New Car Loan Rates
Effective August 1, 2018100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
| Term | APR* as low as |
|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
| up to 60 months | 2.24%** |
| 61 - 72 months | 2.74%** |
| 73 - 84 months | 3.24%** |
Used Car Loan Rates
Effective August 1, 2018Model years 2011 through 2018. Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.
| Term | APR* as low as |
|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
| up to 60 months | 2.74%** |
| 61 - 72 months | 3.24%** |
| 73 - 84 months | 3.74%** |
Visa Credit Card Terms & Rates
Effective August 1, 2018| Type | Rate or Fee |
|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. View full terms and disclosures. |
|
| Purchases | as low as 10.00% APR* |
| Balance Transfers | as low as 10.00% APR* |
| Cash Advances | as low as 10.00% APR* |
| Annual Fee | None |
| Balance Transfer Fee | None |
| Cash Advance Fee | None |
| Over-the-Credit Limit Fee | None |
| Late or Returned Payment Fee | $20.00 |
Personal Lending Rates
Effective August 1, 2018| Type | Term | APR* as low as |
|---|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed. *** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate. |
||
| Personal Loan | up to 60 months | 7.74% |
| Share Secured Loan** | up to 60 months | Dividend + 2.00% (Minimum 3.00%) |
| Personal Line of Credit | Revolving | Prime*** + 5.00% |
First Mortgage Rates
Effective August 1, 2018| Term | Interest Rate | APR* as low as |
|---|---|---|
| *APR = Annual Percentage Rate. All APRs in mortgage rate examples above are based on a $200,000 loan amount and 80% Loan-To-Value (LTV). Rates effective 8/1/18 and are subject to change without prior notice. FSFCU NMLS#721558. Financial Security Consultants, Inc. is a service partner of Five Star Federal Credit Union. Financial Security Consultants is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. Licensed in Pennsylvania by the Pennsylvania Department of Banking. NMLS #101557 | ||
| 10 Years | 2.990% | 3.283% |
| 15 Years | 3.875% | 4.144% |
| 20 Years | 4.125% | 4.338% |
| 30 Years | 4.375% | 4.532% |
| 33 1/4 Years (400 Months) | 4.500% | 4.647% |
Home Equity Lending Rates
Effective August 1, 2018Loan Amount $10,000 – $150,000
| Term | Amount | APR* as low as |
|---|---|---|
| * APR = Annual Percentage Rate. Minimum APR 2.27%; Maximum APR 18.00%. Credit union will pay closing costs; however, if the line of credit is paid off within 3 years, reimbursement is due to the credit union. Appraisal Fee: $350. Processing time: 3 to 4 weeks. New lines only; required min. advance of $15,000. ** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate. Draw Period: 15 years (access with home equity checks); First Advance: $2,500 minimum; $500 increments thereafter. |
||
| Revolving Line of Credit | 80% Appraised Value less First Mortgage | 2.27% (9 months) then Prime** + .25% (after 9 months) |
| Revolving Line of Credit | 90% Appraised Value less First Mortgage | 2.27% (9 months) then Prime** + 1.00% (after 9 months) |
| 5-Year Closed End | 90% Appraised Value less First Mortgage | 4.24% |
| 10-Year Closed End | 90% Appraised Value less First Mortgage | 4.74% |
| 15-Year Closed End | 90% Appraised Value less First Mortgage | 5.24% |
Motorcycle & ATV Loan Rates
Effective August 1, 2018| Term | APR* as low as |
|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
| up to 48 months | 3.24%** |
| 49 - 72 months | 3.74%** |
Recreational Vehicle Loan Rates
Effective August 1, 2018| Term | APR* as low as |
|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. |
|
| up to 60 months | 3.99%** |
| 61 - 84 months | 4.49%** |
Boat Loan Rates
Effective August 1, 2018No vessels over 5 ton net weight.
| Condition, Amount & Term | Down Payment | APR* as low as |
|---|---|---|
| *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates. ** Rate shown above includes 0.25% APR* automatic payment discount. *** Used amount financed based on Wholesale Book Value. |
||
| New up to $25,000; 7 Years New over $25,000; 10 Years | 10% | 3.24%** |
| New up to $25,000; 7 Years New over $25,000; 10 Years | 20% | 3.74%** |
| Used up to $25,000;*** 7 Years Used over $25,000;*** 10 Years | Any | 6.74% |