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Have we mentioned our competitive rates?
Auto loan rates as low as 2.99%1
HELOC Rates as low as 4.50% APR.2
HELOC Rates as low as 4.50% APR.2
Home Equity Line of Credit
From start to finish, we are here to help you get the home you deserve.
State Forty Eight
APR may range from 11.99% to 18.00%3
(APR based on applicants credit)
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APR = Annual Percentage Rate. This offer is subject to credit qualification, including verification of income, employment status, current debt obligations and other factors indicating your ability to repay the loan offered. Additional documentation will be required. Rates effective May 1, 2020 and subject to change without notice. Click here for membership eligibility.
1 For 2019 and newer vehicles that have never been titled. Term of up to 48 months; with an APR of 2.99%, and estimated monthly payment of $22.16 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 2.99%, and estimated monthly payment of $17.97 per $1,000 borrowed. Taxes and fees are not included. The rate may vary depending on each individuals’ credit history and underwriting factors. Loans through dealers do not qualify for promotional rate.
2 APR = Annual Percentage Rate. APR may range from 4.50% APR to 5.50% APR. Interest Rate is variable and based on the Prime Rate, as reported by the Wall Street Journal, plus an applicable margin. The margin is based on applicant’s Credit Score, Loan to Value, and Loan Amount. There is a Floor Rate of 4.50% and a cap of 18.00%. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
3 Please see the table below.
|INTEREST RATES AND INTEREST CHARGES|
|Annual Percentage Rate (APR) for Purchases||Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Cash Advances||Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|Penalty APR and When It Applies||18.00% - This APR may be applied to your account if:
If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.|
|Minimum Finance Charge||If you are charged interest, the charge will be no less than $1.00.|
|For Credit Card Tips from the Federal Reserve Board||To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.|
3% of the cash advance transaction (minimum $10.00)
1% of the US dollar amount of the foreign transaction
Late Payment Fee
Returned Item Charge
$25.00 or the amount of the returned item, whichever is less
Pay by Phone
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We reserve the right to amend the VISA© Credit Card Agreement as permitted by law.
Effective Date. The information about the costs of the card described in this disclosure is accurate as of May 1, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union