Loan Rates

Effective Date: 6/3/19

* 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, 3.24% 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. 

* Annual Percentage Rate (APR) is variable and currently ranges from 10.00% to 18.00% and is accurate as of 6/1/2019. 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: 6/1/2019

Home Equity Line of Credit

Plus, no closing costs!*

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

*2.99% 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 6/1/2019 is 5.00% APR, includes - 0.50 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 2.99% 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 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: 6/1/19

*APR = Annual Percentage Rate. Current APR as of 6/1/2019 is 4.50% 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: 6/3/19

*APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. Interest rates range from 3.25% to 5.75%. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 30-year term, and a 4.574% APR, you would make monthly payments of $1013.37. 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.