Auto, Truck & Motorcycle
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
2.75% |
Introductory First 6 Months
1.99%
After Introductory Period
Prime + 1.00%
|
|
25 – 36 |
4.25% |
|
37 – 48 |
4.75% |
|
49 – 60 |
5.00% |
|
61 – 72 |
5.50% |
|
73 – 841 |
5.75% |
|
|
Boat and RV
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
6.50% |
Introductory First 6 Months
3.75%
After Introductory Period
Prime + 3.00%
|
|
25 – 36 |
6.50% |
|
37 – 48 |
6.50% |
|
49 – 60 |
6.75% |
|
61 – 72 |
7.00% |
|
73 – 84 |
8.00% |
|
85 – 120 |
8.50% |
|
|
Outdoor Activity
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
7.25% |
Introductory First 6 Months
3.75%
After Introductory Period
Prime + 4.00%
|
|
25 – 36 |
7.25% |
|
37 – 48 |
7.50% |
|
49 – 60 |
7.75% |
|
|
Personal Unsecured
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
8.25% |
Introductory First 6 Months
3.75%
After Introductory Period
Prime + 6.00%
|
|
25 – 36 |
12.25% |
|
37 – 48 |
13.25%
|
|
49 – 60 |
13.25% |
|
|
CU Education Loan
|
|
Index/Margin*** |
APR* |
|
Private School or College Loan |
Prime + 2.00% |
6.25% |
|
|
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
APR* |
|
Revolving |
Prime + 10.00% |
14.25% |
|
|
Savings Secured Loan
|
|
Annual Percentage Rate |
|
Up to 60 Months |
4.25% |
|
|
Savings Secured Line of Credit
|
|
APR* |
|
Revolving |
9.90% |
|
Monthly Payment are calculated by costs per $100 of amount financed: |
|
$0.01 - $4000.00 |
$3.50 |
|
$4000.01 - $6000.00 |
$3.00 |
|
$6000.01 - $8000.00 |
$2.50 |
|
$8000.01 and over |
$2.40 |
|
|
Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
|
Up to 36 Months |
Certificate Rate + 3.00% |
|
|
Home Equity Line of Credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
80% Loan to Value (CLTV) |
Introductory First 12 Months
3.50%
After Introductory Period
Prime + 1.00% |
|
Term: Up to 25 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50% |
|
|
Home Equity Loan
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 15 years |
80% Loan to Value (CLTV) |
3.99% |
|
Up to 20 years |
100% Loan to Value (CLTV) |
6.75%
|
|
|
Home Improvement
|
Term |
Maximum Amount |
Annual
Percentage Rate |
|
Up to 20 years |
133% Loan to Value (CLTV) |
10.00% |
|
7 years |
$15,000 |
9.24% |
|
6 years |
$15,000 |
7.99% |
|
5 years |
$15,000 |
7.74% |
|
4 years |
$15,000 |
7.49% |
|
3 years |
$15,000 |
7.24% |
|
|
Purchase Money Second Mortgage
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
|
|
MOrtgages
SPECIAL LOW DOWN PAYMENT PROGRAMS AVAILABLE
Thank you for considering the credit union for your mortgage and home loan needs. Limited time special, we are offering a special promotion with a value up to $400 to refund the appraisal fee at closing for your home loan. Whether you are looking to refinance an existing loan, upgrade or buy your first home we have all the loan programs available to help.
You find your home and we’ll take care of the mortgage. With flexible options and competitive rates, we have a mortgage for everyone. And the best part is, you get the best in mortgage servicing and processing from friendly, local professionals. Buying a home is an exciting process. We want to be a part of that process and have a mortgage that fits your needs.
Coupon
|
Mortgage Options |
Benefits |
Details |
|
Limited Time Promotion
Low Down Payment Program
Apply
|
If you have dreamed of owning your own home now is the time. Offering a special low down payment option and no Private Mortgage Insurance (PMI) expense. This saves borrowers from additional monthly expenses that are standard with low down payment programs.
Program available for First Time Buyers as well as current homeowners.
Refinances also welcome in this special promotion. Promotion may be discontinued at any time. |
Term:
Up to 30 Years
Down Payment:
As Low as 5% Down
Promotion Details:
PMI Waived for Qualifying Borrowers
Appraisal Fee Refunded at Closing
Additional points may be assessed.
Apply to Get Started or
Call 518.583.2323 x 778
Rates |
|
Conventional Fixed Rate
Apply
|
Fixed rate loan available for new purchase or refinancing. No PMI and cash out options are available for 1 to 4 family units. |
Term:
Up to 30 Years
Down Payment:
20%
More Details:
PMI may be required for Loan to Value (LTV) greater than 80%.
Rates
|
|
Adjustable Rate Mortgage (ARM)
Apply
|
Loans begin with a fixed rate for the initial term and then adjust according to a defined index.
|
Term:
Up to 30 Years
Down Payment:
20%
More Details:
PMI may be required for Loan to Value (LTV) greater than 80%.
Rates
|
|
Federal Housing Administration (FHA)
Apply
|
Flexible credit requirements and low down payment requirements can help first time buyers purchase their first home.
|
Term:
Up to 30 Years
Down Payment:
3.50%
More Details:
Lower maximum loan amounts.
Upfront and monthly mortgage insurance premium required.
Rates
|
|
Home Possible
Apply
|
Low down payment requirements and reduced mortgage insurance coverage levels can make this option a preferred choice among first time home buyers.
Financing for a variety of home options including 1 to 4 unit primary residence, condos, PUD and manufactured homes (with restrictions).
|
Term:
Up to 30 Years
Down Payment:
5.00%
More Details:
Eligibility requirement based on income.
Rates
|
|
Home Possible Advantage
Apply
|
First time home buyers prefer the low down payment option and find
financing for a variety of home options including 1 to 4 unit primary residence, condos and PUD.
|
Term:
Up to 30 Years
Down Payment:
3.00%
More Details:
Eligibility requirement based on income.
Rates
|
Purchase Money Second Mortgage
Apply
|
This program allows you to obtain the money you need to purchase a new home without having to deplete your savings. |
Term:
Up to 30 Years
Down Payment:
0.00%
More Details:
Loan limit up to $250,000
Rates
|
|
VA
Apply
|
A Federal VA mortgage allows qualified veterans to purchase a new home with no down payment. A fixed rate provides the security of a monthly payment that will not change.
|
Term:
Up to 30 Years
Down Payment:
0.00%
More Details:
VA funding fee required.
Rates
|
|
United States Department of Agriculture (USDA)
Apply
|
USDA loans allow for 100% financing of the property’s value with no down payment. Loans are insured by the USDA. Flexible credit requirements.
|
Term:
30 Years
Down Payment:
0.00%
More Details:
Eligibility requirement based on income and property location. Upfront Guarantee Fee required.
Rates
|
|
Investment Property
Apply
|
Good option for individuals who are looking to rent out a portion of their home to tenants. Available for 1-4 family, owner occupied residence.
|
Term:
Up to 30 Years
Down Payment:
20.00%
More Details:
Property must be owner occupied.
Rates
|
Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using the search box below, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list will show you several approved agencies in your area.
Resources
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Buying a home is an exciting process full of challenges and rewards. Let us be your guide through this process. Visit our Mortgage Center for FAQ’s, rates, online application and more.
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You know that you need home insurance, but how do you get the best deal? Through our relationship with Liberty Mutual Insurance, we can get you a free, no obligation quote.
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How much mortgage can you afford? Use our calculator to help budget in a mortgage payment and see what kind of home you can afford.
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