Sno Falls Credit Union

Loans

Mortgages

Sno Falls has partnered with Bob VanLiew, a mortgage banker for Premier Mortgage Resources, to provide a variety of home loan programs at competitive rates. Bob has over 20 years experience in the industry and has a vast knowledge of every possible type of home mortgage to fit our member's needs.

Visit www.bobvanliew.com for full product information.

Student Loans

The cost of a university, technical college, other specialized training can be overwhelming, Sno Falls Credit Union offers Federal Family Education Loan Program (FFELP) loans that can help you with the funding you need to pursue your dreams.

Read more about our Student Loans

Meet it or Beat it Auto Loan Promotion

Refinance

Sno Falls Credit Union will meet or beat your current rate by 2%, below what you are paying on a current loan contract with another institution, as low as 4.49% APR on 2004 or newer vehicles. Credit qualifications apply.

Dealer Purchase Auto Loan Promotion

Up to 84 months financing, as low as 4.49% APR, on 2004 or newer vehicles. Term depends on the loans amount and the year of the vehicle. Credit qualifications apply.

Autos

• Financing includes sales tax, license and SFCU Gap Insurance only.
• Used vehicle financing available up to 100% of NADA value.
• Terms up to 84 mos available, minimum balance required.*

New/Used Autos 2004 & newer 5.49% APR*
Used Autos older than 2004 6.99% - 8.49% APR

• * Must be $15,000 min for 72 mo term, must be $25,000 min for 84 mo term.

Boats & RVs

• Financing includes tax and licensing only
• Used Financing up to 90% of NADA value

New Boat & RV Rate 6.49% - 7.49% APR*
Used Boat & RV Rate 7.49% - 7.99% APR

• * 180 mo Loan term available, must be $25,000 or more

Motorcycles - (Street legal only)

• Financing includes tax and licensing only
• Used Financing up to 90% of NADA value
• Motorcycle financing up to 72 mo term depending on loan amount

New Motorcycle Rate 7.50% - 8.50% APR
Used Motorcycle Rate 8.75% - 9.25% APR

Share Secured Loans

• Max loan amount 100% of share acct less $25 membership shares
• Rate is 3.00% APR above Share Account's current dividend rate, as disclosed on your Share Account Agreement.
• Maximum loan term 60 mos

Share Secured Rate 3.25% APR

Home Equity Lines of Credit

• Line of Credit Loans have 5 yr draw period
• Up to 75% of appraised value, for 5yr fixed/variable
• Up to 80% of appraised value, for 1yr variable
• Owner occupied, single family residences only
• Variable Rates adjusted October 1st, based on 6 mo Treasury Bill
• 240 mo term available on loan amounts greater than $100,000.00
• 180 mo term available on loan amounts less than $100,000.00

5 yr Fixed/Variable 4.125% APR
1 yr Variable/Traditional 5.125% APR

VISA Classic

• Limit $500 - $10,000
• No Annual Fee
• Free Rewards Program
• 25 day grace period
• Same rate for Purchase, Cash Advances and Balance Transfers
• See VISA Credit Card Agreement for fees and terms.

Classic Rate 12.90% APR

VISA Platinum

• Limit $5000 - $20,000
• No Annual Fee
• Free Rewards Program
• 25 day grace period
• Same rate for Purchase, Cash Advances and Balance Transfers
• See VISA Credit Card Agreement for fees and terms.

Platinum Rate 9.90% APR

Signature/Personal & Partially Secured Loans

• Maximum 60 mo term

Rate 12.00% APR

Loan Rates and Terms Effective June 16th, 2009

Disclosures

• RATE CONDITION: If financing more than 100% of NADA Blue Book value, interest rate will revert to the Signature/Personal/Partially secured rate.If credit score is below 600 add 3% APR to consumer rates listed above (excludes HELOC share secured and Visa.)
• Minimum Monthly Payment: $25.00
• Late Charges for Consumer Loans ***: If payment is 7 days late you will be charged 20% of the interest due with a minimum of $15.00.
• Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
• Filing Fees: You will be charged a filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

Insurance Coverage Verification

Go to www.imcovered.com/snofalls to provide policy information or to verify your insurance status on a loan issued by Sno Falls Credit Union. You may also fax policy information to (800) 525-0565, attention Dept. 6899 or call (800) 237-5781 Ext. 6899 and talk to our insurance representative regarding coverage verification or policy requirements.

Acceptable insurance policy requirements

• Insured's Name and Address
• Vehicle Description and VIN
• $500 Maximum deductibles for both Comprehensive and Collision coverage
• Policy Number and Current Policy Period
• Sno Falls Credit Union listed as the Loss Payee

Note - Insurance ID cards are not acceptable as proof of insurance.

Sno Falls Credit Union Mailing Address

Sno Falls Credit Union
PO BOX 1978
Snoqualmie, WA 98065-1978

NADA Guides Vehicle Blue Book Value

Using NADA Guides you have easy access to the most respected and accurate vehicle pricing available on the market today. Using the links below, pick your category and find out what your vehicle, or the vehicle you are looking for, is really worth.

Used Cars - Classic Cars - Motorcycles - RVs - Marine

Payment Calculator

Use the payment calculator to get an idea of what your loan payments would look like. Fill in the first four fields and click the "Calculate" button.

Purchase Amount:

Down Payment:

Annual Interest Rate:

Number Of Years:

$

$

Total Number Of Payments

Monthly Payment Amount
$

Start Your Application Now

If you would like to start the application process immediately, you can mail or fax your loan application and verification of your income.

1. Choose an application type:

• For Home Equity LOC: Download the HELOC Packet form to your computer. **
• For Visa Credit (Classic/Platinum): Download the Visa Application form to your computer. **
• For all other Loans: Download the loan application form to your computer. **

2. Open the form using Adobe Acrobat.
3. Enter your information in to the form.
4. Print the form using your computer.
5. Sign the form where indicated.
6. Fax it to us or send it in the mail, with verification of your income. View our contact information to see our numbers and mailing address.

** This requires Adobe Acrobat. If you do not have it on your computer, download it now from Adobe's website for free.