Mortgage - Home Purchase

Today's Mortgage Rates

Home Equity Loan

Term	Max. Loan to Value	Rate*	Max. Loan Amt	Min. Loan Amt
5 Years	80%	5.24%	$250,000	$7,500
10 Years	80%	5.74%	$250,000	$7,500
15 Years	80%	6.24%	$250,000	$7,500

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APR = Annual Percentage Rate

5 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 5.24% interest rate, the APR for this loan type is 5.240%. The estimated monthly payment schedule would be: 60 payments of $1,898.14.

10 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 5.74% interest rate, the APR for this loan type is 5.740%. The estimated monthly payment schedule would be:120 payments of $1,097.19

15 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 6.24% interest rate, the APR for this loan type is 6.240%. The estimated monthly payment schedule would be:180 payments of $856.88

 

Application Fee: $0.00

Closing Fees: $0.00

Annual Fee: $0.00

Home Equity Line of Credit

Term	Rate*	Floor	Max. Line
80% max. loan to value	Prime minus 0.75%	3.00%	$250,000

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Fully indexed rate is as low as Prime minus .75% with a floor of 3.00%. Rates based on credit history and qualification restrictions apply. As of Janurary 1st, 2025, 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.

Auto Loan Rates

Model Year	36 Month APR1	60 Month APR1	Conditions
2022 & Newer	4.49%	4.74%	Also available 48 mo. term @ 4.64% 72 mo. term @ 5.24%
2015-2021	5.49%	5.99%	Also available 48 mo. term @5.74% 72 mo. term @ 6.49%

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Vehicle loans are available for the purpose of purchasing a new or used vehicle, refinancing an existing vehicle loan, or purchasing a currently leased vehicle. Existing FD Community FCU loans are not eligible. Vehicles with rebranded titles (total loss, flood, rebuilt, etc.) are not eligible for financing.

Vehicle loan rates are stated as Annual Percentage Rates (APR). Rates based on credit history and qualification restrictions apply. All rates are subject to change without notice. Rates may range from 4.49% to 15.50% depending on the vehicle model year, credit history, and reflects a .25% discount for automatic payments from an FD Community FCU account. Other rates and terms available.  Payment example for a borrower with top tier credit: For a term of 60 months at a rate of 4.74% the estimated monthly payment is $18.76 per $1,000.00 borrowed. Rates, monthly payments, and examples are estimates and provided as a courtesy only.

VISA Credit Cards

Type	Purchases APR1	Cash APR1	Conditions
Visa Classic	8.95%	8.95%	3% of balance payment Max line: $20,000 No annual fee No balance transfer fee
Visa Classic PLUS	12.25%	13.25%	3% of balance payment Max line: $20,000 No annual fee No balance transfer fee

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Consumer Loan Rates

Type	36 Month APR1	60 Month APR1	Conditions
Signature	7.99%	9.99%	None
Share Secured	+3.0% over share type pledged	+4.0% over share type pledged	None

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Personal loan rates are stated as Annual Percentage Rates (APR). Rates based on credit history and qualification restrictions apply. All rates are subject to change without notice.

Lowest available rate.  Rates based on credit history and qualification restrictions apply. All rates subject to change without notice. Rate is determined by your credit history and term. Rates may range from 7.99% to 19.50% depending on credit history and reflects a .25% discount for automatic payments. Other rates and terms available. Payment example for a borrower with top tier credit: For a term of 60 months at a rate of 9.99% the estimated monthly payment is $21.25 per $1,000.00 borrowed. Rates, monthly payments, and examples are estimates and provided as a courtesy only.

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