Civitas member circular / 20 October 2956

Rates, fees and member terms

Keep this sheet with your offer and payment schedule. Amounts paid to dealers and custodians are in aUEC.

Ship lending rate sheet

Rates current to 20 October 2956. These are annual nominal reference rates, divided into 52 weekly periods for the purchase-plan estimate. They are not weekly rates, savings yields or an automatic charge on a member balance.

Standard catalogue lending products
Product	Contribution	Available terms	Tier 2 rate	Tier 3 rate
L-100 Pathfinder Entry Working Note	10%	2, 4, 6, 8 weeks	4.50%	3.00%
L-200 Workhorse Industrial Note	20%	4, 6, 8, 10, 12 weeks	3.75%	2.25%
L-300 Tactical & Escort Facility	25%	4, 6, 8, 10 weeks	6.25%	4.75%
L-400 Syndicate Capital & Flagship Lease	30%	8, 12, 16, 20, 24 weeks	5.00%	3.50%

Treasury confirms the applicant's rate tier and eligibility. A qualifying industrial agreement may use the product's published alternative rate; discounts are not stacked. New-recruit and active-contract contributions apply only where the selected product offers them.

The accepted offer fixes the principal, total lending charge and whole-aUEC weekly schedule. Individual terms may run for up to 104 weeks; a catalogue product uses its own listed terms. No offer is issued without available lending capital.

Calculate a purchase plan

Fee schedule

Opening a member account: No fee
Internal member transfer: No fee
Ship-loan application: No fee
Early settlement: No additional fee; the fixed charge in the accepted offer remains payable
Late payment: No automatic penalty or additional compound charge

The lending charge appears separately in the written offer. An exact transfer reference may include a small identifying amount; send the precise amount instructed. A reference is not an additional service fee, and a deposit is not credited before receipt is confirmed.

Borrowing conditions

Collateral and ownership

Current ship loans are unsecured. The vessel is recorded as the purpose of the loan; recording its name does not transfer ownership or create a lien. Civitas does not take possession of your citizen account or remotely seize a hull. Cargo and exchange holdings are not automatically pledged as collateral.

Missed payments

The accepted debt and payment history remain on your account. A missed payment does not add an automatic late charge or compound the agreed lending charge. Open a repayment-assistance enquiry before the next due date. Only a recorded Treasury decision changes an authorized suspension; writing a note does not alter the accepted terms.

Loss of hull or insurance

Report destruction, loss or a lapse in insurance to the lending office and keep the purchase and claim references. Hull replacement follows the relevant insurer's terms. Civitas neither promises an insurance payout nor cancels the loan because the vessel is unavailable.

Legal restrictions

Disclose a CrimeStat or other restriction if it prevents access to the dealer, receiving port or work proposed in the application. An officer reviews the practical effect. There is no automatic Civitas CrimeStat surcharge, seizure or forgiveness.

Phoenix

Lost custody funds and a lost ship are different cases. A Phoenix recovery claim needs a recorded amount, funded reserves and Treasury approval before repayment. Loan-payment suspension is a separate recorded decision and does not repay the principal.

Full ship lending standard

Terms used in your account

aUEC / Currency

The payment currency used by Civitas for dealer purchases and external transfers. Prices and repayments on these service pages are stated in aUEC.

HCC / HLN Custody Credit

A cash claim recorded in Civitas. One HCC represents one aUEC held by a named custodian. An internal balance changes only after the relevant transfer or receipt is confirmed.

CEB / Charter Equity Bond

A separate Phoenix claim for recovery under the charter. It is not a spendable aUEC balance. Repayment needs funded recovery reserves and Treasury approval; no return or repayment date is guaranteed.

UCI / Universal Citizen ID

The linked citizen identity used to sign in and connect membership records across HLN services. An identity alone does not grant an account, staff appointment or spending authority.

SCU / Standard Cargo Unit

The cargo-volume unit written on industrial purchase orders. The receiving officer records the accepted quantity and cargo grade before payment.

CrimeStat / Criminal record status

Tell the lending office if a legal restriction prevents a dealer purchase, travel or the work proposed in your application. CrimeStat does not trigger an automatic Civitas fine, account seizure or debt cancellation.

Ask before accepting

The office can explain a quote, an account entry or an amount due. Your statement and accepted offer identify the actual account and obligation.

Write to the member office