Personal
Secured Loans
Description
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Are you trying to build credit? Then a secured loan is for you. This type
of
loans
borrows against
funds in your share draft savings account or
certificate,
you can save. Rate and terms vary depending on the type of collateral
offered if accepted by the credit union.
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Personal Unsecured Loans
Description
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This loan can be used for a variety of reasons. From dream vacations,
home improvments, consolidating personal debt, college tutions and etc..,
this
is the type of loan for you.
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New and Used Vehicle Loans
Description
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Vehicle
loans take in to consideration all vehicles Cars, Boats, Trailers,
Airplanes,
Motorcycles or anything that uses gas. This loan is based on
the value of the vehicle using NADA,
or Kelly Blue Book values.
The
final rate will be determined by using our Risk Based Lending Policy.
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Visa Classic Credit
Card
Description
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No Annual fees
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No balance transfer fee
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Late fee is $20.00
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Visa Platinum Credit Card
Description
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No Annual fees
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No balance transfer fee
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Late fee is $20.00
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Home Equity Loans
Description
l When
it comes to your personal finances, Elgin City Employees Credit Union
knows
that you deserve the right solution. Please call the Credit Union for
details.
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| Fee # | Type of Fee | Charge | Effective Date |
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1
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Overdraft
on ATM
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$25.00
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1/2/2008
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2
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NSF
Returns on Items
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$25.00
|
1/2/2008
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3
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Courtesy
Pay Fee
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$30.00
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1/2/2008
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4
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Transfer
Fee over 4 per Month
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$5.00
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1/2/2008
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5
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Stop
Payment Fee
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$20.00
|
1/2/2008
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6
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Chargeback
Check Fee
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$20.00
|
1/2/2008
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7
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Duplicate
Visa or Debit Card
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$10.00
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1/2/2008
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8
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Over
5 Checks Withdrawls from Savings
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$5.00
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1/2/2008
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9
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Statement
Re-Print
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$2.00
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1/2/2008
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10
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Loan
Modification Fee
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$25.00
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1/2/2008
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11
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Subordination
Agreement - Home Equity
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$50.00
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1/2/2008
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12
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Re-finance
Fee on Home Equity Loans
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$500.00
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1/2/2008
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