Age	Months	Rates as low as (APR)
New - Untitled & Less Than 7,500 mi.	up to 60	3.49%
New - Untitled & Less Than 7,500 mi.	up to 72	4.49%
Used - 2 yrs old	up to 72	4.99%
Used - 3 to 5 yrs old	up to 60	5.99%
Used - 6 to 7 yrs old	up to 48	6.49%
8 Years and Older  antique or classic	up to 36	6.99%

Do's and Don'ts - click here to see a quick video from our friends at brassMagazine

• Get Eaton Family Credit Union financing and rates at the dealer with Aimbridge Indirect Lending
  
• Go to www.aimbridgeconnect.com then choose Dealer List from Free Tools to find a participating dealer near you or contact us for more information
  

SIGNATURE / EDUCATION LOANS

VISA Credit Card Disclosures
Annual Percentage Rate for  Purchases, Balance Transfer & Cash Advances	9.90% Fixed APR-Secured* 13.90% Fixed APR-Classic 7.15% Variable APR-Platinum**
Variable Rate Information	Non-Applicable
Visa Rewards Program - Scorecard	Scorecard points are awarded on purchases using all card programs. Delinquent and over-the-credit-limit accounts are not eligible.
Balance Calculation Method	Average Daily Balance (Including new purchases)
How to avoid paying interest on purchases : 25-Day Grace Period.	On purchases, you have 25 days from the statement closing date to pay your balance in full before being charged a FINANCE CHARGE.  There is no grace period on cash advances.
Annual Fee	None
Minimum Finance Charge	None
Balance Transfer Fee	None
Transfer Fee for Purchases	None
Transfer Fee for Cash Advances	None
Cash Advance Fee	None
Late Payment Fee	$19
Card Replacement	$10.00 for 2nd card within 12 month
Return Check Fee	$25
* Secured with money on deposit at Eaton Family Credit Union ** Based on Prime + 3.9% APR The information about the costs of the card described here is accurate as of December 2009.  This information may have changed after that date.  To find out what changes may have occurred, write us at 333 Babbitt Rd., Suite 100, Euclid, Ohio, 44123. Lost or Stolen Visa call: 800-808-7230. If you get a call from our fraud department to verify recent transactions you can call us back at 800-437-9392. We will never ask for your personal information but will need to verify your account before we can confirm specific transactions. If you are not comfortable with anything in this process please call the credit union for help.

Click here for a Loan Application

Click here for CARD Act Information

We got a FIVE-STAR RATING at CreditCardConnection.org

 

ScoreCard VISA Rewards

Earn valuable Bonus Points for every net dollar you spend with Eaton Family Credit Union’s ScoreCard VISA Awards. Exchange your ScoreCard points for fabulous travel and brand-name merchandise. Get a Universal Ticket at 20,000 miles for travel within the 48 states. Click here for more information.

Share Secured Visa Card

Your Share Secured Visa Card allows you to purchase up to the amount of funds you have on deposit in a special interest-bearing savings account. The amount you pledge can only be withdrawn when your Visa balance is paid in full and your Share Secured Visa Card is closed. You will get a monthly bill detailing your charges. It is your decision how much to pay. Should you decide to pay your minimum balance you will be charged interest on the account balance.

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VISA GIFT CARD

Available in denominations from $25 to $1,000. Purchase at our office ($4.95 fee) or click here to purchase online ($5.95 fee up to $250 and $7.50 fee up to $500).

Do you have an Eaton Family Credit Union Visa card?
Get Visa Gift Card for NO additional charge (Card Value + $0 / card).

VERIFIED BY VISA AND MASTERCARD SECURECODE

Protect your Visa Credit Card and Debit MasterCard account against unauthorized use when you shop at participating merchants.

   

EZ CARD INFO

Access your account anytime, anywhere, 24 hours a day and 7 days a week.

Amount	Term	Rate	Fee
$250	30 days	18.00% APR	$35 annual

• You can count on Stretch Pay if you're short between paychecks. Unexpected Expenses? Hours Cut? Spouse Layoff?
• With a $35 annual fee you can get $250 a month at only 18.00% APR.
• Pay back the intitial $250 advance plus interest within 30 days an you can get another advance later on.
• Contact us or click here for a loan application (Note: Please do not apply via 24-Hour Loan Line or Online Loan Application).
• Qualifications

  1. Eaton Family CU member for at least 120 days.
  2. 18 years or older.
  3. Verifiable income.
  4. Not delinquent on existing loans.
  5. Not negative in any share account.
  6. Not in the process of filing for bankruptcy under any chapter of the bankruptcy code.
     

Lender	Loan Amount	Interest & Fees	Annual Percentage Rate (APR)	Term	Total Finance Charges
Sample Payday Lender	$500	$15 Fee per $100 borrowed for each 14-day term	391.07%	28 days	$150.00
StretchPay	$500	18% APR + $70 Annual Enrollment Fee	18.00%	30 days	$7.40
With StretchPay, you save (no including $70 enrollment fee)					$142.60

Privacy | Disclosure

COMPUTER LOANS

Rates are based on member's individual credit quality.

Click here for a loan application.

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SHARE SECURED & CERTIFICATE SECURED LOAN RATES
Share secured loan rate is 3% above the regular dividend rate.

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CERTIFICATE SECURED LOAN RATE
 2% above the rate of the certificate being used to secure the loan.

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Privacy | Disclosure

MORTGAGE LOANS

• Fixed Rate Mortgages are available for 10, 15, 20 and 30 year terms.
• Adjustable Rate, Balloon, FHA/VA and other types of mortgage loans are also available.
• Call Fred 216-920-2021 for mortgage questions or click here to send a note via email .

REVERSE MORTGAGE LOANS

• A reverse mortgage is a unique loan that enables senior homeowners to convert part of the equity in their homes into cash without having to sell the home, give up title, or take on a new monthly mortgage payment.
• Reverse mortgages are available to individuals 62 or older who own their own home.
• Click here for Qualification, Contact Information, Facts & Details and Benefits of Reverse Mortgage.
• Contact our Reverse Mortgage Consultant, Andrew G. Morean
  • call (440) 334-5269 Ext. 206 or click here to send a note via email.

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Home Loan Brochure

EQUITY LOANS

Use your home’s value to realize your dreams: Improve your home, consolidate debts or splurge on a special vacation.

Home Equity Line of Credit

Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term, currently 3.25% APR!*

• No Application Fee!
• No Closing Costs!
• No Annual Fee!

*Current rate as of 12/16/08. This is a variable rate line of credit. Members may borrow up to 100% of the value of their home, less their first mortgage balance. Members borrowing greater than 80% are subject to the current rate plus a margin. This is a Variable Rate Line of Credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 31 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling Visa Home Equity Line of Credit prior to the initial 5-year draw period wil pay the remaining unamortized closing costs. Ohio residents only. Subject to credit approval from each member's individual credit quality.

Fixed Rate Home Equity Loan*

Now available nationwide contact us for more information, apply via our 24-Hour Loan Line (888)754-2714 or online.

* This is a Fixed Rate Home Equity Loan. Currently as low as 4.25% APR. Current rate effective as of December 16, 2008 and is subject to change. Contact us for current rate. Loan is subject to credit approval based on each member's individual credit quality.

Click here for a loan application.

Click here for Truth In Lending Disclosure.

CALCULATOR

Click here for specialized calculators including:

My Budget Planner	Save A Million	Rework Budget	Entertainment Planner	Travel Calculator
Retirement	Credit Card	Loan	Gift Log	Holiday Spending
Auto Loan	College Saving	Mortgage	School Budgeting	Budgeting for Baby

Use this quick calculator to estimate monthly payments on consumer loans.

• Enter the total loan amount and interest rate.
• Your monthly loan payment(s) will be automatically calculated for periods of 1 year, 18 months, 2, 3, 4, and 5 years.

Note: This is not a credit guarantee. All loans are base on each individual member's credit quality.

Total Loan ($10,000 should be keyed as 10000):
Interest (8.5% should be keyed as 8.5):

 

Did You Know - One point is equal to 1% of the amount borrowed.  By paying a point a member in essence, is paying down the mortgage loan rate.