Altra Logo
Online Services
  Loan Rates

Rates effective March 1, 2010, and subject to change.
Please call 800-755-0055 for information.



chrome carbook

Get the latest vehicle information!
• New and Used car pricing
• Search by make, model, and vehicle type
• Vehicle comparison and key features

Payment Calculator
How much vehicle can you afford?
Find out the highest monthly payment you can afford. The calculated amount includes taxes and documentation fee
s.
Payment Calculator chrome carbook
  Auto, Truck, and Motorcycle Loans
  NO PAYMENT FOR 90 DAYS - ASK FOR DETAILS
  Term
APR - 2006 or Newer
  36 months or less
As low as 3.99%
  48 months
As low as 3.99%
 
60 months
As low as 3.99%
  72 months
As low as 4.49%

Rates shown include 0.25% APR discount with automatic payment set up from an Altra account. Add 0.25% APR to rate for cash payment. Rate based on personal credit history, payment method, and vehicle information; subject to change. Loan terms available up to 72 months; term may be based on age and/or mileage of vehicle.


  Special Auto & Truck Loan Discounts
  NO PAYMENT FOR 90 DAYS - ASK FOR DETAILS
  First-time Auto Buyer Discount
Reduce your qualifying rate up to 2%*

As low as 3.99% (2006 and newer)
As low as 4.99%
(2005 and older)

  2nd Chance Refinance Discount
Reduce your qualifying rate up to 1%**
As low as 3.99%  (2006 and newer)
As low as 4.99%
(2005 and older)

*First-time Auto Buyer Discount available to qualified borrowers financing an auto or truck loan for the first time. Altra will reduce your qualifying rate by 2.00% APR (as low as 3.99% for '06 or newer models or as low as 4.99% for '05 and older models); subject to change. Loan terms available up to 72 months; term may be based on age of vehicle. Motorcycles and Leases do not qualify.

**2nd Chance Refinance Discount available to qualified borrowers refinancing an auto or truck loan at Altra from another financial institution or dealership. Altra may reduce your current rate by up to 1.00% APR (as low as 3.99% for '06 or newer models or as low as 4.99% for '05 and older models); rates subject to change. Loan terms available up to 72 months; term may be based on age and/or mileage of vehicle. Motorcycles and Leases do not qualify.



  Boat, RV , ATV, and Snowmobile
  NO PAYMENT FOR 90 DAYS - ASK FOR DETAILS
  Term
APR
  36 months or less
As low as 5.99%
  48 months
As low as 5.99%
 
60 months
As low as 5.99%
  72 months
As low as 6.49%


Rates shown for current model year include 0.25% APR discount with automatic payment set up from an Altra account; add 1.00% APR to rate for other model years. Add 0.25% APR to rate for cash payment. Rate based on personal credit history, payment method, and vehicle information; subject to change. Loan terms available up to 72 months. Fixed terms of 7-10 years available for an additional 1.00% APR; contact Altra for complete details. Term may be based on age and/or mileage of vehicle.



Mortgage
Visit our Online Mortgage Center or call 800-755-0055 for today's rates.

  Home Equity / 2nd Mortgage
Loan
APR
2nd Mortgage/Home Improvement
$35,000 or more*
As low as 4.49%
2nd Mortgage/Home Improvement
Less than $35,000
*
As low as 4.99%
10-year Fixed - Refinances only**
As low as 5.25%


* In Texas, 2nd Mortgage 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. Contact Altra for other Home Equity Loan options.

**Available in all states on owner-occupied and vacation homes. Member pays ALL closing costs. Amortizations up to 20 years available for an additional .50% - Amortizations over 10 years require 10 year balloon. 80% LTV includes optional cash out. Weekly, bi-weekly, semi-monthly or monthly payments available EXCEPT in Texas (monthly only).


  Home Equity Line of Credit (HELOC)

Loan Type
APR
Term
 
Interest-Only Payments
$75,000 limit or greater
As low as 4.00%
Ask for details
 
Interest-Only Payments
Less than $75,000 limit
As low as 4.00%
Ask for details

*Rate for credit lines below $75,000 adjusts monthly to a variable rate of as low as Prime Rate + 0, currently 4.00% APR; rate for credit lines of $75,000+ adjusts to rate as low as Prime minus 1, with a rate floor of 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.



  Personal Loan - Secured & Unsecured
Loan Type
APR
Type
$2,000 or more
As low as 7.99%
Fully/Partially Secured
 
$2,000 or more
As low as 8.99% Unsecured

  Personal Line of Credit
Loan Type
APR
Term
$2,000 or more
6.84%
Variable rate,
can change quarterly
Less than $2,000
10.84%


  Credit Card
Purchase/Cash Advance
APR
Term

Visa Platinum
10.90%
Any change to your rate requires 45 days notice and will only apply to new transactions

Visa Gold
12.90%

Visa Classic/Student
14.90%


Student Loans
Loan Type
APR
 

Unsubsidized Stafford
6.80%
 
Graduate Subsidized Stafford
6.80%
 
Undergraduate Subsidized Stafford
5.6%
 
Federal PLUS Loan
8.50%

 
 

 

 
Payment Calculator chrome carbook