Loan Rates

Vacation Extensions are now available through August - Stop in and see if you qualify!!

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LOAN RATES

Rates as of 10-01-06

*Some restrictions may apply.

Click here for a fillable PDF loan application. Must have Adobe Acrobat Reader to access.

Click here to download Adobe Acrobat Reader for free.

To Submit An Application:
1. Save the application to a location on your computer that is easy for you to get to, such as the desktop.
2. Open application from saved location and fill out.
3. Save application and attach to an email to dalecu@megavision.com.

Vehicle Loans

Vehicle Year - Loan Value Equivalency	APR*
2008 - 90% of Sticker Value 2007 - 90% of Retail Value 2006 - 90% of Retail Value 2005 to 2001 - 100% of Trade Value	36 mo. . . . . 6.5% 48 mo. . . . . 7.0% 60 mo. . . . . 7.0% *72 mo. . . . . 7.5%
*ONLY NEW & 1-2 year old vehicles may be financed for longer than 60 months

*Estimated Monthly payment per $1,000 borrowed:

36 months at 5.50% APR....$30.64

48 months at 6.00% APR....$23.94

60 months at 6.50% APR....$19.79

72 months at 7.00% APR....$17.28

The following rates apply to loans not totally secured by the vehicle, or older than 8 years with a minimum payment schedule:

Loan Value	Term	APR
< 4,000	36 Months	9.5%
4,001 - 6,000	36 Months	9.0%
6,001 -10,000	48 Months	8.5%
10,000 - >	60 Months	8.0%

Minimum Payment Schedule

$ 0 - $ 500	$10.00/wk	$ 43.30/month
$ 501 - $ 750	$15.00/wk	$ 64.95/month
$ 751 - $1000	$20.00/wk	$ 86.60/month
$1,001 or more	$25.00/wk	$108.25/month

DECU uses the NADA guides to determine the loan value of a vehicle. To find a vehicle value yourself, click here to go the NADA website.

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DECU LOAN PRODUCTS:

Mortgage Loans - If DECU is unable to fund a mortgage loan for you, we have partnered with two other entities to satisfy your mortgage lending needs. We are now able to fulfill your lending needs with conventional mortgage loans with terms up to 30 years and also with loans for manufactured homes (including mobile homes) as well as opportunities for members who are otherwise unable to acquire a mortgage loan.

	For information on Central States for those in need of a mortgage loan but unable to qualify, please press HERE.
	For information on mortgage loans, see your local Member Service Representatives.

Home Equity Loans (Variable Rate) - A Line of Credit loan based on the equity of your permanent Nebraska residence. Rate is based on the 6-Month T-Bill.
Minimum Line of Credit . . . $ 7,500
Maximum Line of Credit. . . $50,000

Closed-End Home Equity Loans (Second Mortgages) -

Business Loans - DECU has partnered with Newtek to offer business loans and services. If you have been thinking about starting your own business and

	For information on business loans, please press HERE.
	For information on setting up electronic payments for your business, press HERE.

Computer Loans - Funds are available for the purchase price of a computer. The maximum loan amount is $3500.00 for a maximum term of 36 months. Current rate is 6.0% APR. The estimated monthly payment for $1,000 borrowed is $30.65; however a minimum payment schedule applies.

Recreational Loans - Check with our Member Service Representatives for more information.

Personal Loans - Maximum available $2,000.00 or 10% of Gross Income (excluding incentive bonus, etc.) Current rate is 10.0% APR for 36 month, with a minimum payment.

Share Guaranteed - APR is 1% higher than the highest dividend rate paid on regular shares.

Certificate Guaranteed - APR is 2% higher than the certificate dividend rate using the same maturity date as the certificate.

FHA Home Improvement - Applicant must be employed by current employer for 1 year minimum. Maximum amount: $25,000.00. Maximum Term: 20 years with a minimum payment schedule. Current rate is 6.5%.

Miscellaneous fees associated with some loans:

Titles.....$10.00 Liens.....$7.00 Secured Equity.....$40.00

Rates, terms and conditions subject to change without notice. Subject to credit approval based upon creditworthiness and our underwriting standards.

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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.