Disclosures

*Disclosures are in the process of being updated to Cencap Federal Credit Union.

Electronic Fund Transfers Agreement and Disclosure (PDF)

Funds Availability Policy Disclosure (PDF)

Health Savings Account Disclosure (PDF)

Membership and Account Agreement (PDF)

Remote Deposit Capture Agreement and Disclosure (PDF)

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 Offer can be withdrawn at any time.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.