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Loan Rates

Effective March 17, 2017

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Vehicle Loans

New Cars, Trucks, & Vans

Loan Type Maximum Term APR (1) as low as
Fixed up to 24 months 1.49%
Fixed up to 36 months 1.74%
Fixed up to 48 months 2.24%
Fixed up to 60 months 2.49%
Fixed up to 72 months 2.99%
Fixed up to 84 months 3.49%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 2.49% APR is $354.84.

Used Cars, Trucks, & Vans

Loan Type Maximum Term APR (1) as low as
Fixed up to 24 months 1.74%
Fixed up to 36 months 1.99%
Fixed up to 48 months 2.49%
Fixed up to 60 months 2.74%
Fixed up to 72 months 3.24%
Fixed up to 84 months 3.74%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 2.74% APR is $357.05.

Personal Loan

Loan Type Maximum Term APR (1) as low as
Fixed up to 12 months 8.99%
Fixed up to 24 months 9.24%
Fixed up to 36 months 9.49%
Fixed up to 48 months 9.99%
Fixed up to 60 months 10.99%

Example payment: The estimated monthly payment for a $1,000 personal loan with a 12 month term at a rate of 8.99% APR is $87.43.

Share Secured Loan

Loan Type Maximum Term APR(7)
Variable Up to 12 years Current Share Dividend Rate + 3.00%

 

Certificate Secured Loan

Loan Type Maximum Term APR(7)
Fixed Up to Maturity of Certificate Certificate Dividend Rate + 3.00%

 

No Closing Cost Home Equity Loan

Loan Type Term Maximum LTV APR (1)(3)(4) as low as

 
Fixed

 
Up to 60 months

up to 80%
80.01 - 85%
85.01%-90%

3.74%
4.24%
4.74%

 
Fixed

 
Up to 84 months

up to 80%
80.01 - 85%
85.01%-90%

4.24%
4.74%
5.24%

 
Fixed

 
Up to 120 months

up to 80%
80.01 - 85%
85.01%-90%

4.24%
4.74%
5.24%

 
Fixed

 
Up to 180 months

up to 80%
80.01 - 85%
85.01%-90%

4.49%
4.74%
5.99%

 
Fixed

 
Up to 240 months

up to 80%
80.01 - 85%
85.01%-90%

4.74%
5.24%
6.74%

Example payment: The estimated monthly payment for a $20,000 home equity loan, up to 80% LTV with a 120 month term at a rate of 4.24% APR is $204.81.

No Closing Cost Home Equity Line-of-Credit

Loan Type Maximum LTV Maximum Term APR (1)(2)(3)(4) as low as
Variable        up to 80% 180 months            4.00% (Prime)
Variable 80.01% to 90% 180 months 5.00% (Prime + 1.00%)

 

First Mortgage

through partnership with CUMA(1)(3)

Loan Type Maximum Term Current Rates
Fixed 15 years - 30 years Current Rates
Variable 3/1 ARM Current Rates
Variable 5/1 ARM Current Rates
Variable 7/1 ARM Current Rates

 

Boats & Recreational Vehicles - New & Used

        Loan Type                Maximum Term APR(1) as low as
Fixed                  Up to 84 months                  3.00% + current vehicle rate
Fixed        85 months to 120 months                  7.24%

Example payment: The estimated monthly payment for a $20,000 new/ used boat & recreational loan with a 60 month term at a rate of 5.49% is $381.97.

LifeLine of Credit

Loan Type Maximum Term APR (1)(2) as low as
Variable Revolving 11.00% (Prime + 7.00%)

 

VISA Credit Card

Loan Type Annual Fee APR(1)
VISA® Platinum with rebates(1)(5) None 12.90%
VISA® Platinum no rebates(1)(2)(5) None as low as 9.50% (Prime + 5.75%)
VISA® Classic(1)(5) None 14.90%
VISA® Secured(1)(6) $25.00 14.90%

Rates are subject to change without notice. Certain restrictions and conditions may apply.

(1) APR is Annual Percentage Rate. Rates effective as of 03/17/2017. Actual rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount and/ or credit evaluation. All loans are subject to credit approval. 

(2) APR is based on the Prime Rate published in the Wall Street Journal plus or minus a margin and based on evaluation of credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Prime Rate is 4.00% as of the effective date indicated above. 

(3) All mortgage requests that are in first position must have an escrow account in order for the remittance of taxes and insurance. Property must be located in any U.S. state or the District of Columbia, excluding Hawaii, New York or Texas.

(4) The Credit Union currently waives the closing costs at loan origination, which is a conditional benefit being provided to you. The collection and recovery of these conditionally waived costs would only occur upon closure of the loan within 2 years of the origination. Minimum loan amount is $10,000. Maximum loan amount for 80% LTV is  $250,000. Maximum loan amount for 90% LTV is $150,000. Current AgFed Home Equity loans/ lines of credit being refinanced require a new minimum advance of $10,000. Collateral used in a Home Equity loan/ lines of credit must be occupied as the primary residence of the applicants. Not all properties will qualify as collateral. 

(5) Qualification for a VISA® Classic/Platinum is based on a credit evaluation and other factors. Cardholder agreement will be provided when approved.

(6) Secured VISA® Classic - the funds in this account will be pledged to secure your line of credit and cannot be withdrawn, unless your VISA® card is closed and paid in full.

(7) APR is Annual Percentage Rate. Funds pledged as collateral for these products cannot be withdrawn unless the loan is paid in full.  Certificate loans cannot extend beyond the maturity date of the Certificate pledged.

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