Effective May 1, 2013. Subject to change without notice.
Rates are stated as Annual Percentage Rates.
Mortgages for the Purchase or Refinance of Your Home
Your Credit Union offers mortgage financing alternatives for you to choose from. Whether you want to buy a new home or refinance your existing mortgage(s), we have programs to help you. Choose from fixed, adjustable, or buy down rates. Rates and points can change daily, subject to change without notice.
For specific rate information, call the Loan Department at 410-828-4730 or 1-800-234-4730 or visit our On-Line Mortgage Center click here.
| APR Range |
Terms |
Percentage Financed |
| New Vehicle |
|
1.90% to 7.90%
|
Up to 60 months
No minimum loan amount |
Up to 120% of MSRP* |
|
3.24% to 9.24%
|
72 months
$20,000 minimum |
Up to 120% of MSRP* |
|
3.49% to 9.49%
|
84 months
$30,000 minimum |
Up to 120% of MSRP* |
| Used Vehicle |
|
1.90% to 7.90%
|
Up to 60 months
No minimum loan amount |
Up to 120% of NADA Retail Value* |
|
3.24% to 9.24%
|
72 months
$20,000 minimum
Model Year 2009 or newer |
Up to 120% of NADA Retail Value* |
|
3.49% to 9.49%
|
84 months
$30,000 minimum
Model Year 2011 or newer |
Up to 120% of NADA Retail Value* |
| Vacation Loan |
| 7.90 to 13.90 |
Up to 12 months |
100% to qualified applicants* |
| Auto Cash |
| 9.00 to 15.00 |
Up to 60 months |
$3,000 to $20,000* |
| Education / Computer |
| 6.90 to 12.90 |
Up to 18 months |
100% to qualified applicants* |
| Personal |
|
12.00 to 18.00
|
Up to 60 months |
Up to $15,000 to qualified applicants* |
| Preferred Credit |
|
12.00 to 18.00
|
Up to 48 months |
Up to $5,000 to qualified applicants* |
|
Signature Money (Line of Credit)
|
|
12.00 to 18.00
|
6-month term
12-month term
|
Up to $1,000*
Up to $2,000* |
| Share Secured (variable rate) |
3.00% above
Share Savings |
144 months |
Full amount in Share Saving |
| Boats and RVs |
|
8.50 to 14.50
|
60 months up to $24,999 |
100% MSRP to qualified applicants* |
144 months
$25,000 & up |
Home Equity Loan – Fixed Rate – No Closing Costs* |
| 2.90% to 8.90% |
Up to 60 months |
Approved loan amounts to qualified borrowers based upon 85% of appraised value less first mortgage balance. |
| 3.90% to 9.90% |
Up to 120 months |
| 4.90% to 10.90% |
Up to 180 months |
|
Home Equity Line of Credit – No Closing Costs*
|
|
Limited Time Offer
12-month Introductory Rate of 2.0% APR*on Home Equity Loans.
Ask for details!
|
- This is a variable rate plan (based on M & T Bank’s Prime Rate minus 1%) with a floor rate of 4.0% APR.*
- Terms up to 180 months.
- 10-year draw period.
|
|
*Check for qualifying details. APR = Annual Percentage Rate. Refinancing of any existing Credit Union auto loan will incur a processing fee of $250.
**72 months available on loans of $20,000 or more.
Would you like to apply on-line? Click here.
Would you like to use our calculator? Click here.
Would you like to apply for a Credit Union auto loan right at the dealership? Click here.
