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 4.99%. 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, 2012
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
|
Vehicle Loans | ||
| Model Year 2011 and Newer (Secured) | ||
|
TERMS UP TO |
APR* |
EST PAYMENT* |
| 36 months |
As low as 5.50% |
$30.20 |
| 48 months |
As low as 6.00% |
$23.49 |
| 60 months |
As low as 6.25% |
$19.45 |
| 72 months |
As low as 7.00% |
$17.05 |
| 84 months |
As low as 8.00% |
$15.59 |
|
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 |
| 2009 & 2010 |
As low as 6.00% |
$23.49 |
| 2006 - 2008 |
As low as 6.50% |
$23.71 |
| 2003 - 2005 |
As low as 7.00% |
$23.95 |
| 2002 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 6.00% |
$30.42 |
| 48 months |
As low as 6.50% |
$23.71 |
| 60 months |
As low as 7.00% |
$19.80 |
| 72 months |
As low as 7.50% |
$17.29 |
|
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 6.50% |
$30.65 |
| 48 months |
As low as 7.00% |
$23.95 |
| 60 months |
As low as 7.75% |
$20.16 |
| 72 months |
As low as 8.25% |
$17.66 |
|
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 6.00% |
$19.33 |
| 96 months |
As low as 7.00% |
$13.63 |
| 120 months |
As low as 8.00% |
$12.13 |
| Used (Secured) | ||
|
YEAR |
APR* |
EST PAYMENT* Based on 48 month term |
| 60 months |
As low as 7.00% |
$19.80 |
| 96 months |
As low as 8.00% |
$14.14 |
| 120 months |
As low as 9.00% |
$12.67 |
Mortgage Lending Rates Below |
|
Mortgage Lending | ||
| Home Equity Loans - Fixed Rate - 80% Loan to Value | ||
|
TERM |
APR* |
EST PAYMENT* |
| 60 months |
As low as 6.00% |
$19.33 |
| 84 months |
As low as 7.00% |
$15.09 |
| 120 months |
As low as 8.00% |
$12.13 |
|
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 01-01-12. 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.
