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Loan Rates

Loan Rates as of 12/16/2022

 

*Rate Requires Autopay from FD Community FCU draft account/Otherwise add .25% to rate. No points, no closing costs
For Mortgage Refinancing only.

To apply, or for more information, call us at 203-753-9201 or just stop by.

Home Equity Loan
Term Max. Loan to Value Rate* Max. Loan Amt Min. Loan Amount
5 Years 80% 5.250% $250,000 $7,500
10 Years 80% 5.500% $250,000 $7,500
15 Years 80% 5.750% $250,000 $7,500

* Lowest available rate. Rates based on credit history and qualification restrictions apply. All rates subject to change without notice. Contact us for more information.

Home Equity Line of Credit
Term Rate* Floor Max. Line
80% max. loan to value Prime minus 0.50% 3.00% $250,000

*Promotional Offer valid for New Money HELOC Accounts only. Promotional Rate of 4.99%. Following the introductory 12-month billing cycles, the fully indexed rate is as low as Prime minus .50% with a floor of 3.00%. Rates based on credit history and qualification restrictions apply. As of December 14, 2022, the Prime rate is 7.50%. 10 yr draw/15 yr repay.  All rates subject to change without notice. Maximum APR is capped at 18.00%. Property insurance required. No pre-payment penalties. NMLS #669541. All rates subject to change without notice. Contact us for more information.

Promotional Rate of 4.99% on new money and for 12 months only. Learn more.

 

Motor Vehicle Loan Rates
Model Year 36 Month APR 1 60 Month APR 1 Conditions
2020-Newer Model Year 3.75% 4.25% Also available
48 mo. term @ 4.00%
72 mo. term @ 5.50%
2013-2019 Model Year 4.75% 5.25%

48 mo. term @ 5.00%

72 mo. term @ 5.50%

 

Apply Now

***New/Used Auto Rates do not apply to existing FD Community Auto Loans***Rates stated are lowest available. Rates vary based upon term and applicant's personal credit history.  3.50%-Monthly payment per $1,000 borrowed is $29.31 for 3 years. Other rates and terms available. Rates based on credit history and term. Qualification restrictions
apply.Rates are stated in Annual Percentage Rate (APR).  1APR = Annual Percentage Rate
 

VISA Credit Cards
Type Purchases APR 1 Cash APR 1 Conditions
Visa Classic 8.95% 8.95% 25 day grace
3% of balance payment
Max line: $10,000
No annual fee
Visa Classic PLUS  12.25% 13.75%

Apply Now

 

Consumer Loan Rates
Type 36 Month APR 1 60 Month APR 1 Conditions
Signature 9.95% 9.95% none
Share Secured +3.0% over share type pledged +4.0% over share type pledged none

Apply Now

Rates stated are lowest available. Rates vary based upon term and applicant's personal credit history.
Rates are stated in Annual Percentage Rate (APR).
1APR = Annual Percentage Rate

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