Consumer Loan Rates

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New or Used Vehicles
Effective Date: November 1, 2018
TypeTermAPR* As Low As
Auto Loan (2016-2018) Up to 36 months 2.740%
Auto Loan (2016-2018) Up to 60 months 2.990%
Auto Loan (2016-2018) Over $15,000 Up to 72 months 3.240%
Auto Loan (2016-2018) Over $25,000 Up to 84 months 3.490%
Used Auto (2013-2015) Up to 60 months 3.240%
Used Auto (2013-2015) Over $15,000 Up to 72 months 3.490%
Used Auto (2013-2015) Over $25,000 Up to 84 months 3.740%
Used Auto Loan - 2009-2012 Up to 60 months 3.490%
Used Auto Loan - 2009-2012 (over $15,000) Up to 72 months 3.740%
Used Auto Loan - 2009-2012 (over $25,000) Up to 84 months 4.490%
Used Auto Loan (2008 and older) Up to 60 months 4.740%
Used Auto (2008 and older) Over $15,000 Up to 72 months 4.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $15,000.00 at 2.99% for 60 months would have a payment of $269.79. Rate is subject to change at any time without notice. Equal Opportunity Lender.
**Members with checking account with direct deposit may be eligible for a loan discount of 0.25% APR.

Motorcycle, Jet Ski, Snowmobile, and ATVs
Effective Date: November 1, 2018
TypeTermAPR* As Low As
Fixed Up to 60 months 4.240%
Fixed Up to 72 months 4.490%
Fixed over $10,000 Up to 84 months 4.740%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $10,000 at 4.24% APR for 60 months would have a payment of $185.57. Rate subject to change at any time without notice. Equal Opportunity Lender.

Campers and Motor Homes
Effective Date: October 1, 2018
TypeTermAPR* As Low As
Fixed under $25,000 Up to 84 months 4.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.990%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 5.240%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000 at 4.74% APR for 84 months would have a payment of $280.79. Rate is subject to change at any time without notice. Equal Opportunity Lender.

Marine (Non-personal watercraft)
Effective Date: November 1, 2018
TypeTermAPR*
Fixed Up to 84 months 4.490%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.740%
Fixed above $25,000 (term ineligible for CLCD) Up to 180 months 4.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000.00 at 4.49% for 84 months would have a payment of $278.43. Rate is subject to change at any time without notice. Equal Opportunity Lender.

Personal Loan
Effective Date: November 1, 2018
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 60 months 8.990%
Unsecured $15,001 - $25,000 Up to 60 months 9.990%
Minimum loan $300. Total aggregate of $25,000 unsecured debts per borrower, $50,000 per joint borrower.
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $5,000.00 at 8.99% APR for 60 months would have a monthly payment of $104.14. Rate is subject to change at any time without notice. Equal opportunity lender.
Please call 586-466-7800 opt. 3 for more rates or to qualify.

Mobile Homes
Effective Date: November 1, 2018
TypeTermAPR* As Low As
New Homes - 10% down payment required Up to 180 months 7.000%
Used Homes - 20% down payment required Max 15 years above home's age 8.000%
New requires 10% down, up to 180 months; Used required 20% down, maturity not to exceed 15 years of age. Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month.

Share Secured
Effective Date: November 1, 2018
TypeTermAPR*
Secured by Credit Union Shares Flexible 3% above Savings Rate

Business Purpose Loans
Effective Date: November 1, 2018
TypeTermAPR*
New titled collateral up to $30,000 up to 60 months prime + 2 = 7.25%
New titled collateral, over $30,000-$50,000 up to 84 months prime + 3 = 8.25%
Used titled collateral up to $30,000 up to 60 month prime + 3 = 8.25%
Used titled collateral, over $30,000-$50,000 up to 84 months prime + 4 = 9.25%
New, non-titled collateral up to $30,000 up to 60 month prime + 4 = 9.25%
New, non-titled collateral over $30,000-$50,000 up to 84 months prime + 5 = 10.25%
Used, non-titled collateral up to $30,000 up to 60 months prime + 5 = 10.25%
Used, non-titled collateral, over $30,000-$50,000 up to 84 months prime + 6 = 11.25%
Fixed, unsecured (no collateral) up to 36 months prime + 6 = 11.25%
Revolving line of credit   prime + 8% = 13.25%
Visa credit card   12.90%
*APR=Annual Percentage Rate. Rate is as low as; and may change based on credit history, term and other determining factors. Payment example: A loan of $30,000.00 at 6.25% for 60 months would have a monthly payment of $585. Equal opportunity lender.

Revolving Line of Credit
Effective Date: November 1, 2018
TypeTermAPR*
Line of Credit Open 9.990%
VISA Platinum Open 9.500%
VISA Classic Open 12.900%
Visa One Card Open 15.900%
*APR=Annual Percentage Rate. Payment example: A Visa with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. For the Visa One Card, the annual percentage rate is 15.90% and the minimum monthly payment is $25.

Mortgage Rates

Fixed Rate Mortgages
Effective Date: November 6, 2018
TypePointsRate As Low As
10 Year Fixed 0 4.375%
15 Year Fixed 0 4.500%
20 Year Fixed 0 4.750%
30 Year Fixed 0 5.000%
*A loan of $150,000 at 4.625% for 30 years would have a monthly payment of $771.21. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

VA Mortgage
Effective Date: November 6, 2018
TypePointsAPR* As Low As
10 Year Fixed 0 4.375%
15 Year Fixed 0 4.375%
20 Year Fixed 0 4.625%
30 Year Fixed 0 4.750%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. A loan of $150,000 at 4.375% APR for 30 years would have a monthly payment of $748.93. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Adjustable Rate Mortgages
Effective Date: November 6, 2018
TypeAPR* As Low As
3 Year 4.625%
5 Year 4.625%
7 Year 4.750%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386
A 3-year ARM with an APR (annual percentage rate) as low as 4.000% for $100,000 (20% down/80% LTV) would have a monthly payment of $477.42.

Construction Loan
Effective Date: November 1, 2018
TypePointsAPR* As Low As
12 Month Construction Loan N/A 4.875%
Construction to Mortgage (5 Year ARM) N/A 6.500%
Construction to Mortgage (12 Months) N/A 6.000%
NMLS#411386

Home Equity Line of Credit
Effective Date: November 6, 2018
TypeAPR*
Adjustable every 5 years 5.250%
*A fully protected loan of $25,000 at 5.00% APR for 180 months would have a monthly payment of $198.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Jumbo Mortgages
Effective Date: November 6, 2018
TypeAPR*
Loan amounts over 424,100 5.250%
Loan amounts over 650,000 5.750%
Contact 586-466-7800 opt. 2 for more information.
*A fully protected loan of $417,000 at 4.25% for 360 months would have a monthly payment of $2051.39. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

**Ask us about our Special Promotions!**

*APR = Annual Percentage Rate. Some loans qualify for a 0.25 discount based on direct deposit or credit life/disability insurance with FreeStar Financial. Rates are "as low as" and are subject to credit history, terms, and other factors. Rates are subject to change at any time without notice. Please call 586-466-7800 for current rates.

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