Gratiot Community Credit Union || Rates

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		Loan Rates and Terms

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Car, Truck, Van, and Motorcycle Loan Rates (Road Legal)
YEAR	TERM	APR
New / Used 2007 - 2008	Up to 5 years (60 months)	5.50%
	6 Years (72 months)	5.50%
Used 2006	Up to 5 years (60 months)	5.50%
Used 2004 & 2005	Up to 5 years (60 months)	5.50%
Used 2003	Up to 4 years (48 months)	5.50%
Used 2002	Up to 4 years (48 months)	6.50%
Used 1999 - 2001	Up to 3 years (36 months)	6.50%
Used 1998*	24 months	6.50%

These are "A" Credit Scores. Rates adjusted based on score.
* Older vehicles may be considered at Loan Officer discretion if the loan value is worth the amount of the loan and the condition of the vehicle is excellent and the vehicle has average or below average mileage.

Recreational Item Loan Rates
AMOUNT	TERM	APR
$0 - $5,000	Up to 60 months	5.750%
$5,001 - $10,000	Up to 84 months	6.50%
$10,001 - $15,000	Up to 120 months	6.50%
$15,001 - $24,999	Up to 144 months	6.75%
$25,000 - UP	Up to 180 months	6.99%

These are "A" Credit Scores. Rates adjusted based on score.

Specialty Items
	TERM	APR
	Up to 2 Years	6.25%
	Up to 3 Years	6.75%
	Up to 4 Years	7.00%

Loan Specials
TERM	APR	SCORE
$1000.00 Up to One Year	7.25%	A
	8.25%	B
	9.25%	C
$2000.00 Up to Two Years	8.25%	A
	9.25%	B
	10.25%	C

Mortgages
	Gratiot Community Credit Union has partnered with Member First Mortgage to bring you great rates on mortgages. Visit their site at http://www.memberfirstmortgage.com/ for rates, calculators, and a host of other features to help you purchase your new home.

Home Equity Rates
	680 & Over	640-679	600-639	550-599	549 & Below
80% Home Equity
5 Year	6.250%	7.250%	8.250%	9.250%	10.250%
10 Year	6.750%	7.750%	8.750%	9.750%	10.750%
15 Year	5.500%	6.500%	7.500%	8.500%	9.500%
90% Home Equity
5 Year	7.250%	8.250%	9.250%	N/A	N/A
10 Year	7.750%	8.750%	9.750%	N/A	N/A
15 Year	7.750%	8.750%	9.750%	N/A	N/A
95% Home Equity
5 Year	8.250%	9.250%	N/A	N/A	N/A
10 Year	8.750%	9.750%	N/A	N/A	N/A
15 Year	8.750%	9.750%	N/A	N/A	N/A

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		Copyright © 2005 Gratiot Community Credit Union http://www.gratiotcu.org/ 211 West Center Street Alma, Michigan 48801 (989) 463-8321