Rates effective as of January 1, 2019
All loan rates shown below are “as low as” annual percentage rates and are subject to change without notice. Actual interest rates may be determined by credit score. Membership eligibility required. Some restrictions may apply.
Auto/Recreational/Secured Loans (Non-Real Estate)
| Term** | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| * Annual Percentage Rate (will vary based on the borrower’s credit score and selected term) ** Up to 100% financing available; NADA or MSRP 1. 72-month term is for loans $15,000 or greater 2. 84-month term is for loans $25,000 or greater 3. 120-month term is for boat/recreational vehicle loans $25,000 or greater. [84 & 120-month terms are limited to borrowers with A, B or C credit scores] |
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| Up to 36 months | As low as 3.49% | $29.30 |
| Up to 48 months | As low as 3.74% | $22.47 |
| Up to 60 months | As low as 3.74% | $18.31 |
| Up to 72 months1 | As low as 4.74% | $15.99 |
| Up to 84 months2 | As low as 5.99% | $14.61 |
| Up to 120 months3 | As low as 6.99% | $11.62 |
Energy Loans
| Term | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| *Annual Percentage Rate Certain restrictions may apply. |
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| Up to 12 months | 5.00% | $85.61 |
Share Secured Loans
| Term | APR* | Monthly Payment Per $1,000 Borrowed** |
|---|---|---|
| * Annual Percentage Rate ** APR and cost per $1,000 dependent on the rate and term of the term of the shares used to secure the loan. Certain restrictions may apply. |
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| Up to 120 months | *3.00%+ Dividend Rate | $ VARIES |
Certificate Secured Loans
| Term | APR* | Monthly Payment Per $1,000 Borrowed** |
|---|---|---|
| * Annual Percentage Rate is 3.00% + over Annual Percentage Yield of Share Certificate. ** APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan. Certain restrictions may apply. |
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| Not to exceed term on Share Certificate | *3.00%+ Dividend Rate | $ VARIES |
Personal/Signature Loans
| Term | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| *Annual Percentage Rate (will vary based on the borrower’s credit score and selected term) Maximum loan amount is $20,000. Certain restrictions may apply. |
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| Up to 60 months | As low as 8.49% | $20.51 |
FICO Fit Loan (Credit Builder or Re-Builder)
| APR* | Term | Monthly Payment | Maximum Loan Amount |
|---|---|---|---|
| * Annual Percentage Rate | |||
| 8.50% | Up to 12 Months | $43.61 | $500 |
Line of Credit (Variable Rate)
| Term | Variable APR* | Maximum Variable Rate | Minimum Monthly Payment1 |
|---|---|---|---|
| *Annual Percentage Rate, subject to change. (Rates will vary based on the borrower’s credit score and selected term) 1 Current prime rate is 5.50%. Maximum unsecured limits apply. |
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| Revolving | As low as prime + 5.50% | 17.00% | 3.00% of outstanding balance, or $25 (whichever is greater) |
Overdraft Protection Line of Credit
| APR* | Maximum Loan Amount |
|---|---|
| * Annual Percentage Rate The minimum monthly payment will be 10.00% of the outstanding balance or $50, whichever is greater. |
|
| 17.00% | $500 |
Home Equity Loans
| Loan Type | Term | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| * Annual Percentage Rate. Rate adjusted quarterly based on prime rate plus 0.00%. 1. The home equity line of credit loan has a variable rate of prime plus 0.00% for the life of the loan. The rate is subject to adjust quarterly. Prime rate is 5.25% APR as of November 17, 2018. Hazard Insurance is required; flood insurance is required where necessary. Please consult your tax adviser for deductibility of interest and charges. We will lend up to 80% of the appraised value of your home, minus the first mortgage or 90% LTV if New Dimensions FCU is the first lienholder. Minimum credit line is $5,000. 2. HELOC minimum monthly payment will be the greatest of: (i) 1.50% of the line’s balance at the last advance, (ii) the amount of accrued finance charges, or (iii) $50. Minimum draw (or advance) amount of $500 at all times. Payments quoted above do not include taxes and/or insurance premiums. |
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| Home Equity Line of Credit (HELOC) | Revolving | As low as 5.25% variable1 Max. APR = 18% | Varies 2 |
| Fixed Rate Equity | 10 years | As low as 6.05% | $11.11 |
| Signature Equity - Home Improvement Loan | 10 years | As low as 6.80% | $11.49 |
Manufactured Home Loans
| Loan Type | Term | APR* | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| * Annual Percentage Rate (Rates will vary based on the borrower’s credit score and selected term) | |||
| New Manufactured Home (located on leased land) | 20 years | As low as 7.00% (Not to exceed 90% LTV) | $7.76 |
| Used Manufactured Home (located on leased land) | 20 years | As low as 8.00% (Not to exceed 85% LTV) | $8.37 |
Mortgage/Real Estate Loans
Rates listed below are for portfolio loans. Payments quoted below do not include taxes or insurance premiums. This means the actual monthly payment obligation may be greater than what is shown.
The credit union offers both secondary market and portfolio loan rates! Secondary market rates change daily. Please call 1-800-326-6190 for additional information.
| Term | Rate1 | APR* | Monthly Payment Per $1,000 Borrowed | Points |
|---|---|---|---|---|
| * APR = Annual Percentage Rate (Rates will vary based on the borrower’s credit score and selected term) 1 Rates are based upon a loan-to-value of no more than 80%, or 90% with private mortgage insurance (PMI). A down payment is only required if the desired loan amount is greater than 80% of the appraised value of the property. Financing is available for land, as well as seasonal/second homes. The maximum term for these loans is 15 years, and loan-to-value may not exceed 75%. |
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| Up to 10 years | As low as 4.75% | As low as 5.12% | $10.49 | 0.00 |
| Up to 15 years | As low as 5.00% | As low as 5.26% | $7.92 | 0.00 |
| Up to 20 years | As low as 5.75% | As low as 5.96% | $7.03 | 0.00 |
| Up to 25 years | As low as 6.00% | As low as 6.18% | $6.45 | 0.00 |
| Up to 30 years | As low as 6.25% | As low as 6.41% | $6.17 | 0.00 |