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Northwest Missouri 26155 Stolls Country Lane E-mail: regional@asde.net |
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Your Savings Federally insured to $100,000 National Credit Union Administration, a U.S. Government Agency |
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For information or comments concerning e-mail Northwest Regional Credit Union Created: July,1998 |
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Attention: |
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Happy holidays to you and yours from the employees of your Credit Union! |
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*Vintage Auto's - 85% Market Value by 2007 NADA per Appropriate Vehicle Condition Scale. |
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Dividend Calculation: Current dividends will be figured based on a tier structure as follows: Dollars Rate APY $100 - $5,000 .50% .51% $5,001 - $20,000 .50% .51% $20,001 - $40,000 1.00% 1.01% $40,001 - $60,000 1.10% 1.11% $60,001 - $9,999,999 1.25% 1.26%
The above tier structure reflects the current dividend for each bracket payable on October 1, 2008. |
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Loan Account Type |
Allowable Term** |
Annual Percentage Rate** |
Base Rate |
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Shares Secured (60) |
60 months |
3% above last dividend paid |
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New Autos |
36 months |
4.99% to 13.49% |
5.99% |
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48 months |
5.49% to 13.99% |
6.49% |
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60 months |
5.99% to 14.49% |
6.99% |
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72 months |
6.49% to 14.99% |
7.49% |
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Used Autos, 2007-2005 (80) |
60 months |
5.99% to 14.49% |
6.99% |
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Used Autos, 2004 (80) |
48 months |
6.24% to 14.74% |
7.24% |
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----- loan over $10,000 |
54 months |
6.50% to 15.00% |
7.5% |
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Used Autos, 2003-2000 (80) |
36 months |
6.75% to 15.25% |
7.75% |
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----- loan over $10,000 |
42 months |
7.00% to 15.50% |
8.00% |
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Used Autos, 1999-1992 (80) |
42 months |
10.00% to 18.50% |
11.00% |
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Used Autos, 1991-1982 (80) |
30 months |
12.75% to 21.25% |
13.75% |
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Vintage Auto's (80) |
24-60 months |
5.99% to 14.49% |
6.99% |
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Other Secured (10) |
42 months |
9.75% to 18.25% |
10.75% |
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Signature Loan (up to $5000) (90) (A – E) |
42 months |
12.50% to 21.00% |
13.50% |
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Second Chance ($500 max) (90) |
12 months |
18.00% |
18.00% |
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Extended Checking (91) |
$30 payment |
12.50% to 21.00% |
13.50% |
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Unsecured, $500 to $1,000 (92) (A – C) |
12 months |
7.50% to 16.00% |
8.50% |
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Unsecured, $1500 to $3,000 (92) (A – C) |
18 months |
7.50% to 16.00% |
8.50% |
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Unsecured, $3500 to $5,000 (92) (A – C) |
24 months |
7.50% to 16.00% |
8.50% |
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Term Signature (max $5000) (90)
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6 months |
12.50% to 21.00% |
13.50% |
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New Motorcycles, ATV's, Snowmobiles, Personal Watercraft, Trailers (85% Financed of purchase price) (30) |
60 months |
6.75% to 15.25% |
7.75% |
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Used Motorcycles, ATV's Snowmobiles, Personal Watercraft, Trailers (2007-2000) (31) |
48 months |
7.75% to 16.25% |
8.75% |
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New RVs and Campers (85% Financed of purchase price) (40) |
72 months |
6.75% to 15.25% |
7.75% |
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----- loan over $20,000 |
120 months |
6.75% to 15.25% |
7.75% |
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Used RVs and Campers (85% Financed of purchase price) (41) |
72 months |
7.75% to 16.25% |
8.75% |
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----- loan over $20,000 |
120 months |
7.75% to 16.25% |
8.75% |
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New Boats (85% Financed of purchase price) (20) |
72 months |
6.75% to 15.25% |
7.75% |
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Used Boats (2007 - 1997) (21) |
60 months |
7.75% to 16.25% |
8.75% |
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Credit Score |
Paper Score |
Change from Base Rate |
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720 – 900 |
A + |
Subtract 1% from Base |
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670 – 719 |
A |
Subtract .5% from Base |
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630 – 669 |
B |
Base Rate |
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580 – 629 |
C |
Add 1.5 % to Base |
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530 – 579 |
D |
Add 3.5% to Base |
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001 – 529 |
E |
Add 7.5% to Base |