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Loan Rates

 

Get a $50* Gift Card with Your Qualifying Auto Loan!

Take advantage of this deal PLUS New AND Used Vehicle rates for 2010 models and newer up to 72 months as low as 3.99% APR This sale is LIMITED and don’t forget, we’ll also MATCH YOUR RATE!** Talk to a loan officer today or fill out an application on-line! With no early prepayment penalties AND a $50 Gift Card, you can’t go wrong!

*Some restrictions apply, $50 will only be received once you transfer your loan to the Credit Union. One payment of $50 per person. Rates as of 12-5-14. Estimated monthly payment per $1000 borrowed based on a 72 month term is $15.65 at 3.99% Minimum $10,000 borrowed. New money only. Subject to credit approval. Other rates and terms available. Subject to elgibility requirements. Equal opportunity lender. Rates vary depending on individual’s credit history. Offer is expected to end 01-31-15. Rates, terms and conditions subject to change without notice. **Members must provide proof of current loan rate. Fremont First will finance for the remaining term of the original loan. The rate will not go below 2.99%. Loans excluded are First Mortgages, Home Equity Lines of Credit, Vehicle Leases, and Credit Cards. Subject to credit approval. New money only. Membership requirements apply.

Rate Matching

Don't forget, We'll Match Your Rate!! Bring in your loan from another financial institution and we'll match it. Members must provide proof of current loan rate. Fremont First will finance for the remaining term of the original loan. With NO early prepayment penalties, you can't go wrong! The rate will not go below 2.99%. Loans excluded are First Mortgages, Home Equity Lines of Credit , Vehicle Leases, and Credit Cards. Subject to credit approval. New money only.

Rates are determined by underwriting factors and may vary based on the information submitted on an application. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice. Contact the Credit Union for the latest on rate information EFFECTIVE: January 1, 2014

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

 

Vehicle Loans

Model Year 2012 and Newer (Secured)

TERMS UP TO

APR*

EST PAYMENT*

36 months

As low as 3.24%

$29.19

48 months

As low as 3.74%

$22.46

60 months

As low as 3.99%

$18.41

72 months

As low as 4.74%

$15.98

84 months

As low as 5.74%

$14.48

Rates and Terms for New Vehicle, Boats, Campers, Motorcycles, and Recreational Vehicles.

Used Car Loans (Secured)

YEAR

APR*

EST PAYMENT*

Based on

48 month term

2010 & 2011

As low as 4.25%

$22.69

2007 - 2009

As low as 4.75%

$22.92

2004 - 2006

As low as 5.25%

$23.14

2003 and older

As low as 9.90%

$25.31

Rates and Terms for New Vehicle, Boats, Campers, Motorcycles, and Recreational Vehicles.



Other Collateral Loans
(Secured)

YEAR

APR*

EST PAYMENT*

Based on

48 month term

36 months

As low as 4.00%

$29.52

48 months

As low as 4.50%

$22.80

60 months

As low as 5.00%

$18.87

72 months 

As low as 5.50%

$16.34

Rates and Terms for New Boats, Campers, Motorcycles, and Recreational Vehicles.

Used (Secured)

YEAR

APR*

EST PAYMENT*

Based on

48 month term

36 months

As low as 4.50%

$29.75

48 months

As low as 5.00%

$23.03

60 months

As low as 5.75%

$19.22

72 months 

As low as 6.25%

$16.69

Rates and Terms for Used Boats, Campers, Motorcycles, and Recreational Vehicles.



Motor Home Loans
New (Secured)

YEAR

APR*

EST PAYMENT*

Based on

48 month term

60 months

As low as 4.00%

$18.42

96 months

As low as 5.00%

$12.66

120 months

As low as 6.00%

$11.10

Used (Secured)

YEAR

APR*

EST PAYMENT*

Based on

48 month term

60 months

As low as 5.00%

$18.87

96 months

As low as 6.00%

$13.14

120 months

As low as 7.00%

$11.61



Mortgage Lending Rates Below

Mortgage Lending

Home Equity Loans - Fixed Rate - 80% Loan to Value

TERM

APR*

EST PAYMENT*

60 months

As low as 3.25%

$18.08

84 months

As low as 3.50%

$13.44

120 months

As low as 3.75%

$10.01

Other rates and terms available, including up to 100% LTV

Home Equity Line of Credit - Variable Rate

Line of Credit Options

80% LTV

90% LTV

100% LTV

Prime Rate

Prime + 1.00%

Prime + 2.00%

Floor Rate on the Open End Home Equity is 6.00% and the Ceiling Rate is 15.00%. Contact the Credit Union for current rates.

First Mortgage Loans

First mortgage loans are subject to change daily, contact the Credit Union for the current rate.

Other Lending Services

Certificate Secured Loan
Line of Credit
Overdraft Protection
Personal Loans
Share Secured Loan

* Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant's credit rating and credit history (your actual rate may be higher). Your estimated monthly payment amount is calculated by multiplying the "EST PAYMENT" amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union's loan programs, rates, terms and conditions are subject to change without notice.






Visa Credit Card
DESCRIPTION DISCLOSURE

Annual Percentage Rate - Fixed Rate

11.90%
Annual Membership Fee $0.00
Grace Period for Purchases 25 days
Method of Computing Balances Average Daily Balance
Late Payment Fee $15.00
Cash Advance Fee $2.00 ATM/Over the Counter

The Visa Classic credit card APR (Annual Percentage Rate) for purchases listed above is effective on 01-01-13. A finance charge will be imposed on credit purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement. A finance charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted, whichever is later, and will otherwise be calculated in the same manner as explained for Credit Purchases. Rates and terms are subject to change.