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Tasas de préstamo

Préstamos para hipotecasLearn More

Préstamos por patrimonio inmobiliarioLearn More

Préstamos por patrimonio inmobiliario Rate APR1 Term Points Pago/$1,000
80% LTV o menos 5.00% 5.00% 3/1 ARM 0 $7.91
80% LTV o menos 5.75% 5.75% 84 mesos o menos2 0 $14.49

 

1 Example for APR used above: $20,000.00 3/1 ARM amortized over 15 years with $550.00 in closing costs. Loan rates are subject to qualified credit. Rate will be fixed for the first three years and then becomes a variable rate that can adjust up to 2% every 12 months with a max adjustment of 5% from the original rate. Please contact a loan officer for more details, terms and conditions. Some restrictions apply.

2 Fixed rates are available for loans of less than $100,000.00 that will amortize in 84 months or less. This APR assumes a $20,000.00 amortized over 84 months with $550.00 in closing costs. 

Línea de crédito (HELOC) por patrimonio inmobiliarioLearn More

Type APR Points
Primera hipoteca - 80% LTV as low as 4.25% 0
Primera hipoteca - 90% LTV as low as 4.75% 0
Segunda hipoteca - 80% LTV as low as 4.75% 0
Segunda hipoteca - 90% LTV as low as 5.00% 0

Some restrictions apply. Loan rates are subject to qualified credit.

LTV = Loan to Value

Rate is subject to change on the first day of each month following any change in the prime rate as published in the Wall Street Journal. Maximum rate 18.%. Payments are 1.25% of balance or $125, whichever is greater. 

Hipoteca de refinanciamiento rápido (Rapid Refinance)Learn More

Término Tasa TAE Pago/$1,000
Tasa fija de 8 años 3.75% 4.074%1 $12.072
Tasa fija de 12 años 4.00% 4.224%1 $8.752

 

APR =Annual Percentage Rate. Example of APR is based on $20,000 loan with $200 in closing costs. Appraisal fee and title insurance, if required is not included and will be an additional charge.  Rapid Home Refi is available to refinance home loans of $250,000 or less with maximum loan to value ratio of 80%. Qualifying credit score is required. Available on single family, owner occupied primary residences. Other restrictions may apply. Rates and terms are subject to change.

Payment is based on rate and term shown. The payments do not include amounts for taxes and insurance and if included the actual payment will be greater because of these additional payments.

Prestamos personalesLearn More

Type APR Pago/$1,000
Up to 36 months ($1,000 o menos) as low as 6.75% $30.77
Up to 36 months ($1,000+) as low as 6.75% $30.77

Some restrictions apply. Loan rates are subject to qualified credit.

Tasas para autos nuevosLearn More

Término APR Pago/$1,000
Hasta 36 meses tan solo 3.34% $29.23
Hasta 48 meses tan solo 3.44% $22.33
Hasta 60 meses tan solo 3.54% $18.21
Hasta 72 meses tan solo 3.64% $15.48
Hasta 84 meses tan solo 5.64% $14.44

 

Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Tasas para autos usadosLearn More

Término APR Pago/$1,000
Hasta 60 meses (2015-2018) tan solo 4.24% $18.53
Hasta 60 meses (2013-2014) tan solo 4.74% $18.75
Hasta 60 meses (2011-2012) tan solo 5.24% $19.98
Hasta 36 meses (2010 y antes) tan solo 5.59% $30.24

 

Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Préstamos de casa móvil

Type APR Pago/$1,000
modelos de 2018 a 2017 as low as 6.44% $19.54
modelos de 2012 a 2016 as low as 6.94% $19.77
modelos de 2011 y antes (demanda de 3 años hasta 15 años) as low as 7.94% $20.25

 

Mobile homes require a 20% down payment. Maximum Loan Amount = $53,000.00. Term may be limited based upon age of home and credit history. Some restrictions apply. Loan rates are subject to qualified credit. Payment per $1,000 based on 60 months.

Otros préstamos personales

Type APR
Acciones, bonos o seguro de vida (asegurado)1 as low as 5.95%
Certificado de FCCU préstamos garantizado2 3.95% over the collateralized CD
Kwik Cash Linea de crédito3 as low as 9.90%

Some restrictions apply. Loan rates are subject to qualified credit.

1 On stock secured loans, the loan will be for a maximum of 50% of the current market value of the stocks securing the loan.

2 The term of the loan will be set to match the Certicate term.

3 Kwik cash payment is set at 5% of the outstanding balance, or $15, whichever is more, and is recalculated each time a draw is taken. All Kwik cash payments are due on the 28th of the month.

Motocicleta / ATV / Moto para la nieve

Term APR Pago/$1,000
Up to 60 months as low as 5.19% $18.96

 

Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Vehículos recreativosLearn More

Término TAE Pago/$1,000
Up to 60 months as low as 5.19% $18.96
Up to 72 months1 as low as 5.69% $16.43
Up to 84 months1 as low as 6.19% $14.70

 

APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Must be current model year or previous year NEW

Barcos

Termino TAE Pago/$1,000
Hasta 60 meses tan solo 5.19% $18.96
Hasta 72 meses1 tan solo 5.69% $16.43
Hasta 84 meses1 tan solo 6.19% $14.70

 

Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Must be current model year or previous year NEW

Préstamos para construcción

Tipo Tasa TAE Pago/$1,000
Construcción - 9 meses interés sólo 1 1.25% 1.25% n/a
Lot - 3 años ARM2 5.00% 5.00% $29.97
Lot - 15 años fija 5.75% 5.75% $8.30

 

1 Interest only payments do not include funds for taxes and insurance. Please be sure to account for these amounts on your own.

2 15 Year Amortization

Préstamos de Energía Solar

Termino TAE Pago/$1,000
Hasta 60 months 6.00% $19.33

Some restrictions apply. Loan rates are subject to qualified credit. Rate is fixed.

Tasas de depósito

Certificados/IRAs - venta especialLearn More

Term Minimum to Open Rate APY
15 Month1 $250 1.99% 2.00%
35 Month2 $250 2.38% 2.40%

 

1 Interest accrues quarterly and renews for 12 months. Certificates may have penalty for early withdrawal.

2Interest accrues quarterly and renews for 36 months. Certificates may have penalty for early withdrawal.

 

Certificados / IRAsLearn More

Term Rate APY Minimum to Open
91 Day 0.40% 0.40% $500
182 Day 0.60% 0.60% $500
12 Month 1.00% 1.00% $250
18 Month 1.10% 1.10% $250
24 Month Step Up 1.19% 1.20% $250
30 Month 1.29% 1.30% $250
36 Month 1.39% 1.40% $250
48 Month 1.49% 1.50% $250
60 Month 1.59% 1.60% $250
Passbook IRA / Certificate 0.75% 0.75% $5

Penalty for early withdrawal. Any share certificate may be used for IRA.

Ahorros y Cheques

Account Minimum to Open Rate APY
Cuenta de ahorros regular $25 0.15% 0.15%
Cuenta de ahorros empresarial $25 0.10% 0.10%
Club de Navidad $5 0.25% 0.25%
Cuenta de ahorros Change-Up $0 1.98% 2.00%
Cuenta de cheques con dividendos $1,000 0.10% 0.10%
Sorteos para ahorradores (Saver's Sweepstakes™) $25 0.25% 0.25%

 

Cuenta del mercado monetarioLearn More

Balance Rate APY
$1 - $1,999.99 0.08% 0.08%
$2,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $99,999.99 0.85% 0.85%
$100,000+ 1.10% 1.10%

Saldo de la cuenta de HSALearn More

Balance Rate APY
Menos que $500 0.00% 0.00%
$500 - $2,499 0.30% 0.30%
$2,500 - $4,999 0.70% 0.70%
$5,000 - $14,999 0.90% 0.90%
$15,000 y arriba 1.14% 1.15%
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 9/1/2018. The Annual Percentage Yield is accurate as of the Effective Date. A penalty may be imposed if you withdraw any of the funds before the maturity date. Rates are subject to change without notice. Fees may reduce the earnings on all accounts. Rates may change after account is opened. This credit union is insured by the National Credit Union Administration – A U.S. Government Agency. Please call us at (920) 563-7305 for current rate information.