LENDING PROGRAMS

MORTGAGE LOANS

FIXED RATE ADJUSTABLE RATE CONSTRUCTION LOANS

HOME EQUITY LOANS

HOME EQUITY LINES OF CREDIT HOME EQUITY LOANS

AUTO/VEHICLE LOANS

OVERDRAFT PROTECTION

PERSONAL

PASSBOOK

Visa® Card

MORTGAGES

When you’ve found that special home, come in and talk with our mortgage specialists. We offer 10, 15, 20, 25, 30 and 40 year Fixed Rate Mortgages, Variable Rate Mortgages with either a one or three year review, and 5 or 7 year fixed rate to variable rate mortgages.

VA and FHA 100% Financing on Refinancing Multi-family Residences Investment Property 100% Stated and No Ratio Loans Vacation & Second Homes in New England & Florida Zero Down and Low Down Payments The One Loan Construction and Rehab to Permanent Financing First-Time Homebuyers

All Credit Considered

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HOME EQUITY PRODUCTS- No Closing Costs

Take advantage of your biggest asset - your home. The amount you can borrow depends on the amount you need and the equity you’ve already established in your home. Whether your goal is home improvement, debt consolidation, college education expenses, even a new car or dream vacation, you have the freedom to use the money any way you want.

HOME EQUITY LINES OF CREDIT (variable rate)

You can borrower up to 80% of the appraised value of your home, less the amount due on your first mortgage, not to exceed $250,000.00.  There is a 10 year draw period, with a 10 year repayment period.  During the first 10 years you can choose to pay interest plus principal or just interest.  Rates and programs vary based on Risk Score and equity.  We offer a below Prime rate program.

HOME EQUITY LOANS (fixed rate)

You can borrow up to 80% of the appraised value of your home, less the amount due on your first mortgage, not to exceed $250,000 at a fixed rate.  Rates are based on Risk Score and equity.  The maximum term is 240 months.

SEE OUR LIMITED TIME "HOME EQUITY LOAN SPECIAL" You can save .75% off of our regular rates, when you set up an direct deposit of your payroll check into the Credit Union and we do an automatic withdrawal of the payment from that account.  Click the Rates & Calculator button at the top of this page and scroll down to see the Home Equity  Special Rates.

Property insurance sufficient to cover collateral replacement value is required.

AUTO/VEHICLE LOANS   Discounted rate for direct deposit and automatic withdrawal

Car, Truck, Boat, RV and Motorcycle Loans, New and Used. See us first. Find out how much you're eligible to borrow. Then shop around and look for your best deal on the vehicle you want. You're in the driver's seat, because you decide the length of the loan. Take anywhere from 24 months to 84 months, and remember, the shorter the term, the lower the annual percentage rate. Some boat and RV loans can have terms up to 240 months.

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Know What You're Buying

Millions of used cars have costly hidden problems, some of which even your dealer may not be aware of: Salvage history, odometer fraud, major accident damage, flood or fire damage and more. For a modest $10 fee, we'll verify the history of any vehicle you're considering. And when you get your loan through us, we'll refund the fee.

CONSTRUCTION

Build the home of your dreams with a single loan. Our One Loan is a construction loan and a mortgage rolled into one easy loan. You'll know your rate right from the start. Your rate is locked in at the time of application for up to 60 days.

The One Loan can be either a fixed rate or a variable rate mortgage up to 30 years. Speak with an Aldenville Credit Union mortgage loan specialist for complete details.

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OVERDRAFT PROTECTION

Want to have Overdraft Protection on your Aldenville Credit Union Account?

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PERSONAL

Use our unsecured installment loans for just about anything. These are fixed rate loans that allow you to budget exact monthly payments. Finance an unexpected expense, pay for college, a new computer, an exotic getaway, or consolidate your bills and leave yourself with only one monthly, manageable payment.

UNSECURED TERM NOTE

Based on Risk Score rate will be between 10.00% and 18.00%.  Maximum term is 48 months.

UNSECURED DEMAND NOTE

Rate is 18.00% for 30, 60 or 90 days.

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PASSBOOK LOANS

Get a Passbook Loan. It's a secured, low-rate alternative to personal borrowing. Secured by your Aldenville Credit Union Passbook, repayment is through low monthly payments.

Minimum rate 7.00% or 3.00% above rate on collateral, whichever is greater.  Maximum loan amount is 90% of available balance.

Current Savings Rates

Visa® Card

Many credit cards mislead you with low introductory interest rates and special rebates. What they don’t tell you is that these offers are for very limited durations. Watch out for higher interest rates that follow. The APR can more than double!

Not at Aldenville Credit Union. We keep our VISA® rates low, all the time. So that the affordable purchases you make won’t become extravagant luxuries when you figure in the interest. Our rates are based on credit scores. Your good credit helps you get a low interest rate! The VISA® rate is based on the prime rate and adjusts as the prime rate changes.

NOTE: Prime is variable and rates are subject to change as prime changes. The prime rate used in determining our rates is the rate published on the last business day of the month in the Wall Street Journal.

Visa® Card Credit Limits

Classic:    $7,500.00 Gold:      $20,000.00

Your Rate May be different.

Talk with a loan representative for complete details.