Loan Rates

Rates effective as of 05/22/2017

 

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  Vehicle Loans    

2013 and Newer Vehicle Rates:

 

Term
36 mo.
48 mo.
60 mo.
72 mo.
APR* as low as
2.50%
2.70%
2.95%
3.95%
Payment per $1000
$28.87
$22.01
$17.95
$15.63

2013 and newer Recreational Rates:

Term
36 mo.
48 mo.
60 mo.
APR* as low as
3.50%
3.70%
3.95%
Payment per $1000
$29.31
$22.45
$18.40

*Annual Percentage Rate. Your individual rate will depend on your credit worthiness. Please consult with a loan officer for more information. Terms are based on the year, condition and mileage of the vehicle. Rates are applicable on purchases and refinancing of loans from other institutions. For 2012 and older vehicles, contact the Credit Union for rates and terms.

 

Mortgage Loans

1st Mortgage/Home Equity - Fixed Rates:

Term
5 yr.
7 yr.
10 yr.
12 yr.
Rate / APR*
4.25 / 4.455%
4.50 / 4.649%
4.75 / 4.858%
4.75 / 4.841%
Payment per $1000
$18.54
$13.91
$10.49
$9.13

*Annual Percentage Rate is fixed over the term of the loan and is based on a loan amount of $100,000.00 for each of the terms disclosed. All rates, terms and conditions are subject to credit approval and may change at any time without notice. Payment per $1000 does not include taxes or insurance premiums. Payments are estimates and include only principal and interest.  Maximum loan to value of 80%.   This is a partial listing of the mortgage programs available, please contact Cindy for additional information 1-800-464-3773.  
 

2nd Mortgage/Home Equity - Fixed Rates:

Term
5 yr.
7 yr.
10 yr.
Rate / APR*
5.75 / 5.957%
6.00 /  6.152%
6.25 / 6.361%
Payment per $1000
$19.22
$14.62
$11.24


*Annual Percentage Rate is fixed over the term of the loan and is based on a loan amount of $50,000.00 for each of the terms disclosed. All rates, terms and conditions are subject to credit approval and may change at any time without notice. Payment per $1000 is an estimate of principal and interest only. Maximum loan to value of 80%.

Home Equity Line of Credit - Variable Rate:

Term
Open End
APR*
4.00%
Payment per $1000
n/a

*Annual Percentage Rate on a Home Equity Line of Credit is based on the Prime Rate as published in the Wall Street Journal (45 days prior to the end of each quarter) plus 0%. The current variable APR of 4% is effective as of 02/14/17. The maximum APR is 17% and the minimum APR is 4%. The minimum monthly payment is the higher of $100 or 1.5% of the outstanding balance as of the last advance. Closing costs are typically $200-250 excluding the cost of an appraisal. If required, an appraisal is generally $350.  Closings are usually within 21 days depending on 3rd party timetables.

Secondary Market: Additional Rates and programs with terms up to 30 years are available thru CUSO Mortgage. Please contact Cindy at (207) 623-3857 for current rates or additional information.

 

Other Loans 

Type
 
Personal and Consolidation
Computer Loans
Computer Loans
Share Draft Line of Credit
Share Secured
Certificate Secured
Mobile Homes up to 10 yrs old
Terms
 
60 mo.
12 mo.
36 mo.
5% of payment/$50 minimum
36 mo.
Up to term of CD
Up to 10 yrs with 20% down
Max. Loan $
 
Up to $10,000.00
Up to $1,500
Up to $2,000
Up to $2,500
n/a
n/a
n/a
APR*
 
As low as 6.95%
3.9%
5.9%
15.00%
3% above share Rate
2% above CD Rate
9.99%
Payment per $1000
 
$19.79
$85.11
$30.38
-
-
-
$13.22

*Annual Percentage Rate. Your individual Rate and terms for Personal/Consolidation loans will depend on your credit worthiness. Please consult with a loan officer for more information. All loans subject to credit approval.