ATDFCU
Loan Products and Services...
ATD
Federal Credit Union has loans for most all your needs!
New & used
cars & trucks, boats and RVs, even variable
rate second mortgages!
And to help you save for end-of-year expenses, ATDFCU
offers a Holiday Club
that rewards members with an exceptional rate of return!
Scroll down for an overview or take a look at
all the closed end loan types available!
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Automobile
Loans
Your
Credit Union Has SIZZLING DEALS on
Car Loans!
Take
advantage of really super low rates! And of course, when buying a new
car, you have 90 days in which to finance with ATDFCU!
Download your
loan application today!!
Call
the Credit Union (408-365-4444) to find out how you can take advantage
of manufactures financing promotions and still get the
low rates of a Credit Union vehicle loan!
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NEW
CAR RATES
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USED
CAR RATES
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| 6
Yrs |
4.50%
APR |
|
5
Yrs |
5.00%
APR (over 13K) |
| 5
Yrs |
4.00%
APR |
|
4
Yrs |
4.50%
APR (up to 13K) |
| 4
Yrs |
3.50%
APR |
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3
Yrs |
4.00%
APR (up to 13K) |
| 3
Yrs |
2.25%
APR |
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| Maximum |
Loan
Amount $60K |
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Maximum |
Loan
Amount $45K |
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Loan
rates |
effective
as of
Sept. 30th, 2011 |
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Don't
forget - when you buy a New Vehicle you now have 90 days from
the date of purchase to finance with ATDFCU at the New Vehicle Rate!
Call for details! And of course, read about "Negotiating
With the Car Dealer" for tips in purchasing a new
automoble!
2nd
Mortgages
 |
Make
your needs (and dreams!) a reality with our Variable
Rate Second Mortgage Loan
• 15
years to repay! • no points! • no fees!*
• no prepayment penalty! • $200k max!
3.25% Annual
Percentage Rate
Variable
rate good through March
31st, 2012
For more details ATDFCU's Variable rate 2nds, see the
Variable
Rate 2nd Mortgage Loan info
page!
*The
Credit Union will not charge
POINTS or LOAN FEES, however,
the member MUST PAY for an
appraisal on the property and
all title company costs.
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LOOK!! Low Low Rates!!
Our Regular Signature Loans can help with the bills, too!
• Maximum
Loan Amount $7,500.00
• 4 years 6.00% APR
• 3 years 5.00% APR
• 2 years 4.00% APR
NOTE:
Unsecured loans cannot exceed $7.500.00; Only one
Signature Loan per Account.
Download
a loan application NOW!
(220kb
Acrobat pdf)
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Need
Holiday Cash? Don't forget to sign up for a 2012
Holiday Club Account!
While
a Holiday Club Account will provide
extra funds for holidays, you may also use it to save
for taxes, vacations, insurance, tuition or any other
special need.
Deposits may be made in person or by mail, and soon, by Direct
Deposit.
The
period for opening an account is November 16th 2011
thru February 29th, 2012.
There is a maximum of $2,500 per month deposit. The APY/APR
for 2012 is .50%.
Note
that dividends are paid at maturity and withdrawals are
not allowed; should you close the account before maturity
no dividends will be paid.
Contact
the Credit Union for further details.
Checks
are distributed in mid-November.
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Loan
Rates and Terms
Closed
End Loans
|
|
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Rates
effective
Sept 30th, 2010
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Note:
Use Calculator below
for approximate unit cost of each type loan.
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ANNUAL
PERCENTAGE
RATE
|
MAXIMUM
LOAN
|
MAXIMUM
REPAYMENT
PERIOD
|
Unit
Cost/
$1000
|
|
Signature
(unsecured)
|
3.00%
5.00%
6.00%
|
$7,500
(2)
$7,500 (2)
$7,500 (2)
|
24 Months
36 Months
48 Months
|
see
calculator |
|
Share
Secured
(based on savings)
|
3.50%
|
Amount
in savings
$250,000 max (2)
|
Member's
Option
Up to 120 Months
|
see
calculator |
New
Cars
and
Trucks (1,4)
|
2.25%
3.50%
4.00%
4.50%
|
100%
of
Purchase Price
including
Tax and License
$60,000 max (2)
|
36
Months Max
48 Months Max
60 Months Max
72 Months Max
over $20,000
|
see
calculator |
Used
Cars
and
Trucks (1, 3)
|
|
100%
of high Blue Book not including options, mileage,
tax or license.
(Deductions for high mileage & negative options)
$45,000 max (2)
|
36
Months Max
up to $13,000
48 Months Max
up to $13,000
60 Months Max
over $13,000
depending on age and condition
|
|
New
Boats
and
Travel Trailers (1)
|
8.50%
|
90%
of purchase price including tax and license
$40,000 max (2)
|
60
Months
up to $20,000.
72 Months
over $20,001
|
see
calculator |
|
|
9.50%
|
90%
of low Blue Book based on equipment, options
and mileage,
not including tax or license.
Deductions for high mileage & negative options
$25,000 max (2)
|
$13,000
and less
48 months max
60
months
$13,001 to $25,000
depending on age and condition
|
see
calculator |
New
Motor Homes,
Self-contained
and
Recreational Vehicles (1)
|
8.50%
|
90%
of purchase price including tax and license
$80,000 max (2)
|
84
months max
|
see
calculator |
Used
Travel Trailers
and
Recreational Vehicles (1, 3)
|
9.50%
|
90%
of low Blue Book based on equipment, options
and mileage, not including tax or license.
Deductions for high mileage & negative options
$40,000 max (2)
|
$13,000
and less
48 months max
$13,001
to $25,000
60 months
depending on age and condition
|
see
calculator |
|
|
Call
for details
|
|
15
years
|
see
calculator |
|
|
Notes:
Co-signer may be required by Credit Union
(1) For pre-approved vehicle, RV and boat loans call ATD
Federal Credit Union
(2) Plus disability insurance available at the borrowers
option
(3) All used vehicles require an appraisal
(4) When buying a new vehicle. you now have 90 days from
the date of purchase to finance with ATDFCU at the New Vehcle
Rate.
This
program may be discontinued without prior notice by
ATDFCU.
For further information on loan policies, stop by the Credit
Union office or
call 408-365-4444
Loan rates and terms may be changed without notice.
To
talk to a Loan Specialist for more information, call
ATD Federal Credit Union
1-408-365-4444
7:30am
- 3:30pm M-Th PST
7:30am
- 1pm Fri PST
ATDFCU
does not use the Internet to collect any information
about it's members
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