Topeka Police Department Credit Union

star 9 AM to 2 PM M-F star 320 South Kansas, Suite 100, Topeka, KS 66603-3619 star (785) 368-9436 star FAX (785) 368-9008 seperator

Loans Disclosure Policy for New Loans Only

Effective June 16, 2016

Interest Rates are determined by the purpose of the loan request
Loans Secured by Shares 2.70% Length of Loan to be determined
Loans Secured by Share Certificates 3.70% Length of Loan to be determined
 
Student Loans:
Maximum Loan: $6,000.00
Maximum time to payoff loan not to exceed 6 years
Loan Rates: 6% & 7%
Determined by Loan/Risk Evaluation Score
 
New and Used Cars, Trucks, Motorcycles, Boats, Antique Vehicles (35 years or older)
Antique Vehicle Rate will be New Car rate and length of loan to be determined up to 144 months
Up to 60 Months Up to 72 Months
2016 and 2015 4.90% or 6.90% 5.40% or 7.40%    
2014 and 2013 5.65% or 7.55% 6.15% or 8.15%    
2012 and 2011 6.30% or 8.30% 6.80% or 8.80%
2010  and Older 7.05% or 9.05% 7.30% or 10.30%

Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0 to $5,000 36 Months
$5,001 to $10,000 48 Months
$10,001 to $15,000 60 Months
$15,001 and Above 72 Months
New and Used Motor Homes, Recreational Vehicles:
Up to 60 Months Up To 96 Months To 144 Months
2016 and 2015 4.90% or 6.90% 5.40% or 7.40%  5.90% or 7.90%
2014 and 2013 5.65% or 7.55% 6.15% or 8.15% 6.65% or 7.65%
2012 and 2011 6.30% or 8.30% 6.80% or 8.80% 7.40% or 9.40%
2010 and Older 7.05% or 9.05% 7.30% or 10.30% 8.15% or 10.15%

Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0 to $10,000 48 Months
$10,001 to $20,000 60 Months
$20,001 to $30,000 96 Months
$30,001 to $45,000 144 Months
New and Used Lawn Equipment, Small Watercraft, Non-Highway Vehicles, Tractors:
Up to 24 Months To 36 Months To 48 Months
2016 to 2013 6.45% or 8.45% 6.95% or 8.95% 7.45% or 9.45%
2012 to 2007 6.95% or 8.95% 7.45% or 9.45% 7.95% or 9.95%
2006 and Older 7.45% or 9.45% 7.95% or 9.95% 8.45% or 10.45%

Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0 to $5,000 36 Months
$5,501 to $10,000 48 Months
$10,001 to $15,000 60 Months
$15,001 and Above 72 Months
Unsecured Loans:
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
1st year membership Up to $2,000
Past the 1st year Up to $4,000
High Credit 10.75% Up to $4,000
Mid Credit 12.75% Up to $4,000
All other Loans Secured with Proper Collateral
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
10.75% or 12.75% Up to 48 Months
Police Equipment Loans - Equipment must have serial number assigned to them
Interest Rate 5.75% or 7.75% - based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
Up to $3,000
Up to 24 months

Board of Directors June 15, 2016
Topeka Police Department Credit Union

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