| LENDING PROGRAMS |
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| MORTGAGE LOANS |
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| HOME EQUITY LOANS |
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| AUTO/VEHICLE LOANS |
| OVERDRAFT PROTECTION |
| PERSONAL |
| PASSBOOK |
| Visa® Card |
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| 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 5 or 7 year fixed rate to variable rate mortgages. |
- VA and FHA
- Multi-family Residences
- Vacation & Second Homes in New England & Florida
- Low Down Payments
- Single Closing Construction and Rehab to Permanent Financing
- First-Time Homebuyers
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All Credit Considered |
Rates as of Friday, July 3, 2009
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10 Year Fixed Rate
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0.000
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5.500%
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5.504%
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$10.85
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15 Year Fixed Rate
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0.000
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5.875%
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5.878%
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$8.37
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20 Year Fixed Rate
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0.000
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6.000%
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6.002%
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$7.16
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25 Year Fixed Rate
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0.000
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6.125%
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6.127%
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$6.52
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30 Year Fixed Rate
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0.000
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6.250%
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6.252%
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$6.16
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40 Year Fixed Rate
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0.000
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6.500%
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6.502%
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$5.85
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Rates as of Friday, July 3, 2009
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5/1 ARM
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0.000%
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5.375%
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5.377%
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$5.60
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7/1 ARM
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0.000%
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5.625%
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5.627%
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$5.76
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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. |
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HOME EQUITY LINES OF CREDIT (variable rate) |
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You can borrower up to 70% 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 will be billed for interest on the outstanding balance plus a percentage of the principal. Rates and programs vary based on Risk Score and equity. We offer a below Prime rate program. |
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Rates as of Friday, July 3, 2009
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Home Equity Line of Credit
Prime Minus (-)1.00% Floor of 6.00%
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0.000
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6.000%
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6.000%
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$7.16
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Property insurance sufficient to cover collateral replacement value is required. |
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HOME EQUITY LOANS (fixed rate) |
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You can borrow up to 70% 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 term. The maximum term is 240 months. Discounted rate for direct deposit and/or automatic withdrawal. |
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Rates as of Friday, July 3, 2009
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5 Years
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0.000
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6.250%
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6.250%
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$19.45
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10 Years
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0.000
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7.250%
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7.250%
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$11.74
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15 Years
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0.000
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8.000%
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8.000%
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$9.56
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20 Years
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0.000
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8.750%
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8.750%
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$8.84
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| Property insurance sufficient to cover collateral replacement value is required. |
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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 60 months, and remember, the shorter the term, the lower the annual percentage rate. Some boat and RV loans can have terms up to 180 months. Rate is based on risk score and term. Discounted rate for direct deposit and/or automatic withdrawal. |
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Rates as of Friday, July 3, 2009
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24 Months*
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0.000
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5.000%
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5.000%
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$43.87
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36 Months*
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0.000
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5.250%
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5.250%
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$30.08
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48 Months*
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0.000
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5.750%
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5.750%
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$23.37
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60 Months*
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0.000
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6.250%
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6.250%
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$19.45
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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. |
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| 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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Apply
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| OVERDRAFT PROTECTION |
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Want to have Overdraft Protection on your Aldenville Credit Union Account? |
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Apply On-Line |
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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. |
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UNSECURED TERM NOTE |
| Based on risk score and term, rate will be between 9.00% and 18.00%. Maximum term is 48 months. Maximum loan amount is $5,000.00. Discounted rate for direct deposit and/or automatic withdrawal. |
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UNSECURED DEMAND NOTE |
| Rate is 18.00% for 30, 60 or 90 days. |
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Rates as of Friday, July 3, 2009
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24 Months term
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0.000
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9.000%
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9.000%
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$45.68
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36 Months term
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0.000
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10.000%
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10.000%
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$32.27
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48 Months term
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0.000
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11.000%
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11.000%
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$25.85
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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. |
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Current Savings Rates |
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| Visa® Card |
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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.
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| Visa® Card Credit Limits |
- Classic: $7,500.00
- Gold: $20,000.00
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| Your Rate May be different. |
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| Talk with a loan representative for complete details. |
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