Sarasota Municipal Employees Credit Union

www.smecu.org 

 

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SMECU VISA

One of the things about traveling the USA is that there's no passport required. Well, while you don't need a passport - you do need a VISA! NO annual fee, NO cash advance fee, a rate of just 10.9% APR, and a full 25-day grace period on all your purchases.

 
 
 
 
 

Loan Rates

As of December 1, 2008
Call or Email for more information

Automobiles - New & Used

 Months*** APR
New Autos up to 72

As low as 4.75%*
Used Autos up to 60

As low as 4.75%*

Home Equity 

 Months*** APR
Line of Credit
Min. $10,000 - Max. $50,000		 Varies As low as Prime*
2nd Mortgage up to 15 years As low as 6.25%*

Other Loans

 Months*** APR
New Motorcycles up to 72

As low as 6.75%*
Used Motorcycles up to 60 As low as 6.75%*
New Boats  up to 120 As low as 7.75%*
Used Boats  up to 120 As low as 8.75%*
Other Watercraft up to 60 Same as boats*
New RV's up to 120 As low as 7.75%*
Used RV's up to 120 As low as 8.75%*
Share Secured up to 120 4% over share rate 
Certificate Secured length of CD 4% over share rate 
Personal** up to 60 As low as 9.25%*
Line of Credit** 2yr. reviews As low as 9.25%*

* Rates based on Credit Score & may include .50% discount for financing 80% or less of MSRP (new) / Retail Value (used). Exact rate quoted at time of approval. 
**Minimum payment required on all unsecured loans is $55.00
*** The length of term will depend on the age and the value of the collateral being financed.
 Rates and terms are subject to change without notice.

VISA Credit Cards

CREDIT AND SOLICITATION DISCLOSURE

Annual Percentage
Rate (APR) for purchases

 10.9%

Cash Advance
APR

 10.9%

Grace Period for Repayment of Balances or Purchases

 25 days 

Method of Computing the Balance for Purchases

 Average Daily Balance (including new purchases)

Annual Fees

 None

Minimum Finance Charge

 $.50

Transaction fee for purchases

 None

Cash Advance Fee

 None
Late Payment Fee $20.00
Over-The-Credit limit Fee $20.00

The information about the card described above is accurate as of 11/06. The information may have changed after that date. To find out what may have changed, call, or write  us at the number or address listed on the Contact Page.

 

 
 

 

News & Specials

   
 
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1558 First Street, Sarasota, Florida 34236
941.953.6744 | 941.365.4966 Fax | 800.860.5704 SAMM
 


Federally Insured by NCUA
to at least $250,000


 

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To assist members in accessing information not maintained on this site, the credit union provides links to other Internet addresses. Be advised that: 1) by clicking on any link to other Internet addresses, you are leaving the credit union’s web site; 2) you are linking to an alternate web site not operated by the credit union; 3) the credit union is not responsible for the content of the alternate web site; 4) the credit union does not represent either the third party or the member if the two enter into a transaction; and 5) privacy and security policies may differ from those practiced by the credit union.