Personal financial solutions that fit your lifestyle.

 

Loan Rates

New & Pre-Owned Auto

Effective as of 01 JANUARY 2014

Auto

1 – 36 Months
APR

37 – 60 Months
APR

2009 – 2014 Models
New & Used
1.29% 1.74%
2008 & Earlier Models
Pre-Owned
5.49%
 

Longer Term Auto

61 – 72 Months
$15,000+ MSRP/NADA

73 – 84 Months
$25,000+

2013 – 2014 Models
New & Used
1.74% 3.74%
2009 – 2012 Models
New & Used
1.74% N/A
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $20,000 Loan at 1.74% APR for 60 months: Monthly Payment: $349, Interest over life of loan: $895, total Cost of Loan: $20,895

Recreational

Effective as of 21 APRIL 2014

New

0-36 Mo.

APR

37-48 Mo.

APR

49-60 Mo.

APR

61-72 Mo.

APR

73-84 Mo.

APR

10 Yrs.

APR

15 Yrs.

APR
Jet Skis
100% Financing
7.00% 7.25% 7.50%  
Motorcycles
100% Financing
4.75% 4.99% 5.24% 5.49%  
  Minimum loan
$18,000
Minimum loan
$20,000
 
Boat, Motor/Travel Trailer, Camper
Up to 100% Financing **
3.49% 3.74% 3.99% 4.24% 4.99% 5.49% 5.99%
  Minimum loan
$25,000
Minimum loan
$35,000
Minimum loan
$50,000
** Boats over $50,000.00 require a 10% down payment and cannot exceed 90% financing.
Motorhome/
RV

90% Financing
3.49% 3.74% 3.99% 4.24% 4.99% 5.49% 5.99%
  Minimum loan
$25,000
Minimum loan
$35,000
Minimum loan
$50,000

Pre-Owned

0-36 Mo.

APR

37-48 Mo.

APR

49-60 Mo.

APR

61-72 Mo.

APR

73-84 Mo.

APR

10 Yrs.

APR

15 Yrs.

APR
Jet Skis
100% Financing
7.25% 7.50% 7.75%  
Motorcycles
100% Financing
4.99% 5.24% 5.49% 5.74%  
  Minimum loan
$18,000
Minimum loan
$20,000
 
Boat, Motor/Travel Trailer, Camper
Up to 100% Financing ***
3.75% 3.99% 4.24% 4.49% 5.24% 5.75% 6.24%
  Minimum loan
$25,000
Minimum loan
$35,000
Minimum loan
$50,000
*** Boats over $50,000.00 require a 10% down payment and cannot exceed 90% financing.
Motorhome/
RV

90% Financing
3.75% 3.99% 4.24% 4.49% 5.24% 5.75% 6.24%
  Minimum loan
$25,000
Minimum loan
$35,000
Minimum loan
$50,000
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $13,000 Loan at 4.24% APR for 60 months: Monthly Payment: $259, Interest over life of loan: $1,489.44, total Cost of Loan: $15,586.63

Home

Effective as of 3 DECEMBER 2012

Loan

Rate

APR

First Mortgage Rates are found here
or click the link to the First Mortgage Site in the Mortgage Center page (121fcu.org/home).
5 Year Home Equity*
First Lien
3.00%
Fixed
3.00%
Fixed
10 Year Home Equity*
First Lien
3.25%
Fixed
3.25%
Fixed
15 Year Home Equity*
First Lien
3.75%
Fixed
3.75%
Fixed
10 Year Home Equity*
Second Mortgage
6.00%
Fixed
6.00%
Fixed
15 Year Home Equity*
Second Mortgage
6.24%
Fixed
6.24%
Fixed
20 Year Home Equity*
Second Mortgage
Call for Rates
APR based on loan amount of $50,000 APR based on no closing costs option. Rates above are based on 80% combined loan-to-value. Financing available up to 80% loan-to-value.
Home Equity Line of Credit*
Option #1
4.00%
Variable
4.00%
Variable
Home Equity Line of Credit*
Option #2
4.00%
Variable
4.00%
Variable
Home Equity Line of Credit*
Option #3
4.74%
Variable
4.74%
Variable
Option #1: Variable rate feature: rate stays the same for 1 year, then adjusts every January & July, based on Prime plus a margin of .24%. The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 6/1/09. Maximum rate 16%, Floor rate of 4.00% is in effect.

Option #2: Variable rate feature: rate changes when Prime changes, based on Prime plus zero, with a floor rate of 4.00%.The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 12/16/08. Floor rate of 4.00% is in effect. Maximum rate 16%.

Option #3: Variable rate feature: initial rate will be in effect for 3 years, then adjusts every January & July, based on prime plus a margin of 1.49%. The margin used will depend on your individual creditworthiness. Initial rate based on prime as of 6/1/09. Maximum rate is 16%, Floor rate of 4.00%.
*No closing costs option when you receive an initial advance of at least $10,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.
Unimproved Property
60% or Lower Financing, 12 Year Term
9.50%* 9.609%*
*APR based on loan amount of $25,000
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $35,000 Loan at 4.99% APR for 60 months: Monthly Payment: $660, Interest over life of loan: $4,620, Total Cost of Loan: $39,620

Personal

Effective as of 19 AUGUST 2013

Loan

APR

Personal Loan
$500 minimum, Up to 48 Months
11.65%¹
Fixed
Personal Line of Credit
$21,000 maximum
10.74%¹
Variable
Secured Loan
100% of Savings (Share), Up to 5 Years
3.50%
Variable
Seasonal (Short Term) Loan
Up to 12 Months, up to $2,500
8.00%¹
Fixed
Seasonal (Short Term) Loan
Up to 24 Months, $2,500-$3,500
8.75%¹
Fixed
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment Example: $2,500 loan at 8.00% APR for 12 months. Monthly Payment: $217. Interest Cost: $110. Total Cost of Loan: $2,610. Approval & rate based on creditworthiness.

Short Term Personal Loan

Payment Example: $2,500 loan at 8.00% APR for 12 months. Monthly Payment: $217. Interest Cost: $110. Total Cost of Loan: $2,610. Approval & rate based on creditworthiness.

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