*Disclosures are in the process of being updated to Cencap Federal Credit Union.
Auto Loan Disclosure
*APR = Annual Percentage Rate. Rates determined by member’s credit score. Quoted rate is based on member having 730+ credit score, 36 month term, and auto-deduction of payment. Other great rates and terms available. Rates subject to change without notice. Offer does not apply to existing Cencap loans. Optional credit life/disability available at an additional cost. The monthly payment per $1,000 borrowed at 1.99% for 36 months is $28.64. $1,000 for 60 months at 2.49% is $17.75 and $1,000 at 72 months is $14.97. **Must meet eligibility requirements. Member must fund an approved car loan to be eligible for gas promotion. Ask a member representative or loan officer for full disclosure. Promotion ends April 30, 2017.
Vacation Loan Disclosure
*APR = Annual Percentage Rate. Effective April 1, 2017, an introductory rate of 1.74% for 10 months, $20,000 minimum loan amount. The monthly payment per $20,000 borrowed at 1.74% *APR (Annual Percentage Rate), is $28.60. This 1.74% rate is only available with a share draft account and automatic deduction. This loan is variable and will be based on prime rate as listed in the Wall Street Journal minus a margin of 1.01%. Minimum floor rate after 10 months is 4.00%. The maximum interest rate that can apply is 18.00%, not to exceed more than 2.00% change per year. If you made only the minimum monthly payment and took no other credit advance, you will make an additional 170 payments after the initial 10 months of $65.75, followed by 179 payments of $147.98 and one final payment of $146.57. This example is based on a payment with a rate of 4.00%. Rates are subject to change without notice. Offer can be withdrawn at any time. Other restrictions apply. Promotion ends June 30, 2017.