Loan Rates
Effective May 25, 2017
Home Equity Line of Credit
| As low as | ||||
|---|---|---|---|---|
| Home Equity Line of Credit | Up to 90% of Value (up to $250,000) | 4.00%* |
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings. HELCO=Home Equity Line of Credit is up to 90% of the appraised value. Interest rate cannot exceed 18% and loan amount request cannot exceed $250,000; Floor rate is 4%. For more information please call 703.750.4394 and ask for our lending department.
Fixed Rate 2nd Mortgage
| As low as | ||||
|---|---|---|---|---|
| 5 years up to $50,000 | 3.00% | |||
| 10 years up to $100,000 | 4.00% | |||
| 15 years up to $150,000 | 5.00% |
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings. Loan amount request cannot exceed $150,000.
Unsecured Loans
| As low as | ||||
|---|---|---|---|---|
| Personal Loans | 10.75%* | |||
| Debt Consolidation | 12.75%* | |||
| Overdraft Protection | 12.99%* |
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings.
Secured Loans
| APR* | Term | |||
|---|---|---|---|---|
| Share Secured Loan** | 100% of Shares | 2% above index | 10 years | |
| Certificate Secured Loan** | 100% of Certificate Value | 2% above index | 10 years |
*APR = Annual Percentage Rate. All rates subject to change without notice.
**The annual percentage rate for a Share and Certificate Secured advance will be 2% above the dividend rate paid on the shares.
Vehicle Loans
| Approx Term | APR as low as | |||
|---|---|---|---|---|
| New Vehicles | Up to 60 Months w/ 80% financing | 1.50%* | ||
| Up to 72 months** w/ 80% financing | 2.25%* | |||
| Up to 60 Months w/ 100% financing | 1.75%* | |||
| Up to 72 Months** w/ 100% financing | 2.50%* | |||
| Used Vehicles | Up to 60 Months w/ 80% financing | 2.00%* | ||
| Up to 72 months** w/ 80% financing | 2.75%* | |||
| Up to 60 Months w/ 90% financing | 2.50%* | |||
| Up to 72 Months** w/ 90% financing | 3.25%* | |||
| Up to 60 Months w/ 100% financing | 2.75%* | |||
| Up to 72 Months** w/ 100% financing | 3.50%* | |||
| New and Used Boats/RV/ATV | Up to 48 Months | 7.99%* | ||
| Up to 84 Months | 8.25%* |
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according members' individual credit ratings. The loan rates listed above are the minimum rates offered.
**72 month financing available for automobiles over $20,000.
