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Loan Rates

The following loan rates are stated as an Annual Percentage Rate (APR) and applied as simple interest on the unpaid balance. The following rate tables were last updated on April 1, 2014 and are subject to change without notice.

Loan Type
Period
Fixed Rate (Up To 100%)
Variable Rate**
New Vehicles
2014's & 2015's - Cars & Trucks
36 Months
1.99% APR*
1.59% APR
48 Months
2.49% APR*
1.59% APR
60 Months
2.49% APR*
1.59% APR
72 Months
2.79% APR*
1.79% APR
Up To 84 Months
3.29% APR*
1.79% APR
** Variable Rate Loans Must Be Greater Than $7500.00 In New Money.
*APR Is The Annual Percentage Rate.


Loan Type
Period
Up To 100% Retail
Variable Rate**
Used Vehicles
Cars & Trucks
36 Months
2.79% APR*
1.99% APR
48 Months
2.79% APR*
1.99% APR
60 Months
2.79% APR*
1.99% APR
72 Months
3.09% APR*
2.19% APR
Up To 84 Months
3.59% APR*
2.19% APR
** Variable Rate Loans Must Be Greater Than $7500.00 In New Money.
*APR Is The Annual Percentage Rate.


Loan Type
Variable
Margin
Current Index
Beacon Score
Home Equity Lines Of Credit
NO DISCOUNTS
Index: 11th District Cost of Funds
 
Premier: 4.50% (floor)
3.50%
0.667%
740 and higher
 
Preferred: 5.50% (floor)
3.50%
0.667%
700 - 739
 
Homeowner Plus: 6.50% (floor)
3.50%
0.667%
630 - 699
 
Homeowner: 7.25% (floor)
3.50%
0.667%
Less than 630
*APR Is The Annual Percentage Rate.


Loan Type
Period
Rate
Closing Costs
Real Estate Balloon Loans
Held In-House At 1st Gateway Credit Union
6 Year Balloon
3.95% APR*
$1000 - $1500
8 Year Balloon
4.20% APR*
$1000 - $1500
10 Year Balloon
4.60% APR*
$1000 - $1500
10 Year Loan with 10 Year Amortization
3.60% APR*
$1000 - $1500
*APR Is The Annual Percentage Rate.

   
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