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Whatever you borrowing needs are, we can accommodate you at an outstanding rate. Here are our current loan rates.
| Loan Type |
APR*
|
| Share Secured |
|
| 0-36 Months |
3.50% |
| 37-60 Months |
4.00% |
| 61-120 Months |
5.50% |
| |
|
| Personal Loans## |
As low as 7.00%** |
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| New Vehicles# |
As low as 3.79%** |
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| Used Vehicles# |
As low as 3.79%** |
| |
|
| Primelines^ |
|
| First Mortgage |
3.25% |
| Second Mortgage |
3.25% |
| Subject to Change Quarterly |
|
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| Boat Loans## |
As low as 3.99%** |
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| Motor Homes## |
As low as 3.99%** |
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| Motorcycles## |
As low as 3.99%** |
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| First Mortgages^^ |
N/A |
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| Second Mortgages^^ |
N/A |
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| Cash Reserve: Approved Line Size |
|
| $500 - $1499 Prime Plus 6% Adjusted Quarterly |
9.25% CR3-1 |
| $1500 - $2999 Prime Plus 5% Adjusted Quarterly |
8.25% CR2-1 |
| $3000 - $5000 Prime Plus 4% Adjusted Quarterly |
7.25% CR1-1 |
* The APR is the Credit Union’s standard Annual Percentage Rate. The rate may vary depending on each individual’s credit history and underwriting factors. Effective September 1, 2010. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
** The as low as rates noted above are the lowest rates we have available to our members. Your actual rate may be higher based on your credit history and other factors.
# Financing available for new vehicles up to 72 months and for used vehicles up to 60 months. Terms are dependent on amount financed.
## Financing available up to 120 months on boats, 108 months on motor homes, 60 months on motorcycles and 36 months on personal loans. Terms dependent on amount financed.
^ The Annual Percentage Rate on our PrimeLine accounts is based on the Prime Rate as published in the Wall Street Journal and is subject to change, each calendar quarter. Regardless of the Prime Rate, your annual percentage rate will never go below 4.00% or exceed 15.00%.
^^ We are not currently making any mortgage loans. Annual Percentage Rate on non-line of credit 1st and 2nd mortgages is fixed for the term of the loan. Maximum loan term available is 15 years.
Please contract Charleston Area FCU at (843) 556-4809 for additional information about applicable fees and terms.
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