Drive off in your dream car with a loan from Horizons FCU
It’s quick and easy to get the new or used vehicle you’ve had your eye on. Our competitive rates and terms make the monthly payments on your car affordable.
APR= Annual Percentage Rate. Rates based on credit worthiness and relationship discounts with Horizons FCU. Current Horizons loans are not eligible. See a member service specialist for complete details. Offer expires June 30, 2016.
| LOAN TYPE | Approx. Term | Non-Variable APR A+** | VARIABLE APR** | COMMENTS |
|---|---|---|---|---|
| Personal** Loan | up to 60 mos | 6.49% | n/a | $20,000 max. total (loans + Visa + LOC) |
| Home Advantage** Loan | up to 84 mos 85 to 120 mos | 7.49% 8.49% | n/a n/a | $15,000 max total; member pays all fees; 100% available equity |
| New Auto**Loan (Up to 115% Financing) | 60 mos 66 mos 75 mos 84 mos | 2.49% 2.69% 2.99% 3.69% | n/a n/a n/a n/a | Model year 2018-new |
| Used Auto**Loan (NADA + tax) | 60 mos 66 mos 72 mos. . | 3.49% 3.79% 3.99% | n/a n/a n/a | Model year 2013-2017 Model year 2013-2017 Model year 2017 only |
| up to 60 mos | 5.50% | n/a | Model year 2011-2012 | |
| New RV** Loan (108% Financing) (80% LTV Boats, $25,000 cap) | up to 84 mos 85 to 120 mos | 4.99% 5.99% | n/a n/a | Campers, ATVs, Motorcycles Cycles under $10,000-48mos Cycles over $10,000-72mos |
| Used RV** Loan (NADA + tax) | up to 60 mos 61 to 84 mos | 4.99% 4.99% | n/a n/a | Campers, ATVs, Motorcycles Cycles under $10,000-48mos Cycles over $10,000-60mos |
| Line of Credit (LOC) Overdraft Protection | Open End | 14.50% | n/a | $5,000 max. if joint checking, both sign LOC app |
| Savings Secured Loan | up to 120 mos | n/a | n/a | Current rate plus 4.00% |
| Certificate Secured Loan | up to 120 mos | n/a | varies | Current rate plus 4.00% |
| VISA PLATINUM Credit Card* | Revolving | 7.90% - 17.90% | n/a | Non-variable rate based on credit worthiness |
| First Mortgage** | Up to 30 years | Yes | n/a | Call for rates |
| Home Equity LOC | 15 years | 1.99% (1st 6 months) | Prime (80% LTV) | Fixed rate for 1st 6 months After 6 months, variable rate of Prime Application fee $199, refunded at closing |
| Home Equity LOC (Prime + .50%) | 15 years | 1.99% (1st 6 months) | Prime+.50% (90% LTV) | Fixed rate for 1st 6 months After 6 months, variable rate of Prime +.50% Application fee $199, refunded at closing |
| Home Equity LOC (Interest Only) | 15 years | 1.99% | Prime +0% | Up to 80% LTV Fixed rate for 1st 6 months After 6 months, variable rate of Prime + 0% Application fee $199, refunded at closing Interest-only payments first 10 years, repayment last 5 years |
| Fixed Rate, Closed End Home Equity Loan | Up to 60 mos 61 to 120 mos 121 to 180 mos | 3.50% 4.25% 4.75% | n/a n/a n/a | Some closing costs apply Up to 80% LTV |
| Second/Vacation Home** | 30 years | Yes | n/a | Call for rates |
