Rates Effective as of November 01, 2008   SEE LOAN SPECIALS ON HOME PAGE!!!   Secured New Vehicle Loans  Application and Approval Are Required.  The dealer's sales contract or invoice must accompany your loan application. Loan may include taxes, tags, etc. Term 95% Financed 100% Financed Up to 60 months 4.75 % APR 4.99 % APR Secured Used Vehicle Loans  The dealer's sales contract or invoice must accompany your loan application. If from a private individual , the Credit Union must see the vehicle. Maximum amounts loaned will be the current NADA Retail Value. TERM  (months) YEAR OF VEHICLE RATE (apr) Up to 60 Vehicle 1-2 years 5.99% Up to 52 Vehicle 3-4 years 7.25% Up to 48 Vehicle 5-6 years 8.25% Up to 36 Vehicle 7 years or older 10.25% *apr = Annual Percentage Rate  Secured New and Used Recreational Vehicle Loans (boats, motorcycles etc..) The dealer's sales contract or invoice must accompany your loan application. TERM  (months) AMOUNT RATE (apr) New Up to 60 100% of the purchase price including taxes, tags etc 7.50% Months to fall under used vehicle terms 100% of appraisal or purchase price, including taxes, tags 9.50% (under 5 Years old) Months to fall under used vehicle terms 100% of appraisal or purchase price, including taxes, tags 12.50%  (over 5 Years old) Secured Tractor & Accessories Loans Age of Tractor/Acc. TERM  (months) AMOUNT RATE (apr) New to 5 years Up to 60 100% of appraised value 8.00% Over 5 years Up to 48 100% of appraised value 10.00%    Share Secured Loans These loans are fully secured by Credit Union shares (savings) owned by a member. TERM  (months) AMOUNT RATE (apr) New Up to 60 May borrow up to the full amount of shares (savings) 5.50% 50% Share Secured Loans These loans are 50% secured by Credit Union shares (savings) owned by a member, with a $4,000.00 unsecured maximum limit. TERM  (months) AMOUNT RATE (apr) Up to 60 May borrow up to the full amount of shares (savings) with a $4,000.00 unsecured maximum limit 8.00%   Share Certificate Secured Loans These loans are fully secured by Credit Union Share Certificates owned by the borrower. TERM  (months) AMOUNT RATE (apr) Up to 60 May borrow up to the full  amount of the share certificates Share Certificate rate plus 3.00% with a minimum rate of 6.00% Signature Loans TERM  (months) AMOUNT RATE (apr) Up to 24 Up to $4,000.00 13.50% Up to 36 Up to $4,000.00 14.50% First Mortgage Loans Hopewell Chemical FCU has partnered with Member Options Incorporated to offer our members a Fast Approval, Low Closing Cost Mortgage Loan. Purchase a primary residence, second home, investment home, or refinance for any reason. Construction loans are also available. Find the Member Options On-line Loan Application at www.memberoptions.com, or call (888) 578-4747. Second Mortgage Loans Hopewell Chemical FCU offers a closed-end second mortgage loan secured by a second lien against the owner-occupied property. This fast, minimal closing and recording fee loan also has a fixed rate. Our unique calculation for home value lets you get more money out of your home without an appraisal. For more information, please contact the loan department at (804) 452-2480.