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