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The Annual Percentage Rates presented are those extended to our most credit worthy borrowers. With the exception of the Share and Certificate Secured Loans, they also include a .50% discount for members in the Point Loma Relationship Plan. An additional .25% discount may also be obtained for vehicles purchased through the credit union's auto buying service. The final interest rate will be determined by your overall credit worthiness and participation in any Lighthouse Plan benefits. Please contact us at (888) 495-3400 to learn more about our auto buying service and to find out how you can qualify for Lighthouse Plan rate discounts.
All loans are subject to approval. Rates and terms effective 7/23/08
and are subject to change without notice. Other terms and conditions may
apply.
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| New Auto current model year & 1 year old with less than 3k miles |
4.99% |
66 months |
Maximum based on individually determined qualifications.
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120% of factory invoice plus tax, license, GAP and extended warranty. |
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Used Auto 5 yrs
& newer |
5.74% |
66 months |
Maximum based on individually determined qualifications.
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120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. |
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| Older Used Autos 6 yrs and older. *An auto appraisal performed by a state licensed appraiser may be required to validate value on a case-by-case basis. |
7.75% |
48 months |
Maximum based on individually determined qualifications.
|
100% of Kelley
Bluebook whole-
sale plus GAP and extended warranty. Cannot exceed 100K mileage. |
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| First Time Auto Buyer New, Used & Older
Used |
12.55%-15.90% |
Same as above
based on age of vehicle. |
Maximum based on individually determined qualifications.
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New: 100% of MSRP plus GAP and Service Contact
Used: Average Kelley (5yrs & Newer) Bluebook wholesale and retail (excludes tax & license)
Older Used: 100% of Kelley (6yrs & older) Bluebook wholesale only (excludes tax & license)
Interest Rate Reduction:
5% after 1 year of good repayment history. |
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| "Green" New Auto current model year & 1 year old with less than 3k miles |
4.74% |
66 months |
Maximum based on individually determined qualifications.
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120% of factory invoice plus tax, license, GAP and extended warranty. Must be a hybrid vehicle or achieve a minimum of EPA 32 miles per gallon (highway) to qualify for this loan program. |
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| "Green" Used Auto 5 yrs & newer |
5.49% |
66 months |
Maximum based on individually determined qualifications.
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120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. Must be a hybrid vehicle or achieve a minimum of EPA 32 miles per gallon (highway) to qualify for this loan program. |
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| Other Secured Motorcycles, Jet Skis etc. |
10.75% |
36 months |
Maximum based on individually determined qualifications.
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120% factory invoice plus tax and license for new units. 75% of Kelley Bluebook retail plus tax & license for units 5 yrs and newer. 75% of Kelley Bluebook wholesale plus tax & license for units older than 6 yrs. |
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| RV’s , Boats, & Travel Trailers New and Used Vehicles 3 yrs & newer |
7.50% |
180 months
(12 yr balloon loan option also available.*) |
$50,000.00 to $150,000.00 |
115% of wholesale dealer invoice plus dealer installed options, tax, license, and extended warranty. |
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7.98% |
180 months
(12 yr balloon loan option also available.*) |
$25,000.00 to $49,999.99 |
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8.48% |
120 months |
$5,000.00 to
$24,999.99 |
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RV’s, Boats & Travel Trailers 4 yr & 5 yr
old units |
7.75% |
180 months
(12 yr balloon loan option also available.*) |
$50,000.00 to $150,000.00 |
115% of Kelley
Bluebook wholesale
plus tax, license and
extended warranty. |
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| |
8.23% |
180 months
(12 yr balloon loan option also available.*) |
$25,000.00 to $49,999.99 |
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8.73% |
120 months |
$5,000.00 to
$24,999.99 |
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| Signature Loan |
11.50% |
48 months |
$50,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
May require controlled payoffs based on loan decision. |
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| "Green" Unsecured Loan |
10.49% |
48 months |
$50,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
May require controlled payoffs based on loan decision. |
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| Computer Loan |
7.49% |
36 Months |
$5,000.00 or 3 times gross monthly income
of primary applicant whichever is less. |
Minimum payment is
$50.00. Loan
proceeds are made payable directly to computer store. |
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| Book Loan |
6.49% |
12 Months |
$500.00 |
Proceeds for books
and educational
supplies. Must
provide proof of
current enrollment
in 9 or more units
of class instruction. |
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Overdraft Protection
Easy Line of Credit
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Prime + 5% Based on Wall Street Journal on the 20th of each month. Loan rate is adjusted on the final day of the month. |
Open – End |
$25,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
Minimum payment is $25.00 or 2.5% of outstanding balance, whichever is greater. |
| (A .50% discount will be applied for all Point Loma Relationship Plan members.) |
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| Share Secured Loan |
3.0% over dividend rate of account used
to secure loan. |
60 months |
100% of account value. |
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Certificate Secured
Loan |
3.0% over dividend rate used to secure loan.
|
Up to Certificate maturity date. |
100% of account value. |
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| Sharper Image Loan |
10.49% |
60 months |
$25,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
Loan proceeds paid directly to doctor's
office or medical facility. |
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* Monthly payments are calculated on a 20 year amortization with a balloon payment in the amount of the full remaining balance due at the end of the 12 year term.
- PLCU’s maximum unsecured loan limit is $50,000.00 per qualifying member. This includes all individual and joint unsecured credit combined.
- Lighthouse Payment Protection Solution (LHPP) is available on qualified individual and joint loans. Conditions and limits may apply.
- See our Account Agreement and Open-ended Loan Disclosures for more information on our PLCU loan products.
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