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 MARCH 1, 2021
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 | 3.10 | 4.10 | 6.10 | 8.10 | 13.10 |
36 Months | 3.35 | 4.35 | 6.60 | 8.60 | 13.60 |
48 Months | 3.60 | 4.60 | 6.60 | 10.60 | 15.60 |
60 Months | 3.60 | 4.60 | 7.60 | 12.60 | 17.95 |
72 Months | 4.60 | 5.60 | 8.60 | 16.60 | 17.95 |
84 Months | 5.60 | 6.60 | 9.60 | 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 | 3.25 | 3.75 | 5.75 | 7.75 | 9.75 |
Term 5 – 10 Years | 3.75 | 4.25 | 6.25 | 8.25 | 10.25 |
Term 10 – 15 Years | 4.00 | 4.50 | 6.50 | 8.50 | 10.50 |
Home Equity Line Of Credit (HELOC)
HOME EQUITY LINE OF CREDIT (HELOC) | A+ APR* | A APR* | B APR* | C APR* | D APR* |
---|---|---|---|---|---|
VARIABLE RATE | 3.25 | 3.75 | 5.75 | 7.75 | 9.75 |
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 | 9.95 | 10.95 | 12.95 | 15.95 | 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** |
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 |
All Rates Subject to Change Without Notice! |
Savings | Dividend Rate | APY* | Term |
Regular Shares (Savings) | 0.03 | 0.03 | n/a |
Money Market Account $2,500.00 – $9,999.99 | 0.03 | 0.03 | n/a |
Money Market Account $10,000.00 – 49,999.99 | 0.05 | 0.05 | n/a |
Money Market Account $50,000.00 & Over | 0.10 | 0.10 | n/a |
IRA Savings Account | 0.03 | 0.03 | n/a |
APR = Annual Percentage Rate APY = Annual Percentage Yield Back to Top |
All Rates Subject to change Without Notice! |
Certificates | Dividend Rate | APY* | Term |
Share Certificate | 0.03 | 0.03 | 6 |
Share Certificate | 0.05 | 0.05 | 12 |
Share Certificate | 0.10 | 0.10 | 24 |
Share Certificate | 0.10 | 0.10 | 36 |
Share Certificate | 0.15 | 0.15 | 48 |
Share Certificate | 0.15 | 0.15 | 60 |
IRA Share Certificate | 0.05 | 0.05 | 12 |
IRA Share Certificate | 0.10 | 0.10 | 24 |
IRA Share Certificate | 0.10 | 0.10 | 36 |
IRA Share Certificate | 0.15 | 0.15 | 48 |
IRA Share Certificate | 0.15 | 0.15 | 60 |
APR = Annual Percentage Rate APY = Annual Percentage Yield Back to Top |
Applications