Rates

IMPORTANT MORTGAGE LOAN PROCESSOR INFORMATION

Because the CHCAFCU processes mortgage loans we must list our Mortgage Loan Processors along with their unique identification number. Our Loan Processors are:

Denny O’Shaughnessy – 402475

Angie Szabo – 402476

Rick Williams – 402474

* * * * * * * * *

PLEASE NOTE!

We participate in “Risk Based Lending”. This is a rate determining process whereby the rate you receive on your loan will be assigned to you based on your credit rating (Beacon Score).

Payment Example: $1000 at 5.25% for 5 years = $18.99

Below is a detailed list of our Risk Based rates.

Rates Effective December 1, 2018

Rates and terms vary. Not all of our offered rates or terms are listed here.

Secured Loans – Autos, Boats, MCs and RVs

Credit Rating A+ APR* A APR* B APR* C APR* D APR*
24 Months 2.75 3.75 5.75 7.75 12.75
36 Months 3.00 4.00 6.25 8.25 13.25
48 Months 3.25 4.25 6.25 10.25 15.25
60 Months 3.25 4.25 7.25 12.25 17.95
72 Months 4.25 5.25 8.25 17.95 17.95
84 Months 5.25 6.25 9.25 17.95 N/A
**Rates are based on your base rate, age of the collateral and the loan to value.  Please contact Credit Union for further details.**
*APR = Annual Percentage Rate

New / Used Boats, Motorcycles & Campers

Credit Rating A+ APR* A APR* B APR* C APR* D APR*
SEE ABOVE

 

 2nd Mortgage/Home Improvement Loans

Credit Rating     Closing Costs – $200.00 A+ APR* A APR* B APR* C APR* D APR*
 Term 1 – 5 Years 5.75 6.25 8.25 10.25 12.25
 Term 5 – 10 Years 6.25 6.75 8.75 10.75 12.75
 Term 10 – 15 Years 6.75 7.25 9.25 11.25 13.25

Home Equity Line Of Credit (HELOC)

 

HOME EQUITY LINE OF CREDIT (HELOC) A+ APR* A APR* B APR* C APR* D APR*
VARIABLE RATE 5.50 6.00 8.00 10.00 12.00
PRIME RATE  –  ALL RATES ADJUSTED QUARTERLY TO PRIME

Signature, Vacation, Christmas, Bill Consolidation, Appliance, Computer Loans

 

Credit Rating A+ APR* A APR* B APR* C APR* D APR*
Up to 5 Years 10.20 11.20 13.20 16.20 17.95

 

 

Credit Rating A+ APR* A APR* B APR* C APR* D APR*
See Above

Quick Cash Line Of Credit Loans

APR*
Check Cashing Loan Alternative. Get up to $500 Instantly! 17.00
*APR = Annual Percentage Rate

**ALL Rates are subject to change without notice**
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We also offer Share and Certificate Secured Loans at unbelievable rates!

All Rates subject to change without notice!

Loans Rate APR* Term
Overdraft Protection Loans 17.00 17.00 48 Calculator
Calculator
Visa Associates – Call for Rates and Terms n/a Calculator
VISA Advantage 1 – Call for Rates and Terms n/a Calculator
VISA – Classic – Call for Rates and Terms n/a Calculator
APR = Annual Percentage Rate

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All Rates Subject to Change Without Notice!
Savings Dividend Rate APY* Term
Regular Shares (Savings) .35 .35 n/a
Money Market Account $2,500.00 – $9,999.99 .50 .50 n/a
Money Market Account $10,000.00 – 49,999.99 .65 .65 n/a
Money Market Account $50,000.00 & Over .75 .75 n/a
IRA Savings Account .35 .35 n/a
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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All Rates Subject to change Without Notice!
Certificates Dividend Rate APY* Term
Share Certificate 1.00 1.00 6
Share Certificate 1.24 1.25 12
Share Certificate 1.49 1.50 24
Share Certificate 1.74 1.75 36
Share Certificate 1.98 2.00 48
Share Certificate 2.23 2.25 60
IRA Share Certificate 1.24 1.25 12
IRA Share Certificate 1.49 1.50 24
IRA Share Certificate 1.74 1.75 36
IRA Share Certificate 1.98 2.00 48
IRA Share Certificate 2.23 2.25 60
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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Applications

Vacation/Christmas Loans

New / Used Auto, Truck, Van Boat, RV or Motorcycle