... helping members achieve financial success

Loan Terms & Rates Effective February 1, 2019

Loan Type Detail Term APR*
New Vehicle
(Up to 2 Years Old)
Up to 125% of MSRP with approved credit. Up to 60 mos. 2.99%
61 to 72 mos. 3.49%
73 to 84 mos. 3.99%

 

Used Vehicle Up to 125% of NADA Retail Value with approved credit. Up to 48 mos. 3.49%
49 to 60 mos. 3.99%
61 to 72 mos. 4.49%
   
New Motorcycle, and ATV Personal Watercraft Up to 110% of MSRP with approved credit. Up to 48 mos 3.49%
49 to 60 mos. 3.99%
61 to 72 mos. 4.99%
   
New Motorcycle, and ATV Personal Watercraft Up to 110% of NADA Retail Value with approved credit. Up to 48 mos. 3.99%
49 to 60 mos. 4.49%
 
New Farm/Garden Equipment Up to 110% of MSRP with approved credit Up to 48 mos. 3.49%
49 to 72 mos 3.99%
73 to 96 mos. 4.49%
97 to 120 mos. 5.99%
   
Used Farm/Garden Equipment Up to 110% of retail or appraised value with approved credit. Up to 36 mos. 4.29%
37 to 48 mos. 4.79%
49 to 60 mos. 5.29%
61 to 84 mos. 5.79%
   
New Boats, Travel Trailers, Motor Homes, Campers, RV's, Personal Watercraft Up to 110% of MSRP with approved credit. Up to 48 mos. 3.49%
49 to 72 mos. 3.99%
73 to 96 mos. 4.49%
97 to 120 mos. 4.99%
     
Used Boats, Travel Trailers, Motor Homes, Campers, RV's, Personal Watercraft Up to 110% of NADA Retail Value or appraised value with approved credit Up to 36 mos. 3.99%
37 to 48 mos. 4.49%
49 to 60 mos. 4.99%
61 to 84 mos. 5.49%
   
Personal Loan amount & maximum term subject to loan review. 60 mos. 7.99%
   
Share Secured Total of share balance 60 mos. 2.0% above share rate

Discounts Maximum loan discounts is 0.50% and final rate may not be less than floor rate of 2.99% 

   1.  Payroll/ACH/Auto Transfer Payment of Loan - 0.25 Discount
   2.  Gap Coverage - 0.15 Discount
   3.  Dent Multishield - 0.15 Discount
   4.  Vehicle Service Contract - 0.25 Discount
   5.  Active Checking Account - defined as 3 months' history with regular deposits and 10+ DC transactions per month. - 0.25 Discount


*APR is Annual Percentage Rate. Annual percentage rate reflects all available discounts. Discounts subject to change. Rates vary based on term, collateral and credit history. Some restrictions apply. Rates, terms and conditions are subject to change.

 

 

Germania Credit Union
PO Box 645
Brenham,TX 77834 - 0645
Phone (979) 830 - 7523 or Toll-free (877) 635 - 9405
Fax (979) 836 - 1691
gcu@germaniainsurance.com

 

 

 

The information contained in the Germania Credit Union Web Site is intended to summarize our products and services. It is not a complete disclosure of all terms and conditions. For complete information and disclosure, please contact Germania Credit Union directly. Germania Credit Union is federally insured by the National Credit Union Administration and regulated by the Credit Union Department of Texas.