KIT Federal Credit Union

CURRENT LOAN RATES

   Automobile Loans
   Boats, RVs, Motorcycles and Other Vehicles
   Real Estate Loans
   Signature and Other Loans

KIT strives to offer the most competitive rates available. When making comparisons to other lenders, make sure there are no hidden costs. KIT's loans are "simple interest" loans, so you pay interest on your current balance and there are no prepayment fees.

If you are buying a vehicle, you should do the following steps:

1. Check out pricing for your purchase with Carfax or N.A.D.A. information services

to determine how much you want to spend.

2. Determine how much you are putting down on the vehicle, either by cash or through

your trade-in (see approximate value at N.A.D.A.) or both.

3. Determine the amount you need to borrow (Step 1 - Step 2).

4. Find the rate of your loan below.

5. Use the Loan Calculator to determine your approximate monthly payment.

Apply for your loan NOW!

Automobile, Trucks, and Boat Loans

Description

Approximate Repayment Period*

Annual Percentage Rate*

Sample Payment*

2008 Models

Up to 60 Months

5.99%

$196.87/mo.

Up to 72 Months

6.44%

$174.16/mo.

Up to 84 Months

7.94%

$170.24/mo.

2006-2008 Models

Up to 60 Months

5.99%

$198.05/mo.

2005-2003 Models

Up to 60 Months

8.39%

$209.58/mo.

2000-2002 Models

Up to 48 Months

9.24%

$254.89/mo.

1998-1999 Models

Up to 36 Months

10.39%

$329.36/mo.

1995-1997 Models
Amount Borrowed > $5,000

Up to 24 Months

12.39%

$338.96/mo.

1994 and Older Models
Amount Borrowed < $5,000

Up to 24 Months

12.89%

$341.38/mo.

*The above Annual Percentage Rates, Approximate Repayment Period, and Sample Payment represent the lowest rate and maximum repayment period offered for each specific described loan type. Your rate and term may be different and is based on your personal credit data. Sample payment based on a $10,000 loan amount.
Above payments do not include single coverage of Life and Disability Insurance.
Rates and terms are quoted for comparison purposes only, other restrictions may apply. Call a Loan Officer for a quote for your personal needs at 502.459.9286 or 888.459.9286.

RVs, Campers, ATV's, Jet Ski, and Other Secured Loans

Description

Approximate Repayment Period*

Annual Percentage Rate*

Sample Payment*

ALL TYPES

Up to 60 Months

9.00%

$207.63/mo.

*The above Annual Percentage Rates, Approximate Repayment Period, and Sample Payment represent the lowest rate and maximum repayment period offered for each specific described loan type. Your rate and term may be different and is based on your personal credit data. Sample payment based on a $10,000 loan amount.
Above payments do not include single coverage of Life and Disability Insurance.
Rates and terms are quoted for comparison purposes only, other restrictions may apply. Call a Loan Officer for a quote for your personal needs at 502.459.9286 or 888.459.9286.

Motorcycle Loans

Description

Approximate Repayment Period*

Annual Percentage Rate*

Sample Payment*

2008 Models

Up to 60 Months

9.90%

$217.49/mo.

2005-2007 Models

Up to 60 Months

12.90%

$227.09/mo.

*The above Annual Percentage Rates, Approximate Repayment Period, and Sample Payment represent the lowest rate and maximum repayment period offered for each specific described loan type. Your rate and term may be different and is based on your personal credit data. Sample payment based on a $10,000 loan amount.
Above payments do not include single coverage of Life and Disability Insurance.
Rates and terms are quoted for comparison purposes only, other restrictions may apply. Call a Loan Officer for a quote for your personal needs at 502.459.9286 or 888.459.9286.

Real Estate Loans
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Description

Approximate Repayment Period*

Annual Percentage Rate*

Sample Payment*

First Mortgage Purchase Money up to 30 year terms:

Click here for CU Channels.

First Mortgage Purchase Money or Refinance (no new funds) Loans:

Up to 20 Years Call for rate Call for Payment

First and Second Mortgage Non-Purchase Loans:

Up to 80% LTV 1 to 5 years 6.99% $198.00/mo.

81% up to 100% LTV 1 to 5 years 7.25% $199.24/mo.

Up to 80% LTV 6 to 10 years 7.99% $121.32/mo.

81% up to 100% LTV 6 to 10 years 8.49% $123.98/mo.

Up to 80% LTV 11 to 15 years 8.99% $101.42/mo.

81% up to 100% LTV 11 to 15 years 9.74% $105.93/mo.

Home Equity Line of Credit: **

Up to 50% LTV Up to 15 years Prime + 1% Minimum
Payment
$10.33
$1,000
Borrowed.

51% up to 80% LTV Up to 15 years Prime + 2%

81% up to 100% LTV Up to 15 years Prime + 4%

*The above Annual Percentage Rates, Approximate Repayment Period, and Sample Payment represent the lowest rate and maximum repayment period offered for each specific described loan type. Your rate and term may be different and is based on your personal credit data. Sample payment based on a $10,000 loan amount at the maximum term.
** 1st six months of home equity loans have an Annual Percentage Rate of 4.99%. Offer may be discontinued without notice. Call a Loan Officer for information.
LTV means Loan to Value - maximum percent of the value of the home KIT will lend you.
Rates and terms may change without notice.
Real Estate loans may have basic common fees attached (i.e., title search fee), however be sure to check with the KIT staff for current fees and any specials that may be offered.
Rates and terms are quoted for comparison purposes only, other restrictions may apply, call a Loan Officer for a quote for your personal needs at 502.459.9286 or 1.888.459.9286

Other Loans

Description

Approximate Repayment Period*

Annual Percentage Rate*

Sample Payment*

Signature:

Ready Cash Line of Credit

Up to 60 Months

9.90%

$212.04/mo.

Unsecured

Up to 60 Months

9.90%

$222.01/mo.

Savings Secured Loans:

100% Share Secured

Up to 60 Months

7.00%

$198.10/mo.

100% Share Certificate Secured

Up to 60 Months

Your Certificate Rate plus 2%

Varies based on rate and term

Visa® Credit Card:

Please click here for Important Disclosure & Application

Revolving

9.90%

3% of Balance

*The above Annual Percentage Rates, Approximate Repayment Period, and Sample Payment represent the lowest rate and maximum repayment period offered for each specific described loan type. Your rate and term may be different and is based on your personal credit data. Sample payment based on a $10,000 loan amount.
** To determine rate, take the annual percentage rate of your share certificate and add 2% with a minimum of 7%. Term must be equal to or less than share certificate term or: 1) the share certificate must be renewed and the loan rate may change based on the above calculation; or 2) the share certificate is redeemed and the loan is paid off.
Above payments do not include single coverage of Life and Disability Insurance.
Rates and terms are quoted for comparison purposes only, other restrictions may apply. Call a Loan Officer for a quote for your personal needs at 502.459.9286 or 888.459.9286.

Your savings federally insured to at least $100,000
and backed by the full faith and credit of the
United States Government.