Loan Rates

LOAN RATES
ARE SUBJECT TO CHANGE WITHOUT NOTICE
REVIEWED: October 2020

Rate	Term	Special Conditions
New Auto Rates (5 Years & Newer)
3.25%	up to 48 months	NO MINIMUM
3.75%	up to 60 months	$10,000 MINIMUM
4.25%	up to 72 months	$15,000 MINIMUM
5.25%	up to 84 months	$30,000 MINIMUM

Used Auto Rates (6 Years & Older)
5.00%	up to 36 months	NO MINIMUM
5.50%	up to 48 months	NO MINIMUM
6.00%	up to 60 months	NO MINIMUM
6.50%	up to 72 months	$25,000 MINIMUM

New Boats/RV Rates (5 Years & Newer)
4.25%	up to 48 months	NO MINIMUM
4.75%	up to 60 months	NO MINIMUM
5.25%	up to 72 months	$15,000 MINIMUM
6.25%	up to 84 months	$30,000 MINIMUM

Used Boat/RV Rates (6 Years & Older)
6.00%	up to 36 months	NO MINIMUM
6.50%	up to 48 months	NO MINIMUM
7.00%	up to 60 months	$10,000 MINIMUM
7.50%	up to 72 months	$25,000 MINIMUM

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.

Type of Loan

Collateral Description

Rate

Amount Loaned

Share-backed

2.00%

All but $25 of member shares

Maximum Term

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

Household Goods

New Only - Must have model & serial numbers

10.00%

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

10.00%

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

Maximum Term

$1 - $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

3.25%
currently

50% of Tax Assestment
or 80% of 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.

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