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 October 1st to November 30th, 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 Fees:
Loan application fee: Loans: $5,000.00 and under: $40.00;
                                     Loans: $5,001.00 and over: $75.00.
Gap: $325 /if listed as Commercial: $525

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:
MOTORCYCLE LOANS:
rates as low as:
BOATS/RV LONS:
rates as low as:
2017-2016
2.74% A.P.R. for 60 Months
2.99% A.P.R. for 72 Months
($20,000 or over)
3.49% A.P.R. for 60 Mos.
3.75% A.P.R. for 72 Mos. ($20,000 or over)
4.49% A.P.R. for 60 Months
4.74% A.P.R. for 72 Mos. ($20,000 or over)
2015-2014   
2.99% A.P.R. for 60 Months
3.24% A.P.R. for 72 Months
($20,000 or over)
3.75% A.P.R. for 60 Mos. 4.75% A.P.R. for 60 Months
2013-2012
3.50% A.P.R. for 60 Months
4.50% A.P.R. for 60 Mos. 5.00% A.P.R. for 60 Months
2011-2010 
4.00% A.P.R. for 60 Months
5.00% A.P.R. for 60 Mos. 5.50% A.P.R. for 60 Mos.
2009-older 4.25% A.P.R. for a Max Term 42 Months.* 5.25% A.P.R. for 42 Mos. 6.00% A.P.R. for 42 Months
*If over $10,000 Max 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*:
5.00% A.P.R. Term: Up to 24 Months - Max amount $7,500.00 
6.75% A.P.R. Term: For 36 Months - Max amount $7,500.00
7.75% A.P.R. Term: For 48 Months - Max amount $7,500.00

*Term & Amount is based on Credit Score


HOME IMPROVEMENT LOANS:  rates as low as:
6.00% A.P.R. - For 48 Months Max Term - The Amount is up to $7,500.00 based on Credit Score

EQUITY LOANS:  rates as low as:
3.50% A.P.R. - 12 - 60 Months
4.50% A.P.R. - 61 - 120 Months
Fees: $497.00 for all*
If loan is over $45,000.00, fees can be higher.


Outside Tuition: rates as low as:
8.75% A.P.R. Max Term of 12 Months for up to $10,000*
*Amount is based on Score & Checks are made directly to the School.


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

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

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