Lending Rates

New Car Loan Rates

Effective December 1, 2018
100% 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	2.74%**
61 - 72 months	3.24%**
73 - 84 months	3.74%**

Used Car Loan Rates

Effective December 1, 2018
Model 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	3.24%**
61 - 72 months	3.74%**
73 - 84 months	4.24%**

Visa Credit Card Terms & Rates

Effective December 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 10.25% APR*
Balance Transfers	as low as 10.25% APR*
Cash Advances	as low as 10.25% 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 December 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	9.74%
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 December 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 Licensed in Pennsylvand 80% Loan-To-Value (LTV). Rates effective 12/1/18 and are subject to change without prior notice. FSFCU NMLS #721558. Freedmont Mortgage Funding is a service partner of Five Star of Maryland Federal Credit Union. Freedmont Mortgage is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. NMLS #1067.
10 Years	3.250%	3.629%
15 Years	4.125%	4.398%
20 Years	4.375%	4.591%
30 Years	4.625%	4.785%
33 1/3 Years (400 Months)	4.750%	4.900%

Home Equity Lending Rates

Effective December 1, 2018
Loan Amount $10,000 – $150,000

Term	Amount	APR* as low as
* APR = Annual Percentage Rate. 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. ** 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	Prime** + .25%
Revolving Line of Credit	90% Appraised Value less First Mortgage	Prime** + 1.00%
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 December 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 December 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 December 1, 2018
No 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%