|
|
 |
 |
 Loan Rates |
| Effective:
01/31/2008
|
All
rates and terms are based on applicants credit score and are subject to change
at BACU’s discretion
|
Cars, Trucks, Vans, Motor Cycles
|
|
|
24 Months |
36 Months |
48 Months |
60 Months |
|
|
As low as 5.99% APR |
As low as 6.24% APR |
As low as 6.49% APR |
As low as 6.74% *APR |
| APR = Annual Percentage Rate |
| *Add 1% to Loan rate for 72 Months. Value Must Exceed $20,000 to Extend to 72 months. Contact the Credit Union for Additional terms. |
Snowmobiles, ATVs, Off Road Motorcycles, Campers, Travel Trailers, Boats & Motorhomes
|
| Rate is 1.00% higher than rates listed above. |
Real Estate
Secondary Market
|
| 15, 20, and 30 year Fixed Rate Mortgages - Minimum 3% - 5% down payment available |
|
No down payment loans available to qualified borrowers. |
|
|
|
|
In-House Mortgage
First Mortgages
|
|
|
|
|
|
|
|
Up to 30 Year Terms |
|
|
|
|
|
1 Year Adjustable Rate Mortgage (*ARM) |
80% LTV |
As low as 5.50% APR |
|
|
|
|
90% LTV |
As low as 5.75% APR |
|
|
|
3 Year Adjustable Rate Mortgage (*ARM) |
80% LTV |
As low as 5.70% APR |
|
|
|
|
90% LTV |
As low as 5.95% APR |
|
|
|
*ARM Adjustable Rate Mortgage |
|
|
|
|
|
*APR = Annual Percentage Rate |
|
|
|
|
|
*LTV Loan to Value |
|
|
|
|
|
Please contact the Credit Union for other rates and terms |
|
|
|
|
|
Down payment may be required. |
|
|
|
|
Home Equity Loans / Second Mortgages
|
|
5 Year Balloons-20 Year Max. Amortization |
80%LTV |
As low as 6.70%APR |
|
|
|
|
90%LTV |
As low as 6.95%APR |
|
|
|
|
100%LTV |
As low as 7.45%APR |
|
|
|
*LTV= Loan to Value |
|
|
|
|
|
*APR = Annual Percentage Rate |
|
|
|
|
|
Call the Credit Union for additional rates and terms |
|
|
|
|
Home Equity Line of Credit (HELOC)
|
|
|
|
$25.00 Annual Fee |
|
|
|
|
80% LTV |
Prime APR |
|
|
|
|
90% LTV |
Prime + 1 APR |
|
|
|
|
100%LTV |
Prime + 2 APR |
|
|
| This is a variable rate, rate may change after account is opened. Maximum annual percentage rate is 18%. |
| Property Insurance required |
|
*LTV= Loan to Value |
|
|
|
|
|
*APR = Annual Percentage Rate |
|
|
|
|
New Construction
|
|
6 Month Note-6.25% *APR |
|
|
|
|
Vacant Land
|
|
|
Lot Loan*: as low as 6.24% *APR |
|
|
|
|
|
Land Loan: as low as 6.24% *APR |
|
|
|
|
|
*access to municipal utilities |
|
|
|
Mobile Home Loan
|
|
Purchase or Refinance (20% Down Required) |
|
|
|
|
|
3 year Balloon - as low as 10.00% *APR |
|
|
|
|
|
|
|
|
|
|
|
Amortized over 10 To 15 Years, depending on the age of the Mobile Home |
|
|
|
|
Other Loan Rates
|
|
Kwik Cash |
Signature |
Share Secured |
|
|
|
15% |
As low as 10.00% APR |
2% margin earned on investment rate. |
|
|
|
*APR = Annual Percentage Rate |
|
|
|
|
This site is brought to you by Best Advantage Credit Union. For your convenience, this site includes links to third parties. Best Advantage Credit Union does not endorse or guarantee these third party sites. The products and services offered on third party sites are not products of Best Advantage Credit Union and may not be insured by the NCUA or FDIC. Best Advantage Credit Union does not maintain or control privacy or security on these sites, and as such, makes no guarantees as to the privacy of any information you may provide or disclose while on these sites.
|
