Loan Rates

Gabriels Community Credit Union offers the following Loan and Mortgage rates for our members.

Rates and terms are subject to change without notice. Rates determined by amount financed, loan term and credit history. The rates shown are for members with a good credit rating.

Loan Rates

Car, Trucks and Vans 2006 and NEWER
Effective Date: November 1, 2011
Term	Rate	Interest Rate	Minimum Balance	APR
Up to 36 Months	2.49%			2.49%
Up to 48 Months	2.75%			2.75%
Up to 60 Months	3.23%			3.23%
Up to 72 Months	3.74%			3.74%
Up to 84 Months	4.24%			4.24%

Car, Trucks and Vans 2005 and OLDER
Effective Date: November 1, 2011
Term	Rate
Up to 48 Months	7.50%

Motorcycles, Boat, Snowmobiles, Campers 2008-2011
Effective Date: November 1, 2011
Term	Rate
Up to 48 Months	8.00%
Up to 60 Months Up to $10,000.00	8.25%
Up to 84 Months $10,000.00 to $15,000.00	8.50%
Up to 120 Months $15,000.00 to $20,000.00	8.75%
Up to 144 Months $20,000.00 and over	9.00%

Collateral Older Than 2008 - Underwriting Discretion
Effective Date: November 1, 2011
Term	Rate
Up to 48 Months	8.90%

Personal Installment Loans
Effective Date: November 1, 2011
Term	Rate
Up to 36 Months	9.75%
Up to 48 Months	10.25%
Up to 60 Months	11.25%

Other Loans
Effective Date: August 15, 2011
Name	Rate
Revolving Line of Credit	15.00%
Overdraft Line of Credit Protection	18.00%
Share Secured Loans 24 Months or Less	6.00%
Share Secured Loans 36 Months or less	7.00%
VISA Classic (APR for Purchases)	13.90%
VISA Platinum (APR for Purchases)	8.90%
CD Secured Loans Your current CD rates plus 4.00%	Varies

Mortage Rates

Mortgage Loans

Home Equity Loans
Effective Date: November 1, 2011
Name	Rate
First Position on Mortgage Up to 80% of Equity on Appraised Value	3.25%
Second Position on Mortgage Up to 80% of Equity of Appraised Value	4.25%

First Mortgage
Effective Date: July 1, 2011
Fixed rate with Gabriels CU in first lien position
Term	Rate
30 Year	Call for Current Rate
20 Year	Call for Current Rate
15 Year	Call for Current Rate

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