Loan Rates

*Annual Percentage Rate (APR) varies according to loan term and loan amount. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above.  Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans.  Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Application and Solicitation Disclosure

Card-type issued is determined by credit history. Lines of credit are subject to approval. Please refer to your credit card disclosures for additional information. *Variable Annual Percentage Rate (APR) is based on the index of prime plus margin. Prime as of  08.15.2023 = 8.50%. Rate is subject to change quarterly. Rates are accurate as of the effective date above. Rates are subject to change without notice. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Rates apply to owner-occupied property only. For investment or unimproved property rates and terms, or for LTVs above 90%, please contact the Mortgage Department.

LTV = Loan To Value.
APR = Annual Percentage Rate.

Rates are accurate as of the effective date above and are subject to change without notice. Fees and closing costs may be incurred. Fee amounts based on appraisals, loan amount, flood certifications, title insurance and other determining factors. Rates may vary based on credit score, loan term and amount and collateral conditions (LTV). Please contact the Mortgage Department for complete details. Maximum APR is 18.00%. Minimum APR not to go below our current floor rate of 4.00%.  

*Variable equity line rate is based on the index of prime plus margin. Prime as of 08.15.2023 = 8.50%. Rate is subject to change quarterly.

**The Credit Union pays all closing costs except for the appraisal fee. Reimbursement of all closing costs required if the loan is paid off and closed within two years of funding. 

HELOC Payment Examples
Up to 90% LTV based on a loan amount of $50,000.
Maximum payment of $625 for all rates.
HELOC payment is based on $12.50 per $1,000 borrowed with a minimum payment of $100.

Rates apply to owner-occupied property only. For investment or unimproved property rates and terms, or for LTVs above 90%, please contact the Mortgage Department.

LTV = Loan To Value.
APR = Annual Percentage Rate.

Rates are accurate as of the effective date above and are subject to change without notice. Fees and closing costs may be incurred. Fee amounts based on appraisals, loan amount, flood certifications, title insurance and other determining factors. Rates may vary based on credit score, loan term and amount and collateral conditions (LTV). Please contact the Mortgage Department for complete details. Maximum APR is 18.00%. Minimum APR not to go below our current floor rate.  

*The Credit Union pays all closing costs except for the appraisal fee. Reimbursement of all closing costs required if the loan is paid off in full within two years of funding.