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Consumer Loan Rates

Vehicle Loans

 

Description Term APR Payment per $1000 borrowed
New and Used Autos, Trucks, and Vans up to 36 Months as low as {{ratesnum.14}}%1 $28.54
up to 48 Months as low as {{ratesnum.15}}%1 $21.59
up to 63 Months as low as {{ratesnum.16}}%1 $16.78
up to 75 Months as low as {{ratesnum.17}}%1 $14.58
up to 84 Months as low as {{ratesnum.18}}%1 $13.49
Other Collateral (New/Used)
Boat, Motorcycle, RV, Travel Trailer, ATV, and Jet Ski
up to 120 Months as low as {{ratesnum.19}}%2 $22.14
(based on
approx. 48
mo. term)
Other Personal Loans/Lines
(Includes but not limited to: Savings Secured Loans, CD Secured Loans and Personal Line of Credit.)
up to 60 Months as low as {{ratesnum.20}}%2 $22.59
(based on
approx. 48
mo. term)
Signature Loans Contact us at 1.888.AVADIAN (1.888.282.3426) for rates and terms.

Credit Cards

Description APR
Rewards {{ratesnum.21}}% - {{ratesnum.22}}%3
Secured {{ratesnum.23}}%

Home Equity Lines of Credit & Loans

Description APR
12-Month Introductory Fixed Rate - HELOC as low as {{ratesnum.24}}%4
24-Month Introductory Fixed Rate - HELOC as low as {{ratesnum.25}}%4
3-Year Fixed Rate - HELOC as low as {{ratesnum.26}}%4
   
Home Equity Loan - up to 60 Months as low as {{ratesnum.108}}%
Home Equity Loan - up to 84 Months as low as {{ratesnum.109}}%5
Home Equity Loan - up to 120 Months as low as {{ratesnum.110}}%5

 

Rates current as of 9/30/2019.
 

1 The APR (Annual Percentage Rate) applicable to your account is based on credit worthiness, loan amount, current mileage, and term of the loan.

2 Certain terms and loan amount restrictions apply based on collateral type. Minimum loan amount for terms 61-72 mos. is $15,000. Minimum loan amount for terms 73-84 mos. is $20,000. Minimum loan amount for terms greater than 85-120 mos. is $25,000. Minimum loan amount for terms greater than 120 mos is $30,000.

3 4.99% Introductory APR for the first 6 months after account is open or less than 6 months if your payment is late. After 6 months, the APR will convert based on credit worthiness. Full credit card disclosure given at application.

4 Rates based on loan-to-value and credit worthiness. After the 12-or 24-month introductory rate term or 3-year fixed-rate term, the Annual Percentage Rate (APR) will vary based on the Prime Rate plus applicable margin (as quoted in The Wall Street Journal) on the first day of the month. As of 9/30/2019, the Prime Rate was 5.00%. The amount of the margin will vary based on several factors, including your credit history and loan to value ratio and can range from Prime plus 0% to Prime plus 2.50%. Maximum lifetime rate on Home Equity Line of Credit is 15.00% APR. Ask us for the current index value, margin, and annual percentage rate. The closing costs will be waived with a minimum advance at closing of $10,000. (The $10,000 must be new money.) Depending on the credit limit, closing costs, and other fees are estimated to be between $300 and $500. For the 12-or24-month introductory fixed rate terms, if the Home Equity Line of Credit falls below $9,000 in the first 12 months (six months for the 36-month introductory fixed rate term), you will have to reimburse the amount of the closing cost paid on your behalf by the credit union. You must carry insurance on property that secures this plan.

To qualify for one of Avadian's introductory offers, any HELOC requests must be secured by a property that has not been currently or previously used as security by any of the current owners at Avadian. All rates and offers are subject to change without notice and cannot be combined with other special promotions.

Rates based on loan-to-value and credit worthiness. Minimum loan amount for terms greater than 84 months is $30,000.



The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

Equal Housing Logo Equal Housing Opportunity Lender. 
Copyright © 2019 Avadian Credit Union. All rights reserved.