Vehicles Apply
Product Term Annual Percentage Rate
New Auto 0-24 Months 1.69%*
25-48 Months 1.99%*
49-60 Months 2.49%*
61-72 Months 2.99%*
73-84 Months 3.99%*
Used Auto 0-24 Months 2.69%*
25-48 Months 2.99%*
49-60 Months 3.49%*
61-72 Months 3.99%*
73-84 Months 4.99%*
New Recreational Vehicle
(Boats, RVs, Campers, ATVs, etc)
0-24 Months 2.99%*
25-48 Months 3.29%*
49-60 Months 3.79%*
61-72 Months 4.79%*
73-84 Months 5.99%*
85-120 Months 6.99%*
121-144 Months 7.99%*
145-180 Months 8.99%*
Used Recreational Vehicle
(Boats, RVs, Campers, ATVs, etc)
0-24 Months 3.99%*
25-48 Months 4.29%*
49-60 Months 4.79%*
61-72 Months 5.79%*
73-84 Months 6.99%*
85-120 Months 7.99%*
121-144 Months 8.99%*
145-180 Months 9.99%*
New Motorcycle 0-24 Months 3.19%*
25-48 Months 3.49%*
49-60 Months 3.99%*
61-72 Months 4.49%*
Used Motorcycle 0-24 Months 4.19%*
25-48 Months 4.49%*
49-60 Months 4.99%*
61-72 Months 5.49%*

Rates are based on an evaluation of credit history, so your rate may differ.  Vehicle loan payment example: New auto loan of $20,000 for four years at 1.99% APR will have a monthly payment of $433.82.  Taxes and insurance not included.  Refinancing is not available for existing CDC FCU vehicle loans.

Personal Loan Apply
Product Term Annual Percentage Rate
Personal
 
0-12 Months 8.50%*
13-24 Months 9.50%*
25-36 Months 10.50%*
37-48 Months 11.50%*

Rates are based on an evaluation of credit history, so your rate may differ.  Personal  loan payment example: Personal loan of $5,000 for two years at 9.50% APR will have a monthly payment of $229.57.

Mortgage Rates Apply
Program Name Rate Points Annual Percentage Rate
30 year fixed rate conventional (Conforming) 3.875%** 0.00% 4.049%
20 year fixed rate conventional (Conforming) 3.625%** 0.00% 3.840%
15 year fixed rate conventional (Conforming) 3.125%** 0.00%
3.398%
10 year fixed rate conventional (Conforming) 2.950%** 0.00% 3.345%
30 year Jumbo loan ($417,000 and over) 4.000%** 0.00% 4.115%
15 year Jumbo loan ($417,000 and over) 3.875%** 0.00% 4.034%**
5% down conv. NO PMI 30 year Fixed (Conforming) 4.250%** 0.00% 4.428%**
3% down conv. 30 year Fixed (Conforming)*** 4.000%** 0.00% 4.175%**

Rates are indications for 60 day lock-ins on single family, owner-occupied properties with loan to value ratio of 80% or less, for the applications filed using our Online Loan Application. ***3% down and 5% down payment programs are available for qualified applicants.  Please call for investment properties, duplexes, second homes or unusual circumstances. Please note that rates, applicable discount points, and closing costs may change without notice. Call your Loan Officer if you have questions. Loans must be in our system in order to lock. Rates are subject to change at any time. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates above are based on a borrower with a credit score of 720 or higher. Mortgage loan sample principal and interest payment:  $250,000 mortgage for 30 years at a rate of 3.750% (3.923% APR) will result in a monthly payment of $1,157.79.  Taxes and insurance not included.



Adjustable Rate Mortgages Apply
Payment Period Interest Rate Annual Percentage Rate
5/1 ARM Conventional and Jumbo (Conforming) 3.500% 3.663%
7/1 ARM Conventional and Jumbo (Conforming) 3.625% 3.789%
10/1 ARM Conventional and Jumbo (Conforming) 4.250% 4.421%

Advertised Annual Percentage Rate (APR). Interest rate and payment may increase after the initial 5 or 7 year period ends. If approved, your terms may vary based upon your specific situation. The products above do not include Rate Renew options and pricing. Rate Renew availability, interest rates, eligibility, and cost can change at any time.



Equity Loan (Fixed Rate Second Mortgage) Apply
Product Term Annual Percentage Rate
Owner occupied up to 80% CLTV 5 Year 4.00%
6-10 Year 5.00%
11-15 Year 6.00%
Owner occupied 81%-89% CLTV 5 Year 6.00%
6-10 Year 7.00%
11-15 Year 8.00%

Rates are based on an evaluation of credit history, so your rate may differ.  Sample Fixed Rate Second Mortgage Payment:  Loan of $100,000 for 15 years at 6.00% APR is $843.86.



Equity Line of Credit Apply
Product Term Annual Percentage Rate
Owner occupied up to 89% CLTV 10 Year 5.00%

  
CLTV means Combined Loan-To-Value Ratio
ELOCs are not subject to add-ons or discounts
Equity Lines of Credit - Wall Street Journal prime interest rate plus 1.75%
Up to 89% Combined Loan to Value

*Applicants must qualify under normal underwriting guidelines. Rates shown are lowest rates available and may vary depending on loan type, term, applicant credit history and credit union relationship. A relationship discount is offered to all qualified borrowers who maintain an active CDC FCU checking account, debit card, direct deposit and automatic debit. Rates and terms are subject to change. Maximum APR is 18.00%.

**Rates as of 8/28/2015.  Loan rates are subject to change at any time without notice.

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