Loan Products
Mortgage
Term |
Rate (APR) |
Payment Example |
Terms vary |
|
Payments vary |
Mortgage eligibility is based on the value of your home and underwriting criteria.
Home Equity Line of Credit (not available in Texas)
Term |
Rate (APR) |
Payment Example |
Variable, up to 15 years* |
4.75% to 6.50% |
180 monthly payments of $7.78 to $8.71 per $1,000 borrowed |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
A minimum initial advance of at least $15,000 is required in order to have third party fees waived. Lines of Credit opened with a balance of less than $15,000 pay closing costs. A $75 Inactivity Fee will be assessed each subsequent anniversary year in which you do not maintain an outstanding principal balance during any portion of 2 consecutive billing cycles. If you close your Line of Credit within 24 months you are subject to pay the lesser of your actual closing costs or $250.
Home Equity Loan ($5,000 to $200,000)
Term |
Rate (APR) |
Payment Example |
Fixed, up to 20 years |
6.39% to 8.69% |
180 monthly payments of $8.65 to $9.96 per $1,000 borrowed |
A minimum initial loan balance of at least $15,000 is required in order to have third party fees waived. Loans opened with a balance of less than $15,000 pay closing costs.
Xceed Visa® Platinum Card (with CURewards™)
Term |
Rate (APR) |
Payment Example |
Variable* |
as low as 13.99% |
. |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Xceed Visa® Platinum Card (without CURewards™)
Term |
Rate (APR) |
Payment Example |
Variable* |
8.99% |
. |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Auto (new and used)
Term |
Rate (APR) |
Payment Example |
Fixed, up to 7 years |
3.75% to 12.45% |
60 monthly payments of $19.10 to $22.24
per $1,000 borrowed |
Boat (new and used)
Term |
Rate (APR) |
Payment Example |
Fixed, up to 10 years |
7.14% to 8.89% |
84 monthly payments of $15.41
per $1,000 borrowed |
RV (new and used)
Term |
Rate (APR) |
Payment Example |
Fixed, up to 15 years |
7.34% to 10.84% |
84 monthly payments of $15.76
per $1,000 borrowed |
Motorcycle (new and used)
Term |
Rate (APR) |
Payment Example |
Variable, up to 4 years* |
8.29% to 8.54% |
48 monthly payments of $24.55
per $1,000 borrowed |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%. Rate may be increased after consummation.
Consolidation Loan
Term |
Rate (APR) |
Payment Example |
Fixed, up to 7 years |
|
84 monthly payments of $16.08 to $19.86 per $1,000 borrowed |
Member First ($100 to $50,000)
Term |
Rate (APR) |
Payment Example |
Fixed, up to 5 years |
10.99% to 18.00% |
60 monthly payments of $21.74 to $25.39 per $1,000 borrowed |
PowerLine of Credit (up to $50,000)
Term |
Rate (APR) |
Payment Example |
Variable, up to 5 years* |
9.50% to 17.50% |
60 monthly payments of $21.00 to $25.12 per $1,000 borrowed |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Stocks/Bonds
Term |
Rate (APR) |
Payment Example |
Variable, up to 4 years* |
8.85% to 8.85% |
n/a |
Fixed, up to 4 years |
12.85% to 12.85% |
n/a |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Savings Secured
Term |
Rate (APR) |
Payment Example |
Variable* |
Dividend Rate + 3% |
. |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Certificate Secured
Term |
Rate (APR) |
Payment Example |
Variable* |
Certificate Rate + 3% |
. |
* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.
Loan rates as of April 1, 2010 and subject to change.
APR=Annual Percentage Rate
Apply for a loan online, or call 800.XFCU.222
to get approved right over the phone. It's that easy. |