All Rates Effective - February 1, 2017


Home Loans

FIRST LIEN POSITION (1)
TERM 5 Year 7 Year 10 Year 12 Year 15 Year 20 Year

Loans $10,000 to $350,000

2.49% APR 3.20% APR 3.40% APR 3.78% APR 3.98% APR 4.28% APR
SECOND LIEN POSITION (1)

Loans $10,000 to $49,999

3.04% APR 3.75% APR 3.95% APR 4.33% APR 4.53% APR N/A
Loans $50,000 to $300,000 2.74% APR 3.45% APR 3.65% APR 4.03% APR 4.23% APR N/A
Variable Rate Home Equity Line-of-Credit (HELOC) (2)
10 Year Draw Period
Introductory rate fixed at 2.00% APR for 12 months from loan closing date.
After introductory period, APR will be a variable rate as indicated below.
Plans Plan 1 (2) Plan 2 (2) Plan 3 (2) Plan 4 (2)

Maximum (LTV)Loan to Value

60% 70% 80% 90%

Adjustment to Index

Prime - 1.0% Prime - 0.5% Prime Prime 1.0%
Annual Percentage Rate (APR) 4.00% 4.00% 4.00% 4.75%
Maximum Loan Amount $250,000 $250,000 $250,000 $100,000

Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.

 

(1) Fixed Rate Home Equity Loans 80% MAXIMUM (LTV) LOAN TO VALUE
(2)These rates are adjusted on a quarterly basis and are indexed to Prime Rate as published in the WALL STREET JOURNAL (WSJ). Adjusted rate effective January 1, 2017, based on the WALL STREET JOURNAL Prime Rate (3.75%) as of December 21, 2016, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%.

Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio. Please call your local credit union office for current details

 

View All Rates