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Loan Rates & Terms
Effective May 15, 2010
New Automobile Loans
| |
36 Months - 59 Months |
60 months |
61 Months - 72 Months |
| $5,000 to $9,999 |
4.99% |
4.99% |
5.99%
|
| $10,000 + |
4.74% |
4.74% |
5.74% |
- Minimum Loan Amount $5,000
- 0% Down Payment
Used Automobile Loans
| 2009 - 2008 |
12 Months - 36 Months |
37 Months - 48 Months |
49 Months - 60 Months |
| $5,000 to $9,999 |
5.49% |
5.49% |
6.09%
|
| $10,000 + |
5.39% |
5.39% |
5.99% |
|
|
|
|
| 2007,2006,2005 |
12 Months - 36 Months |
37 Months - 48 Months |
49 Months - 60 Months |
| $5,000 to $9,999 |
5.84% |
6.04% |
N/A |
| $10,000 + |
5.74% |
5.84% |
N/A |
|
|
|
|
| 2004, 2003 |
12 Months - 36 Months |
37 Months - 48 Months |
49 Months - 60 Months |
| $5,000 to $9,999 |
7.99% |
N/A |
N/A |
| $10,000 + |
7.89% |
N/A |
N/A |
- Minimum Loan Amount $5,000
- 0% Down Payment
- Maximum Loan Amount is 100% NADA Retail Value
Home Equity Loans
| |
12 Months - 60 Months |
61 Months - 120 Months |
121 Months - 180 Months |
| $10,000-$19,999 |
5.49% |
5.74% |
6.49% |
| $20,000-$29,999 |
5.49% |
5.49% |
6.49% |
| $30,000 + |
5.49% |
5.49% |
6.49% |
- Add .25% for Vacation Homes
- Add .50% for Investment Properties
- Minimum Loan Amount $10,000
- Maximum Loan to Value is 80%
- No Closing Costs For Loans $15,000 +
- $225 Closing Costs For Loans Less Than $15,000
- $275 Closing Costs For Loans on Properties not Located in the Counties of Bucks, Chester, Delaware, Montgomery, Philadelphia, Camden, Gloucester and New Castle.
- Closing Costs not Waived for Refinancing Existing Sentry Home Equity Loans $20,000 or Greater Unless Amount Borrowed is $15,000 More Than Present Balance
- No Title Insurance Required for Loans Less Than $100,000
Home Equity Line of Credit
$10,000 + 3.25%
The HELOC rate is established using the Wall Street Journal Primerate on the last day of the prior month.
Personal Loans
| Unsecured |
12 Months - 60 Months |
$1,500 - $2,499
|
10.24%
|
$2,500 - $10,000 9.99%
- Minimum Loan Amount $1,500
| Automobile Secured |
12 Months - 36 Months |
| $2,500 - $10,000 |
10.24% |
- Minimum Loan Amount $2,500
- 0% Down Payment
- Maximum Loan Amount is 100% NADA Retail Value
| Home Secured |
60 Months – 180 Months |
| $2,500 - $10,000 |
N/A |
- Minimum Loan Amount $5,000
- Maximum Loan-to-Value 100%
- $200 Closing Costs
| Share Secured |
12 Months – 60 Months |
| $2,500 - $10,000 |
3.50% Over Share Rate |
- Minimum Loan Amount $1,500 Maximum Loan Amount $100,000
| Certificate Secured |
12 Months – 60 Months |
| $2,500 - $10,000 |
3.50% Over Certificate Rate |
- Minimum Loan Amount $1,500 - Maximum Loan Amount $100,000
| Line of Credit |
12 Months – 60 Months |
| $0 - $5,000 |
14.88% |
All rates quoted as Annual Percentage Rates (APR). Rates may change without notice and are subject to SentryFCU’s Tiered Loan Policy. Additional APR discount of .25% is taken if payments are automatically deducted from a Sentry FCU checking account.
