All
rates effective July 7, 2008, and subject
to change.
Please call 800-755-0055 for today's rates.
|
Auto,
Cycle, Boat, or RVs - New or Used
|
|
Loan
Term |
APR |
|
36 months or less |
As
low as 5.24% |
|
48 months |
As
low as 5.99% |
| |
60
months |
As
low as 6.24% |
|
72
months |
As
low as 6.74% |
Special |
First-time Auto Buyer |
5.99% regardless of model year or loan term* |
Special |
Refinance and reduce your rate by up to 1% APR
|
As low as 4.99%*** |
Rates
shown for 08', 07', '06, '05, or '04, model years
with automatic payment. Add .25% for cash payment.
Add 1.00% for '03 or older vehicles.
*First-time Auto Buyer Loan available to qualiified members financing their very first auto or truck loan ever, regardless of vehicle model year or loan term. Loan terms available up to 60 months; term may be based on age of the vehicle.
*** Auto Discount available 7-1-08 to 8-31-08 for new and used vehicle loans refinanced from another financial institution. Motorcycles and Leases do not qualify. Loans available to qualified members. Rates based on personal credit history, payment method, and vehicle information; subject to change. |
|
|
Loan
Type |
APR |
|
2nd Mortgage/Home Improvement
$35,000 or more* |
As
low as 5.49%
|
|
2nd Mortgage/Home Improvement
Less than $35,000* |
As
low as 5.99%
|
|
10 Year Fixed First Mortgage *** |
5.79% |
|
Contact Altra for other Home Equity Loan options
|
|
|
* In Texas, second mortgages are limited
to 80% of a home's available equity. Open-ended
credit, such as a Home Equity Line
of Credit, are currently not available in Texas.
***Rate subject to change. Closing costs will not exceed $250 except for loans in New York or Florida; please call for closing costs in those states. Weekly or bi-weekly payment option not available in Texas due to state law. Loans available to qualified borrowers refinancing a first mortgage on primary residence; max-imum 80% Loan-to-value includes optional cash out. Contact Altra for complete details. |
Home
Equity Line of Credit (HELOC)
|
|
Loan
Type |
APR |
Term |
| |
Interest-Only Payments
$75,000 limit or greater |
As
low as 3.79%
|
6 months
|
|
As
low as 4.09%
|
12 months |
| |
Interest-Only Payments
Less than $75,000 limit |
As
low as 4.49%
|
6 months
|
|
As
low as 4.99%
|
12 months
|
* Introductory fixed rate shown
is for loans with an LTV of <= 90%. At end of introductory
rate term, rate for credit lines below $75,000 adjusts
monthly to a variable rate of Prime Rate + 0, currently
5.00% APR; rate for credit lines of $75,000+ adjust
to Prime minus 1, currently, 4.00% APR. Rate will never
exceed 18% APR.
Closing costs vary by state and range from $55 to $250. HELOCs not currently available in Texas.
|
|
|
Loan
Type |
APR |
Term |
|
Up to $2,500 |
9.9% |
25 months |
|
*Offer valid 07-01-08 to 09-30-08. Up to $2,500 maximum for 25 month term at 9.9% APR (annual percentage rate). Automatic payment required; some restrictions apply. Contact Altra for details. |
|
|
Loan
Type |
APR |
Term |
|
$2,000 or more |
8.94% |
Variable
rate,
can change quarterly |
|
Less than $2,000 |
12.94% |
Variable
rate,
can change quarterly |
|
|
Card Type |
APR |
Term |
|
Visa Platinum
Purchases and Cash Advances |
9.90% |
Variable rate,
can change quarterly |
|
Visa Gold
Purchases and Cash Advances |
11.90% |
Variable rate,
can change quarterly |
|
Visa Classic
Purchases and Cash Advances |
13.90% |
Variable rate,
can change quarterly |
|
|
Loan
Type |
APR |
Term |
|
Unsubsidized Stafford |
6.80% |
Contact Altra's Student Loan Department at 800-755-0055 for complete information |
| |
Graduate Subsidized Stafford |
6.80% |
| |
Undergraduate Subsidized Stafford |
6.00% |
| |
Federal PLUS Loan |
8.50% |
|
|
|
|
Loan
Type |
APR |
Term |
|
Standard Computer Loan |
12.90%
APR |
$1,500 max. up to 3 yrs. |
|
Student Computer Loan |
6.90%
APR |
$1,500 max. up to 3 yrs. |
|
|
Discount available to members with a current or consolidated student loan through Altra. |
|
