Loans

 



    Fixed** w/Checking
& Direct
Deposit
Variable
APR*
Consumer Loans Term APR Fixed APR*Effective 1/01/06
Secured Autos 1 to 48 mo5.50-13.00%5.00-12.50%7.00%
 49 to 72 mo6.50-12.50% 6.00-11.50%7.25%
 73 to 84 mo8.00-9.05%7.50-9.00%7.50%
Boats/RVs1 to 48 mo7.50-17.00%7.00-16.50% 
 49 to 72 mo8.50-13.50%8.00-13.00 
 73 to 180 mo10.00-14.00%9.50-13.50% 
Signature Loan Up to 48 mo11.00-18.00%N/A---
Personal Line of Credit (PLC)Up to 60moN/AN/A11.00%
Computer LoanUp to 30 mo10.00%N/A 
*Variable Rates index 3 months Libor, adjusted according to
Section 8a & 16 of the Loan Agreement and Disclosure Statement.
    

    Fixed** w/Checking
& Direct
Deposit
Variable
APR*
Share Secured Loans Term APR Fixed APR*Effective10/01/05
Shared Secured (3% above current Share Rate)N/A  3.75%
Money Market Secured (3% above current M/M Rate)N/A  3.95%
CD Secured (3% above current CD dividend)

 Term &
Maximum
 FixedVariable
APR
 
Real Estate LoansLoan AmtLTVAPREffect. 10/1/05Margin
(401) Home Equity Line of CreditUp to 15 yrs80% 6.75%Prime+.50%
 $50,000    
(404) Home EquityUp to 15 yrs80%6.50-11.00%N/A 
 No limit    
First MortgageCall for rate

VISA Credit Card LoansFixed APRWith Active
Checking APR*
VISA Classic7.80-17.80%6.80-16.80%
VISA Gold7.80-11.80%6.80-10.80%
*** Call a Loan Officer for details.
*APR=Annual Percentage Rate
**Refinance with us and get .50% off our fixed rate auto/boat/RV loans when you sign up for checking with direct deposit. Existing EDCOM loans are not eligible for discount.
note: All loans subject to credit approval

Call us and we'll fax you a Master Loan Application. Once the application is completed, we keep your application on file for three years. Your loan requests may then be processed via phone, fax, mail or carrier pigeon. Our Master Loan Application does it all. Whatever your need may be--a vacation, auto, VISA or personal line of credit-it's easy! Give us a call at toll-free 1-800-247-7072 or 425-385-3888 for details.


Auto, Boat & RV


[car] You'll find better financing
rates at credit unions and EDCOM is no exception. Finance new & used cars and trucks up to 7 years with 100% financing including tax and license. Finance new & used boats up to 15 years. Maximum of 90% financing (depending on term & amount) including tax & license includes boats, travel trailers & folding camp trailers and/or 5th wheels. Maximum of 75% financing (depending on term & amount) excluding tax & license includes motorcycles, ATV's, snowmobiles/wet bikes and jet skis.


Personal Loans and Line of Credit

Personal loans offer the ease of a quick loan without the need for collateral. Finance a personal loan up to 4 years. Our popular PLC (Personal Line of Credit) offers up to a $10,000 line of credit with terms up to 5 years. A personal line of credit gives you the flexibility of convenient cash. Like a revolving door, your PLC is a revolving line of credit-as you pay the balance down, that credit becomes available to you again and again. Click here for
rates.


Home Equity/Home Improvement

[house]

Does your home need recarpeting, a new sundeck, or how about the new addition you've always dreamed of? EDCOM is here to provide you with the personal touch of home equity lending. Use for home projects, bill consolidation, or any major purchase! The Home Equity Line of Credit offers a 3 year draw period with renewal options available. Click here for rates.

 


Visa Credit Card

[Visa gold card] EDCOM's VISA cards offer new and lower
rates with an open and active checking account. Rates are as low as 6.80% and new Visa Cardholders will enjoy the same approved rates for both purchases and cash advances. With ScoreCard travel miles, for each dollar you spend with your EDCOM Visa Credit Card, you'll earn one point toward a bonus point reward program exclusively for EDCOM Visa Cardholders. Accumulate ScoreCard bonus points for travel or premium gifts EVERY time you make a purchase with your VISA Credit Card. (Cash advances not included.) Points may be applied to travel, such as an Airfare-Universal Ticket with fewer restrictions and no blackout dates, no limit travel options to a single carrier, luxury cruises and vacation get-aways. Non-travelers can earn points for premium quality merchandise, gift catalogs and gift certificates from names like Spiegel and Eddie Bauer.

EDCOM offers two types of VISA Cards--VISA Classic and VISA Gold. The VISA Classic offers credit lines up to $10,000. The VISA Gold Card has a lower interest rate than the Classic and offers credit lines up to $20,000. Use your VISA Gold Card for vacation, bill consolidation or home remodeling. Keep your EDCOM Checking active and receive a lower rate on your VISA Classic or Gold Card!

Use your Visa Credit Card as a cash management tool! Make all your monthly purchases with your Visa Card rather than writing several checks each month to pay for items such as retail, travel, food, entertainment and Internet purchases. At the end of your Visa statement cycle, you'll receive one bill and write only ONE check. It's that easy! Plus you'll earn ScoreCard points with every purchase.

You can now view your credit card account online. Make a visa payment and more at www.ezcardinfo.com.


First Mortgage

We offer competitively-priced first mortgage loans. Loans are 30 year conventional fixed with an 80% LTV. Other mortgage loans are available through our associated mortgage brokers. Features include minimum down, convertible ARMS, First Time Home Buyer Program, FNMA Desktop Underwriting, FNMA Rehab Loans, single closed construction loans, jumbo loans and buy downs & cash back also available. EDCOM also has a first mortgage referral service. This service offers over 50 different mortgage products to suit the need of EDCOM members. Same day mortgage decision and guaranteed closing of loan on time! Call toll-free 1-877-672-2286 to apply or get pre-approved today!


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