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Debt Consolidation – Break Free

Debt Consolidation – Break Free

Break Free From Debt During Our Fall Debt Consolidation Promotion!

Which Loan is Best for Your Consolidation Needs?

Personal Loan Rates

APR* Info and/or Terms
As low as 5.74%* Term: 72 Months Limit 20% of Gross Income not to exceed $10,000.00

*This rate includes the .25% discount with Auto Pay.

Home Equity Adjustable Rates

APR* Info and/or Terms
As low as 2.99%* Introductory Rate Term: Up to 20 Years
Regular Rate = Prime Rate Up to 80% Financing

Full Appraisal Required by the Credit Union

The special introductory rate is in effect until December 31, 2019. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate 5.00%, The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details.

Home Equity Fixed Rates

APR* Info and/or Terms
As low as 3.74%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 4.74%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 5.74%* Term: Up to 5 Years
$75,000.00 Maximum Loan Amount or 80% LTV

Drive By Appraisal Required By Credit Union

$24,000.00 Maximum for Drive By Appraisal

*This rate includes the .25% discount with Auto Pay.
As low as 4.74%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

*This rate includes the .25% discount with Auto Pay.

VISA Credit Card Rates

APR* Info and/or Terms
VISA Platinum -As low as 8.90%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 2.99% for six billing cycles.
VISA Classic - As low as 13.50%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 2.99% for six billing cycles.

New Vehicle & Motorcycles Rates

APR* Info and/or Terms
Rates as low as 4.14%* With terms up to 84 Months
110% Financing on Vehicles
80% Recreational Vehicles

*This rate includes the .25% discount for Auto Pay.

Plus, earn up to $100 Cash Back! ($10 per thousand for every debt consolidated from another financial institution. New money only)

*APR=Annual Percentage Rate. Rate shown are for qualified borrowers and are subject to change without notice. Rate shown for the Home Equity Fixed, Auto, Personal Rate includes a .25% discount for auto deduct from a Choice One share or share draft account. Rates shown for HELOC is a special introductory rate and in effect until December 31, 2019. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum Rate is 18.00%. Minimum Rate is 5.00%. Minimum monthly payment $100.00. The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Borrow up to 80% of the current market value of your home, less any outstanding liens. Contact your credit union loan officer or visit http://www.choiceone.org for complete details and current rates. Contact your tax advisor regarding the possible deductibility of interest.
**APR=Annual Percentage Rate. 2.99% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer. Rate returns to current rate at that time. Choice One’s current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No-Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 2.99% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for.
***No Closing Cost Promotion applies to first lien only. Closing costs will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees. The Borrower agrees to reimburse the Lender the actual amount of bona fide third party fees paid on the Borrower’s behalf, as permitted by applicable law, if the loan is paid off within twenty four (24) months after consummation.

Personal Loan Payment Sample

Loan: $1,000.00

Rate: 8.74% (based on 710 credit score or higher & .25% discount for auto pay)

Term: 60 months with a $20.64 monthly payment

Interest Paid: $238.03

Application Fee: $5.00

Total Cost: $1,243.03

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