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855-597-5766

 

Loan Rates

Effective December 1, 2016: Rates are subject to change; please contact the credit union for the most current and up-to-date rates. For an additional 0.25% APR* rate discount on new and used auto loans, buy your vehicle using our TrueCar Car Buying Service with a SAFCU auto loan.

Apply online or contact our Loan Officer at 443-844-3616 or 443-844-3593

NEW CAR LOANS
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
APR* Term

Rates as low as**+
Rates as low as**+
Rates as low as**+

1.74%
1.74%
1.74%

up to 60 months
61-72 months
73-84 months

 
USED CAR LOANS
Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.


Term (model years 2009 through 2016)
APR*
Rates as low as**+
Rates as low as**+
Rates as low as**+
2.24%
2.24%
2.24%
Up to 60 months
61-72 months
73-84 months
 
MOTORCYCLE, RV, ATV LOANS APR* Term
Rates as low as**+
Rates as low as**+
3.24%
3.74%
Up to 48 months
Up to 72 months
 
VISA CREDIT CARD APR* No annual fee
Rates as low as** 8.50% Click here to view Platinum Rewards
 
PERSONAL LOAN
As low as**+
APR*
9.74%
Up to 12 months
 
PERSONAL LINE OF CREDIT
APR*
Prime*** plus 5.0%

 
MORTGAGES (new and refinanced) offered through our service partner, Financial Security Consultants, Inc.


Rate



APR***
10-YEAR 2.990% 3.283%
15-YEAR 3.125% 3.328%
20-YEAR 3.375% 3.534%
30-YEAR 3.875% 3.993%
33 1/3-YEAR (400 months) 3.990% 4.101%

*** APR = Annual Percentage Rate. All APRs in mortgage rate examples above are based on a $200,000 loan amount and 80% Loan-To-Value (LTV). Rates effective 12/1/16 and are subject to change without prior notice. SAFCU NMLS#721558. Financial Security Consultants, Inc. is a service partner of Saint Agnes Federal Credit Union. Financial Security Consultants is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. Licensed in Pennsylvania by the Pennsylvania Department of Banking. NMLS #101557 (www.nmlsconsumeraccess.org)

 
BOAT LOAN APR* Details
New, as low as**+ 6.99% 10% down payment
New, as low as**+ 6.49% 20% down payment
Used, as low as**+ 7.99% Amount financed based on Wholesale Book Value

Term for new and used: 7 years up to $25,000; 10 years over $25,000.
No vessels over 5 ton net weight.

 
SHARE SECURED LOAN APR*
2% above current dividend rate; min. 3%
Up to 60 month repayment. Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed.
 
HOME EQUITY LINE OF CREDIT
Loan Amount a) 80% of appraised value less first mortgage
(Prime PLUS .25% APR**), OR
b) 90% of appraised value less first mortgage
(Prime PLUS 1% APR**)
For either loan amount: maximum = $150,000;
minimum = $10,000
Annual Percentage Rate (APR) -- Prime rate*** PLUS .25% (80% LTV), OR
-- Prime rate*** PLUS 1% (90% LTV)
For either: minimum = 3.00%; maximum = 18.00%
Draw Period 15 years (access with home equity checks); First Advance - $2,500 minimum / $500 increments thereafter
Closing Costs Credit union will pay closing costs; however, if the line of credit is paid off within 2 years, reimbursement is due to the credit union.
Appraisal Fee: $350
Processing Time 3 to 4 weeks
 
HOME EQUITY LOAN (closed end)
Loan Amount Minimum -- $10,000 / Maximum - $150,000;
90% of appraised value less first mortgage.
Rates as low as** 5-year loan -- 3.99% APR*
10-year loan -- 4.49% APR*
15-year loan -- 4.99% APR*
Closing Costs Credit union will pay closing costs for loans that are $50,000 or more; however, if the loan is paid off within 2 years, reimbursement is due to the credit union.
Appraisal Fee: $350
Processing Time 3 to 4 weeks

* APR = Annual Percentage Rate
** Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history.
*** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate.

+ Rate shown above includes 0.25% APR* automatic payment discount.