The following rates are current as of the below date and are subject to change without notice. Rates are based on the best risk score, your rate may be different. Rates and term will be confirmed by Aldenville Credit Union upon receipt of application and credit report.
 
Mortgage APR's assume a down payment of 20% and a loan amount of $100,000. Mortgage with a loan-to-value over 80% require Private Mortgage Insurance.
 
Mortgage rates assume a first lien mortgage on purchased or refinanced owner-occupied residences only, as well as new construction mortgages for owner occupied primary residence.

OUR SPHERE OF OPERATION IS LIMITED TO THE SPRINGFIELD METROPOLITAN STATISTICAL AREA.
WHICH IS PRIMARILY HAMPDEN AND HAMPSHIRE COUNTY MASSACHUSETTS

Our Rates vary based on Credit Score. Your rate may be higher.
Rates are subject to change without notice.
Fixed Rate Loans

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Fixed Rate Mortgage Loans
10 Year Fixed Rate   0.000 5.250% 5.254% $10.73
15 Year Fixed Rate   0.000 5.250% 5.253% $8.04
20 Year Fixed Rate   0.000 5.500% 5.502% $6.88
25 Year Fixed Rate   0.000 5.500% 5.502% $6.14
30 Year Fixed Rate   0.000 5.500% 5.502% $5.68

 
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Adjustable Rate Loans

Rates as of Friday, July 30, 2010
Product Description Origination Fee Interest Rate APR Payment per $1,000 Apply
Adjustable Rate Loans

Home Equity Loans

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Home Equity Loans - 80% LTV
Maximum $250,000.00**
5 Years   0.000 6.250% 6.250% $19.45
10 Years   0.000 6.250% 6.250% $11.23
15 Years   0.000 6.250% 6.250% $8.57
20 Years   0.000 6.250% 6.250% $7.31


 Home Equity Line of Credit 
Maximum $250,000.

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Home Equity Line of Credit - 80% LTV
Maximum $250,000.00**
Home Equity Line of Credit
  		0.000 4.250% 4.250% $6.19

  
Auto Loans - New and used Maximum $50,000.
Restrictions Apply - Discounted rate available for direct deposit and automatic withdrawal

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Auto Loans - New or used Maximum $50,000.00*
Restrictions Apply-Discounted rate available for direct deposit and automatic withdrawal
24 Months*   0.000 4.490% 4.490% $43.64
36 Months*   0.000 4.490% 4.490% $29.74
48 Months*   0.000 4.490% 4.490% $22.80
60 Months*   0.000 4.490% 4.490% $18.64

 
Motorcycle Loans - New or Used - Maximum $40,000.
Restrictions Apply

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Motorcycle Loans - New or Used - Maximum $40,000.
Restrictions Apply
24 Months   0.000 8.750% 8.750% $45.57
36 Months   0.000 8.750% 8.750% $31.68
48 Months   0.000 8.750% 8.750% $24.77
60 Months   0.000 8.750% 8.750% $20.64

Recreational Vehicles - New or Used - Maximum $40,000.00
Restrictions Apply

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Recreational Vehicles - New or Used - terms to 60 months
Minimum Loan Amount $7,500.00
24 Months   0.000 8.750% 8.750% $45.57
36 Months   0.000 8.750% 8.750% $31.68
48 Months   0.000 8.750% 8.750% $24.77
60 Months   0.000 8.750% 8.750% $20.64

Rate and Term is based on Risk Score
 


Personal Loans - Maximum $5,000.00

Rates as of Friday, July 30, 2010
Product Description Points Interest Rate APR Payment per $1,000 Apply
Personal Loans - terms to 48 Months
24 Months term   0.000 9.500% 9.500% $45.91
36 Months term   0.000 9.500% 9.500% $32.03
48 Months term   0.000 9.500% 9.500% $25.12

 

Due to market fluctuations programs, rates and terms and conditions are subject to change without notice.

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