HAMPTON V. A.
FEDERAL CREDIT UNION ADDENDUM
P. O. BOX 37
HAMPTON, VA 23669
757-723-8842
Addendum
Date: 07-21-2010
This Addendum is incorporated into and becomes a part of your LOANLINERŪ Credit Agreement.
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P. O. BOX 37 HAMPTON, VA 23669 757-723-8842 This Addendum is incorporated into and becomes a part of your LOANLINERŪ Credit Agreement. |
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Loan Account Description |
Term Used to Calculate Payment/New Money |
Daily Periodic Rate |
Annual Percentage Rate (APR) |
Open End Disclosure | ||||||
| Personal Loans: |
varies /<$2000 36 months / $20001 48 months / $20001 60 months / $20002 |
0.046301% 0.032603% 0.035342% 0.038356%
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16.90% 11.90% 12.90% 14.00% |
How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your account agreement for more details. Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your account Agreement. | ||||||
| 1Minimum new money that must be borrowed to receive rate. 260 month financing only available on loans totaling $10,000 or more. | ||||||||||
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Vehicle
Loans
2010 Model Years |
36 months |
0.012329% |
4.50% |
All loans are subject to cross collateralization. A late fee of 5% of the payment amount will be charged if your loan payment is received 10 days after the scheduled due date. | ||||||
| 48 months |
0.012329% |
4.50% |
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| 60 months3 |
0.012329% |
4.50% |
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| Vehicle loans require at least $5,000 new money borrowed to receive advertised rate. | ||||||||||
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2009 Model Years |
36 months |
0.012329% |
4.50% |
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| 48 months |
0.012329% |
4.50% | ||||||||
| 60 months3 |
0.012329% |
4.50% | ||||||||
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2008 Model Years |
36 months |
0.013014% |
4.75% |
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees. | ||||||
| 48 months |
0.013700% |
5.00% | ||||||||
| 60 months3 |
0.015068% |
5.50% | ||||||||
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2007 Model Years |
36 months |
0.015068% |
5.50% |
Ask about new Guaranteed Asset Protection Coverage | ||||||
| 48 months |
0.016438% |
6.00% |
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| 60 months4 |
0.017123% |
6.25% |
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2006 Model Years |
36 months |
0.016438% |
6.00% |
3Add .50% to the rate and choose 72 month financing when you buy GAP. | ||||||
| 48 months |
0.017808% |
6.50% |
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| 60 months4 |
0.018493% |
6.75% |
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| 2005 Model Years | 36 months |
0.017808% |
6.50% |
460 month financing available on loan amounts of $30,000 or more with the purchase of GAP insurance. | ||||||
| 48 months |
0.019178% |
7.00% | ||||||||
| 2004 Model Year | 36 months |
0.019863% |
7.25% |
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| 42 months |
0.021233% |
7.75% | ||||||||
| 2003 Model Years | 36 months |
0.021918% |
8.00% |
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| 42 months |
0.023973% |
8.75% | ||||||||
| HALF 'n HALF Loans | all
terms |
0.023288% |
8.50% |
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| Pre-approved Credit Lines |
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