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Secured Loans New and Used Vehicles Existing Leases and Vehicle Loans Share Savings Secured Stock Secured |
Unsecured Loans Personal Signature Debt Consolidation Thrift Plan Bridge Education Line of Credit Overdraft Protection |
Real Estate Loans Home Equity Closed End Home Equity Line of Credit |
| Loan rates are established by the Board of Directors and are subject to change. The loan rates disclosed are updated regularly but members should verify current rates with the Credit Union Loan Department. |
Secured Loans
| Up to | Number of Payments biweekly/ monthly |
Share 1 | Special Share or Term Share secured loan | Stocks | Vehicle loans | Boats and campers Over 5 years: $300 minimum monthly payment |
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|---|---|---|---|---|---|---|---|---|---|---|---|
| New2 Never registered |
Used3 NADA retail value |
On member's previously leased vehicle | Existing To bring to credit union | Existing To secure debt restructure | |||||||
| New | Used | ||||||||||
| 1 year | 26/12 | 4.75% | Share rate + 2.00% | 6.50% | 4.50% | 5.90% | 5.90% | 8.50% | 10.75% | 6.00% | 6.75% |
| 2 years | 52/24 | 5.00% | Share rate + 2.50 | 6.75% | 4.75% | 5.90% | 5.90% | 8.75% | 11.00% | 6.25% | 7.00% |
| 3 years | 78/36 | 5.25% | 7.00% | 4.90% | 5.90% | 5.90% | 9.00% | 11.25% | 6.50% | 7.25% | |
| 4 years | 104/48 | 5.50% | 7.25% | 4.90% | 5.90% | 5.90% | 9.25% | 11.50% | 6.75% | 7.50% | |
| 5 years | 130/60 | 5.75% | 7.50% | 4.90% | 5.90% | 5.90% | 9.50% | 12.25% | 7.00% | 7.75% | |
| 6 years | 156/72 | 6.00% | 7.75% | 6.00% | 7.50% | 7.25% | 10.00% | 12.25% | 7.00% | 7.75% | |
| 7 years | 208/84 | 7.00% | 7.00% | 7.75% | |||||||
| 8 to 10 years | 7.00% | 7.75% | |||||||||
| 10 to 12 years | 7.50% | 8.00% | |||||||||
2 $25,000 minimum loan on 7 year New Vehicle Loans. Return to table.
3. $25,000 minimum loan on 6 year Used Vehicle Loans. Return to table.
Unsecured Loans
| Up to | Number of Payments biweekly/ monthly | CU Star Line of Credit | CU Line of Credit | CU Quick Pay | Thrift Plan bridge | Premium 30 Personal Loan | Personal Signature Loan | Debt consolidation | Debt consolidation credit repair | Refinance existing CU Loan | Education |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 7.00% | 12.00% | 16.50% | 16.50% | |||||||
| 1 year | 26/12 | 6.75% | 10.75% | 11.25% | 11.75% | 10.75% | 7.25% | ||||
| 2 years | 52/24 | 7.00% | 11.00% | 11.50% | 12.00% | 11.00% | 7.50% | ||||
| 3 years | 78/36 | 7.25% | 11.25% | 11.75% | 12.25% | 11.25% | 7.75% | ||||
| 4 years | 104/48 | 7.50% | 11.50% | 12.00% | 12.50% | 11.50% | 8.00% | ||||
| 5 years | 130/60 | 7.75% | 11.75% | 12.25% | 12.75% | 11.75% | 8.25% | ||||
| 6 years | 156/72 | 8.50% | |||||||||
Real Estate Loans
| Up to | Home Equity Closed End (1st or 2nd mortgage) fixed rate |
Home Equity Line of Credit Maximum Loan to Value 80% Prime Rate to Floor Rate of 5.00% Rate Ceiling 18.00% |
|
|---|---|---|---|
| 80% loan to value | |||
| 5 years | 60/130 | 6.25% | |
| 7 years | 84/182 | 6.50% | |
| 10 years | 120/260 | 6.75% | |
| 15 years | 180/390 | 7.25% | |
Visa Credit Card
As low as 7.50% APR
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Maintained by C. Jason Wilson, Board of Governors
Send comments or questions to FRB Federal Credit Union
Last update: May 1, 2008