail Value with approved credit. |
Up to 24 mos |
5.20% to 11.05% |
| 25-36 mos |
5.45% to 11.30% |
| 37-48 mos |
5.70% to 11.55% |
(Motorcycle Only)
49-60 mos (over $12,000) |
5.95% to 6.05% |
| |
|
|
| New Farm/Garden Equipment |
Up to 100% of MSRP with approved credit |
Up to 36 mos |
4.70% to 10.55% |
| 37-48 mos |
4.95% to 10.80% |
| 49-60 mos
(over $12,000) |
5.20% to 11.05% |
| 61-72 mos
(over $26,000) |
5.80% to 6.90% |
| 73-84 mos
(over $35,000) |
6.40% to 7.50% |
| 85-96 mos
(over $50,000) |
7.15% to 7.25% |
| |
|
|
| Used Farm/Garden Equipment |
Up to 100% of retail or appraised value with approved credit. |
Up to 24 mos |
5.20% to 11.05% |
| 25-36 mos |
5.45% to 11.30% |
| 37-48 mos |
5.70% to 11.55% |
| 49-60 mos
(over $12,000) |
5.95% to 11.80% |
| 61-72 mos
(over $26,000) |
6.55% to 6.65% |
| |
|
|
| New Boats, Travel Trailers, Motor Homes, Campers, RV's, Personal Watercraft |
Up to 100% of MSRP with approved credit. |
Up to 36 mos |
4.70% to 10.55% |
| 37-48 mos |
4.95% to 10.80% |
| 49-60 mos
(over $12,000) |
5.20% to 11.05% |
| 61-72 mos
(over $26,000) |
5.80% to 6.90% |
| 73-84 mos
(over
$35,000) |
6.40% to 6.50% |
| |
|
|
|
| Used Boats, Travel Trailers, Motor Homes, Campers, RV's, Watercraft |
Up to 100% of NADA Retail Value or appraised value with approved credit |
Up to 24 mos |
5.20% to 11.05% |
| 25-36 mos |
5.45% to 11.30% |
| 37-48 mos |
5.70% to 11.55% |
| 49-60 mos
(over $12,000) |
5.95% to 11.80% |
| 61-72 mos
(over $26,000) |
6.55% to 6.65% |
| |
|
|
| Household Goods, Computers, Misc |
Up to 100% of purchase price (excluding tax) with approved credit. |
Up to 36 mos |
4.70% to 10.55% |
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|
|
| Signature |
Not to exceed $10,000. Maximum term determined by loan amount. |
Up to 36 mos |
7.95% to 17.95% |
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|
| Share Secured |
Total of share balance |
Up to 60 mos |
3.0% above share rate |
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*APR is Annual Percentage Rate. Applicants must qualify based on normal credit approval guidelines. Loan terms and rates subject to change without notice.
The Annual Percentage Rate you receive for the indicated loan type will be within the range disclosed and is based on your credit worthiness. Please ask the credit union loan department for a listing of criteria.
Germania Credit Union
PO Box 645
Brenham,TX 77834 - 0645
Phone (979) 836 - 5224 or
Toll-free (800) 392 - 2202
Fax (979) 836 - 1691
gcu@germaniainsurance.com
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