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Use our Loan Calculator to find out how much you can afford to borrow.
Check out these other useful links:
New & Used Auto Loans*
(Effective: May 1, 2008)
|
Program
|
Term
| APR
| Monthly Payments
per $1000 borrowed
|
New and Late Model Auto
| (2004 and newer
Minimum loan amount for 72 month term: $20,000.) |
|
12 months
| 5.000%
| $85.80
| 24 months
| 5.000%
| $43.84
| 36 months
| 5.500%
| $30.20
| 48 months
| 6.000%
| $23.49
| 60 months
| 6.250%
| $19.45
| 72 months
| 6.750%
| $16.93
| 84 months
| 7.750%
| $15.47
|
|
Used Auto
| (2003 and older.
Term based on year and make.
Rate Reflects .25% for ea of the following services maintained: Visa Credit, Visa
Debit, and Direct Deposit) |
|
48 months
| 7.500%
| $24.19
|
|
*Annual Percentage Rate (APR) subject to change.
CREDIT SCORE, LENGTH OF EMPLOYMENT, AND ABILITY TO PAY
USED FOR QUALIFICATION
Rate reflects MAX Reward of 1.50% (.25% Reductions for EA of the following services if maintained: Visa Credit, Visa Debit and for Each 10% DownPayment. .50% for Direct Deposit, &.25% for AutoPay. .25% for eStatments or eBillPay PLUS .25% & .10% for each Loan Protection, Disability Insurnace, and GAP) REDEM $1500 VISA REWARDS
RATES ARE SUBJECT TO CREDIT HISTORY AND DEBT RATIO.
RATES QUOTED ARE FOR LOWEST RATE AVAILABLE.
RATES AVAILABLE TO CURRENT MEMBERS IN GOOD STANDING
|
Saver's Loan-Unsecured*
(Effective: APRIL 1, 2008)
|
Program
|
Term
| Max.
Balance
| APR
| Monthly Payments
per $1000 borrowed
|
SAVER'S LOAN
|
1-60 months
| $15,000.00
| 11.250%
| $21.87
| |
|
EARLY BIRD
| (VARIABLE RATE..RATE CHANGES
EVERY 6 MTHS BY 2% CAP OF
11.75%) |
|
1-6 months
| $25,000.00
| 4.750%
| $18.76
| 25-60 months
| $25,000.00
| 12.750%
| $33.59
|
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*Required 10% of payment per month in Secured Share Account
APR does not reflect the required share deposit
Annual Percentage Rate (APR) subject to change.
CREDIT SCORE, LENGTH OF EMPLOYMENT, AND ABILITY TO PAY
USED FOR QUALIFICATION
Savers Loan Rate reflects MAX Reward of 1.50% .25% Reductions for EA of the following services if maintained: Visa Credit, Visa Debit and for Each 10% DownPayment. & .10% for each Loan Protection, Disability Insurnace, and GAP & .50% for Direct Deposit & .25% for AutoPay. .25% eStatements or eBillPay
RATES ARE SUBJECT TO CREDIT HISTORY AND DEBT RATIO.
RATES QUOTED ARE FOR LOWEST RATE AVAILABLE
|
SPECIALS*
(Effective: APRIL 1, 2008)
|
Program
|
Term
| Max.
Balance
| APR
| Monthly Payments
per $1000 borrowed
|
EZ SEASONAL LOAN - TECHNO/HOLIDAY/HEATING
| (Special effective until
further notice..) |
|
1-12 months
| $25,000.00
| 5.990%
| $86.07
| 24 months
| $25,000.00
| 6.900%
| $44.74
| 36 months
| $25,000.00
| 7.900%
| $31.30
| 48 months
| $25,000.00
| 8.900%
| $24.84
| 60 months
| $25,000.00
| 9.900%
| $21.20
|
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*RATE, TERM AND AMOUNT TO Qualified Borrowers Only
CREDIT SCORE, LENGTH OF EMPLOYMENT, AND ABILITY TO PAY
USED FOR QUALIFICATION
Amount & Term subject to Availability
Special may be withdrawn at Credit Union's Discretion
Annual Percentage Rate (APR) subject to change.
RATES ARE SUBJECT TO CREDIT HISTORY AND DEBT RATIO.
RATES QUOTED ARE FOR LOWEST RATE AVAILABLE
|
TRAVEL TRAILER & MOTOR HOME*
(Effective: APRIL 1, 2008)
|
Program
|
Term
| Minimum Daily Balance
to earn APY | APR
| Monthly Payments
per $1000 borrowed
|
TRAVEL TRAILER & MOTOR HOME
|
120 months
| $10,000.00
| 7.500%
| $11.87
|
|
*Annual Percentage Rate (APR) subject to change.
CREDIT SCORE, LENGTH OF EMPLOYMENT, AND ABILITY TO PAY
USED FOR QUALIFICATION
Rate reflects MAX Reward of 1.50% .25% Reductions for EA of the following services if maintained: Visa Credit, Visa Debit and for Each 10% DownPayment. & .10% for each Loan Protection, Disability Insurnace, and GAP& .50% for Direct Deposit OR .25% for AutoPay. .25% eStatements or eBillPay
RATES ARE SUBJECT TO CREDIT HISTORY AND DEBT RATIO.
RATES QUOTED ARE FOR LOWEST RATE AVAILABLE
|
UNSECURED *
(Effective: APRIL 1, 2008)
|
Program
|
Term
| Minimum Daily Balance
to earn APY | Max.
Balance
| Interest Rate
| APR
| Monthly Payments
per $1000 borrowed
|
LINE OF CREDIT-Variable Rate
| (This is a VARIABLE RATE
with NO minimum, fixed, transaction, activity charges
Loan does require a $5. share account in the Credit Union
Minimum Advance $100
Payment 2% of Unpaid Balance
MAX INTEREST RATE IS 18% ANNUAL PERCENTAGE RATE
Rewards not allowed
) |
|
| $100.00
| $10,000.00
|
| 9.900%
| $10.00
| |
|
Signature Loan
| (Subject to a member in good standing and
credit score) |
|
60 months
| $0.00
| $25,000.00
| 11.250%
|
| $21.81
|
|
*Annual Percentage Rate (APR) subject to change.
CREDIT SCORE, LENGTH OF EMPLOYMENT, AND ABILITY TO PAY
USED FOR QUALIFICATION
Closed End Rate reflects MAX Reward of 1.50% (.25% Reductions for EA of the following services if maintained: Visa Credit, Visa Debit and for Each 10% DownPayment. & .10% for each Loan Protection, Disability Insurnace, and GAP & .50% for Direct Deposit OR .25% for AutoPay. .25% eStatements or eBillPay)
RATES ARE SUBJECT TO CREDIT HISTORY AND DEBT RATIO.
RATES QUOTED ARE FOR LOWEST RATE AVAILABLE
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This is Your Credit Union
At Fitchburg Federal, our mission is to meet the financial needs of our members. For more information about our products or services, please use our information request form or give us a call at (978) 342-1827.
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