Consumer Loan Rates
Rates effective beginning April 20, 2010. APR = Annual Percentage Rate.
For New or Used Motor Homes, Travel Trailers, Camping Trailers, and Boats (Maximum used boat age to be financed 10 years)
Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.
Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.
| Term | Our Best Rates¹ | |
|---|---|---|
| APR | Estimated Monthly Payment per $1,000 |
|
| Up to 60 Months Minimum Loan Amount $5,000 |
6.85% | $19.73 |
| Up to 72 Months Minimum Loan Amount $15,000 |
8.10% | $17.58 |
| Up to 84 Months Minimum Loan Amount $15,000 |
8.35% | $15.76 |
| Up to 120 Months Minimum Loan Amount $25,000 |
8.35% | $12.32 |
For longer-term loans on New or Used Motor Homes, Travel Trailers, Camping Trailers, and Boats. Minimum boat size for Adjustable Rate loan is 25 feet, and maximum used boat age 10 years.
Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.
Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.
Terms – Rates and payments are fixed for the first three years, then can change once a year thereafter until the end of the term.
Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
Margin/Index – When the rate begins to adjust, the margin is the amount the rate is above the index rate. The index rate is the 52-week T-Bill yield.
| Term / Description | Our Best Rates¹ | |||
|---|---|---|---|---|
| APR | Initial / Annual / Life Rate Change Caps | Margin / Index | Estimated Monthly Payment per $1,000 | |
Adjustable-Rate Boat or RV Loan – from 5 to 7-year term
Minimum Loan Amount $75,000 |
6.60% | 2% / 2% / 6% | 6.00% / .49 | $14.90 |
Adjustable-Rate Boat or RV Loan – up to 10-year term
Minimum Loan Amount $25,000 |
6.60% | 2% / 2% / 6% | 6.00% / .49 | $11.41 |
Adjustable-Rate Boat or RV Loan – up to 15-year term
Minimum Loan Amount $50,000 |
6.60% | 2% / 2% / 6% | 6.00% / .49 | $8.77 |
Adjustable-Rate Boat or RV Loan – up to 20-year term Units with bathroom, kitchen, and sleeping area Minimum Loan Amount $75,000 |
6.60% | 2% / 2% / 6% | 6.00% / .49 | $7.51 |
¹ Rates are determined by your personal credit history, account relationship, and payment method. The minimun APR is 6.00%/
Qualified borrowers can finance up to 90% of the Blue Book or appraised value.
Terms – Rates and payments are fixed for the first three years, then can change once a year thereafter until the end of the term.
Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
Margin/Index – When the rate begins to adjust, the margin is the amount the rate is above the index rate. The index rate is the 52-week T-Bill yield.
| Term / Description | Our Best Rates¹ | |||
|---|---|---|---|---|
| APR | Initial / Annual / Life Rate Change Caps | Margin / Index | Estimated Monthly Payment per $1,000 | |
Adjustable-Rate Personal Aircraft Loan – up to 15-year term |
6.60% | 2% / 2% / 6% | 6.00% / .49 | $8.77 |
¹ Rates are determined by your personal credit history, account relationship, and payment method.
For new or used off-road motorcycles, snowmobiles, ATVs, Segway™ Human Transporters, and personal watercraft.
Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price, whichever is less.
Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price, whichever is less.
| Term | Our Best Rates¹ | |
|---|---|---|
| APR | Estimated Monthly Payment per $1,000 |
|
| Up to 36 months | 8.85% | $31.73 |
| Up to 48 months | 9.10% | $24.93 |
| Up to 60 months | 9.35% | $20.93 |
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Available for Mobility Scooters, and any product, device or building modification designed to assist individuals with a disability.
Qualified borrowers may finance up to 100% of the purchase price or retail book value.
Qualified borrowers may finance up to 100% of the purchase price or retail book value.
| Term | Our Best Rates¹ | |
|---|---|---|
| APR | Estimated Monthly Payment per $1,000 |
|
| Up to 36 Months | 8.85% | $31.73 |
| Up to 48 Months | 9.10% | $24.93 |
| Up to 60 Months | 9.35% | $20.93 |
| Up to 72 Months | 10.60% | $18.83 |
¹ Rates are determined by your personal credit history, account relationship, and payment method.
| Term | Our Best Rates¹ | |
|---|---|---|
| APR | Estimated Monthly Payment per $1,000 |
|
| Up to 60 Months Minimum Loan Amount $5,000 |
6.85% | $19.73 |
| Up to 72 Months Minimum Loan Amount $15,000 |
8.10% | $17.58 |
| Up to 84 Months Minimum Loan Amount $15,000 |
8.35% | $15.76 |
| Up to 120 Months Minimum Loan Amount $25,000 |
8.35% | $12.32 |
¹ Rates are determined by your personal credit history, account relationship, and payment method.
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Digital Federal Credit Union
220 Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 508.263.6700 • 800.328.8797 |
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© 2010. Digital Federal Credit Union