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Loan Rates

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Greater Piedmont Credit Union   -  LOAN  RATES             (subject to change)             1-20-2015

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Signature Advances:                                            Rate:                                                       Approx. Term
$  250 -   500                11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR              12 month       
    501 - 1,000               11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR              24 month
 1,001 - 2,000               11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR             30 month
 2,001 - 3,500               11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR             36 month
 3,501 – 5,000              11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR             48 month
 5,001 – 7,500              11.95%APR / 12.95%APR / 13.95%APR / 15.95%APR             60 month

*Actual rate charged on loan will be based on guidelines in regards to Services Used Debt Ratio & Credit History  

Bill Consolidation Loan:     Maximum Loan $10,000.00          Rate: 14.95%APR

Vacation Loan:                     Maximum Loan $1,200.00            Rate: 12.00% APR          12 Months
& Back to School Loan                                                   

  MasterCard Charge Card                    12.96 APR     or     13.92% APR 

Checking Overdraft Line of Credit                     17.95% APR

Quick Loan & Quick Loan Plus                            17.95%APR

New Auto Advances:                                    3.95%APR   to   4.50%APR                        36 months
        $50,000.00                                             3.95%APR   to   4.75%APR                       48 months
or 100% of Purchase Price                              3.95%APR   to   4.75%APR                       60 months
  (excluding tax & tags)                                   4.50%APR   to   5.50%APR                       72 months
                                                                        5.00%APR   to   5.95%APR                        84 months

        $50,000.00                                             3.25%APR     to   4.25%APR                         36 months
or 90% of Purchase Price                                3.50%APR    to    4.50%APR                        48 months
                                                                     3.75%APR    to    4.75%APR                         60 months
                                                                     4.75%APR    to    4.95%APR                        72 months

Used Auto Advances:         
   1 - 2    Model Years Old                              4.25%APR   to    5.25%APR                         36 months
  $40,000.00  or  100% of Price                       4.50%APR   to    5.50%APR                        48 months
     not to exceed NADA retail                         4.50%APR   to   5.50%APR                         60 months
                                                                    4.75%APR    to   5.75%APR                        72 months

  3 – 4  Model Years Old                               4.95%APR   to   5.95%APR                          36 months
                                                                  5.25%APR   to   6.25%APR                          48 months
                                                                  5.50%APR   to   6.50%APR                          60 months
                                                                  5.75%APR   to   6.75%APR                          72 months

   5 - 6   Model Years Old                              7.50%APR   to     8.50%APR                        36 months
$30,000.00  or 100% of Price                        8.50%APR   to     9.50%APR                        48 months
  not to exceed NADA value                          9.50%APR    to   10.50%APR                        60 months

     Over 6 Model Years Old                         10.50%APR   to   11.50%APR                      36 months
 $25,000.00  or 100% of Price                      10.95%APR   to   11.95%APR                       48 months
     not to exceed NADA retail                      11.50%APR   to   12.50%APR                      60 months
           
     The APR Members qualify for will be based on how they fit into the loan approval guidelines. 
            By also having Checking or MasterCard with GPCU will allow for the lowest APRs               

Other Secured Advances:        ( R V s, Motorcycles, Boats, etc.)
                                  Model Year        New                   1 - 3                      4 & up              
   $   500  -    1,500                        10.95%APR      11.95%APR         12.95% APR           24 months
     1,501  -    5,000                        10.95%APR      11.95%APR         12.95% APR           36 months
     5,001  -  10,000                        10.95%APR      11.95%APR         12.95% APR           48 months
   10,001  -  12,500                        10.95%APR      11.95%APR         12.95% APR           60 months
   12,501  -  17,500                        10.95%APR      11.95%APR         12.95% APR           78 months
   17,501  -  25,000                        10.95%APR      11.95%APR         12.95% APR         120 months
   17,500  -  35,000                        10.95%APR      11.95%APR         12.95% APR         180 months

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