North Georgia Credit Union

NGCU

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Untitled Document

Effective January 1, 2013. Rates subject to change.

Loan Type	Annual Percentage Rate*
New Autos - Up to 72 Months	2.75%
Used Autos - Up to 72 Months	2.75%
All Other Used Autos 7 - 10 Years Old - Up to 36 Months 10 Years Plus - Up to 24 Months	8.90%
Motor Homes 0 - 5 Years - Up to 60 Months 5 - 8 Years - Up to 48 Months	9.00%
Motorcycles/ATV's 0 - 5 Years - Up to 48 Months 5 - 8 Years - Up to 36 Months	9.00%
Boats/Watercraft 0 - 5 Years - Up to 48 Months 5 - 8 Years - Up to 36 Months	9.00%
Campers 0 - 5 Years - Up to 48 Months 5 - 8 Years - Up to 36 Months	9.00%
Machinery & Equipment 0 - 5 Years - Up to 48 Months 5 - 8 Years - Up to 36 Months	10.00%
Household Goods - Up to 48 Months	10.00%
Mobile Homes 0 - 5 Years - Up to 84 Months 5 - 8 Years - Up to 60 Months 8 Years Plus - Up to 48 Months	8.50%
Personal > $5,000.00 - Up to 48 Months < $5,000.00 Up to 36 Months	9.90%
Share Secured > $10,000.00 - Reasonable > $5,000.00 Up to 48 Months < $5,000.00 Up to 36 Months	rate on collateral plus 2% (min 6%)
First Mortgage - 30 Years - Fixed Rate with 5-year balloon**	5.00%
Second Mortgage - 15 Years - Fixed Rate with 5-year balloon**	7.00%
HELOC - 5 year draw period with a 15 year payment period - variable rate***	4.25%

*Actual Rate will be determined by credit score.
**Interest rate is fixed only for 5-year period.
***Variable rate moves in accordance with the Prime lending rate as published in the Wall Street Journal.
NGCU may be able to match or beat competitor's rates.