Loan Rates

Effective Date: 1/8/21

*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 .25% discount with auto pay setup. Regardless of available discounts, 2.44% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
^All Recreational Vehicle loans require a minimum 20% cash down payment. 

Effective Date: 1/8/21

*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 .25% discount with auto pay setup and .25% discount for refinancing. Regardless of available discounts, 2.19% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. ^All Recreational Vehicle loans require a minimum 20% cash down payment. 

Effective Date: 1/1/21

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

* Annual Percentage Rate (APR) is variable and currently ranges from 7.75% to 17.95% and is accurate as of 1/1/2021. 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. 

Mastercard Consumer Agreement

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Effective Date: 1/13/2020

Home Equity Line of Credit

Plus, no closing costs!*

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*APR = Annual Percentage Rate. Current APR as of 1/13/2021. Rates as low as 2.49% fixed for six months includes +0.00 margin and assumes great credit and loan to value <80%. Minimum floor rate of 2.49% APR and a maximum rate of 18% APR. Initial draw at closing at least $10,000 required for introduction rate. 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 of $150,000 or less. Not available for home purchase or investment properties. 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. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.

Effective Date: 1/1/21

*APR = Annual Percentage Rate. Current APR as of 1/1/2021 is 3.49% APR for 5 years, assumes great credit, loan to value < 80%, and in first lien position. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $150,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply.

Effective Date: 1/1/21

*APR: Annual Percentage Rate. Fixed 2.875% / 3.125% APR for the first five years. The interest rate is current as of 1/1/2021. No Private Mortgage Insurance. Up to 80% LTV for purchases. Maximum loan amount is $510,400. After the five year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 720 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 2.875% / 3.125% APR and 80% loan-to-value (LTV) is $829.78. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $1024.00. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates, and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single family dwelling.

**APR: Annual Percentage Rate. Fixed 3.375% / 3.186% APR for the first five years. The interest rate is current as of 1/1/2021. No Private Mortgage Insurance. Up to 80% LTV for purchases. Minimum loan amount is $510,400. After the five year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 720 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $510,000, 5-year Adjustable-Rate Loan at 3.375% / 3.186% APR and 80% loan-to-value (LTV) is $2,256.46. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $1024.00. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates, and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single family dwelling.

^APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. Interest rates range from 2.490% to 6.125%. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 15-year term, and a 2.668% APR, you would make monthly payments of $1332.64. Payments are estimates only and only include principle and interest. Minimum/Maximum: The minimum refinance loan amount is $50,000. Interest rates are subject to change and are based on credit score, loan product, loan term, and loan value.