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855-597-5766

 

Loan Rates

Effective August 1, 2014 (Rates are subject to change. Please contact the credit union for the most current and up-to-date rates).

Apply online or contact our Loan Officer at 443-844-3616 or 443-844-3593

*APR = Annual Percentage Rate. Rate quoted is the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history.

NEW CAR LOANS
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
APR* Term

Rates as low as**
Rates as low as**
Rates as low as**

1.99%
2.49%
2.99%

up to 60 months
61-72 months
73-84 months

 
USED CAR LOANS
Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.


Term (model years 2006 through 2013)
APR*
Rates as low as**
Rates as low as**
Rates as low as**
2.99%
3.49%
3.99%
up to 60 months
61-72 months
73-84 months
 
MOTORCYCLE, RV, ATV LOANS APR* Term
Rates as low as**
Rates as low as**
3.49%
3.99%
Up to 48 months
Up to 72 months
 
VISA CREDIT CARD APR* No annual fee
Classic 10.90%  
Gold -- cash rebates 9.90%  
Platinum -- ScoreCard rewards points 8.90%  
 
PERSONAL LOAN
As low as**
APR*
7.99%

$25,000 maximum; 60 months.
 
MORTGAGES (new and refinanced) offered through our service partner, Financial Security Consultants, Inc.


Rate



APR***
10-YEAR 3.00% 3.305%
15-YEAR 3.50% 3.741%
20-YEAR 3.75% 3.940%
30-YEAR 4.00% 4.139%

*** APR = Annual Percentage Rate. All APRs in mortgage rate examples above are based on a $200,000 loan amount and 80% Loan-To-Value (LTV). Rates effective 8/1/14 and are subject to change without prior notice. SAFCU NMLS#721558. Financial Security Consultants, Inc. is a service partner of Saint Agnes Federal Credit Union. Financial Security Consultants is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. Licensed in Pennsylvania by the Pennsylvania Department of Banking. NMLS #101557 (www.nmlsconsumeraccess.org)

 
BOAT LOAN APR* Details
New, as low as** 6.99% 10% down payment
New, as low as** 6.49% 20% down payment
Used, as low as** 7.99% Amount financed based on Wholesale Book Value

Term for new and used: 7 years up to $25,000; 10 years over $25,000.
No vessels over 5 ton net weight.

 
TUITION LOAN APR* Details
Rates as low as** 8.99% Borrow up to $10,000. Up to 48 month repayment. Check payable to school.
 
CHECKING OVERDRAFT
LINE OF CREDIT
APR*
15.00%
Borrow up to $500. An application and verification must be approved. Funds are transferred in increments of $100.
 
SHARE SECURED LOAN APR*
2% above current dividend rate
Up to 60 month repayment. Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed.
 
HOME EQUITY LINE OF CREDIT
Loan Amount a) 80% of appraised value less first mortgage
(Prime PLUS .25% APR**), OR
b) 90% of appraised value less first mortgage
(Prime PLUS 1% APR**)
For either loan amount: maximum = $150,000;
minimum = $10,000
Annual Percentage Rate (APR) -- Prime rate*** PLUS .25% (80% LTV), OR
-- Prime rate*** PLUS 1% (90% LTV)
For either: minimum = 3.00%; maximum = 18.00%
Draw Period 15 years (access with home equity checks); First Advance - $2,500 minimum / $500 increments thereafter
Closing Costs Credit union will pay closing costs. Minimum loan term is two years or reimbursement of closing costs is due to credit union.
Appraisal Fee: $125
Processing Time 3 to 4 weeks
 
HOME EQUITY LOAN (closed end)
Loan Amount Minimum - $10,000 / Maximum - $150,000;
90% of appraised value less first mortgage.
Rates as low as** 5-year loan - 3.99% APR*
10-year loan - 4.49% APR*
15-year loan- 4.99% APR*
Closing Costs Credit union will pay closing costs. Minimum loan term is two years or reimbursement of closing costs is due to credit union.
Appraisal Fee: $125
Processing Time 3 to 4 weeks

*APR = Annual Percentage Rate
**Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history.
***Prime rate as published at www.moneycafe.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate.