Loan Rates

Effective Date: 4/1/18

* APR = Annual Percentage Rate. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include the following discounts: .25% off for direct deposit, .25% off with auto pay setup, .25% off with combined deposit balances of $10,000  or higher, .25% off with a 1st Advantage Car Buying Service auto loan, .25% off for refinancing auto from another lending institution. Combined maximum discount of 1%. Regardless of available discounts, 1.99% is the minimum APR offered.

^ All Recreational Vehicle loans require a minimum 20% cash down payment. 

* Annual Percentage Rate (APR) is variable and currently ranges from 9.25% to 18.00% and is accurate as of 4/1/2018. Your APR is determined by program selected and credit history. All other information will be disclosed when you receive your card in the mail. Please contact the credit union at 757-877-2444 with questions or concerns. 

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View Signature Rewards VISA Credit Card Account Agreement

Call 757-886-3337 or Apply Now

Effective Date: 4/1/2018

Home Equity Line of Credit - Choose from two great offers!

Plus, no closing costs!*

Plus, no closing costs!^

Don't wait, apply now!  Call 757-886-3337 or Apply Now

*1.99% fixed Annual Percentage Rate (APR) for first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) + a margin for the life of the loan. Current APR as of 4/1/2018 is 4.75% APR, includes + 0.00 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 4.50% APR and a maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Introductory offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee if required, for new loans greater than $20,000. Not available for home purchase. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Offer excludes properties currently for sale or within last 180 days of application. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.

^4.50% fixed Annual Percentage Rate (APR) for first five years. Thereafter, variable APR adjusted monthly based on Wall Street Journal Prime Rate (index) and a margin for the life of the loan. Current APR as of 4/1/2018 is 4.50% APR, includes - 0.25 margin for new loans $10,000 to $50,000 and assumes great credit and loan to value <100%. Minimum floor rate of 4.00% APR and a maximum rate of 18% APR. Offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee of $465 if required. Not available for home purchase. Offer excludes properties currently for sale or within last 180 days of application. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.

Effective Date: 4/1/18

*APR = Annual Percentage Rate. Current APR as of 4/1/2018 is 3.75% APR for 5 year and assumes great credit and loan to value < 80%. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Offer excludes properties currently for sale or within last 180 days of application. Property insurance is required, flood insurance may be required. Certain restrictions apply.