STS. MARGARET AND GREGORY FEDERAL CREDIT UNION

1499 Dean Drive  * South Euclid, Ohio 44121-4092
Telephone: 216.691.0242 * Fax: 216.691.0435
Email: smgfcu@ameritech.net
Our Office Hours: Tuesday thru Thursday, 10 a.m. - 5 p.m.
Friday, 10 a.m. - 6 p.m.; Saturday, 9:30 a.m. - 3 p.m.
Closed Sunday and Monday
   
   
   
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Rates - Come Check Us Out!
Loan rates August 1st to August 31st, 2017
(216) 691-0242
 

IMPORTANT INFORMATION: Rates quoted include auto withdraw: if No auto withdrawal add 1/2% to loan rate. All rates are subject to change without notice and interest rates are based on Credit Bureau Score and Rating.

Loan application fee: Loans: $5,000.00 and under - $40.00;
                                     Loans: $5,001.00 and over - $75.00.

Tiers by Credit Scores:
A - 700+
B - 699 - 650 (plus 1% rate)
C - 649 - 601 (plus 3% rate)
D - 600 - below (plus 5% rate)

Personal Loan Limits per Tier:
A - $7,500.00
B - $5,000.00
C - $4,000.00
D - $2,500.00


AUTO/TRUCK LOANS:
Rates as low as:
MOTORCYCLES BOATS/RV
2017-2016
2.49% A.P.R. - 60 Months
2.24% A.P.R. - 60 Months
(with 20% down)
3.49% A.P.R. - 60 Mos.
3.24% A.P.R. - 60 Mos. 
(with 20% down)
4.49% A.P.R. - 60 Mos.
4.24% A.P.R. - 60 Mos. (with 20% down)
2017-2016  
2.74% A.P.R. - 72 Months
(must be $20,000.00 or over)
N/A N/A
2015-2014   
2.74% A.P.R. - 60 Months
3.75% A.P.R. -60 Mos. 4.75% A.P.R. - 60 Mos.
2.49% A.P.R. - 60 Months (with 20% Down) 3.50% A.P.R. - 60 Mos. (with 20% down) 4.50% A.P.R. - 60 Mos. (with 20% down)
2013-2012
3.75% A.P.R. - 60 Months
4.50% A.P.R. - 60 Mos. 5.00% A.P.R. - 60 Mos.
2011-2010 
4.00% A.P.R. - 48 Months
5.00% A.P.R. - 48 Mos. 5.50% A.P.R. - 48 Mos.
2009-older 4.25% A.P.R.  - MAX TERM 42 Months.* 5.25% A.P.R. - 42 Mos. 6.00% A.P.R. - 42 Mos.
*IF OVER $10,000 MAX OF TERM 48 MONTHS    
     

SHARED SECURED LOANS: rates as low as:
2.50% A.P.R. MAX TERM OF 60 MONTHS
3.00% A.P.R. MAX TERM OF 61-72 MONTHS


UNSECURED LOANS (Personal Loans): rates as low as:
$7,500.00 MAX AMOUNT 5.00% A.P.R. Term: Up to 24 MONTHS
$7,500.00 MAX AMOUNT 6.75% A.P.R. Term: 36 MONTHS
$7,500.00 MAX AMOUNT 7.75% A.P.R. Term: 48 MONTHS

*Amount is based on Credit Score


HOME IMPROVEMENT LOAN rates as low as:
The Amount is up to $7,500.00 based on Credit Scores - 6.00% A.P.R. Max Term 48 Months
Checks made directly to contractors

EQUITY LOAN as low as:
12 - 60 Months - 3.50% A.P.R.
61 - 120 Months - 4.50% A.P.R.
Fees: $497.00 for all*
Fees can be higher if loan is over $45,000.00
*Amount is based upon Score & Checks are made directly to the School


Outside Tuition K-12th
For up to $10,000 - 8.75% A.P.R. Max Term of 12 Months
*Amount is based on Score & Checks made directly to the School.


Rates quoted include Auto w/d --Add 1/2% to loan rates if no Auto - Withdraw....

SHARE DIVIDENDS            CURRENT RATES
From $100.00 - $2,499.99      0.10% A.P.R.   0.10% A.P.Y.
From $2,500.00 - $24,999.99  0.15% A.P.R.   0.15% A.P.Y.
From $25,000.00 and Over      0.20% A.P.R.   0.20% A.P.Y.

A.P.Y. is Annual Percentage Yield and A.P.R. is Annual Percentage Rate.


Now available:

  • Reloadable VISA Debit Cards
  • Home banking with Bill Pay

 

ALL RATES ARE SUBJECT TO CHANGE without notice and interest rates are based on Credit Bureau Score and Rating.

Upon loan approval minimum account balance required is $100.00 for the duration of the loan.

       

 

2017 Sts. Margaret and Gregory Federal Credit Union       Hosted by ohiobiz LLC