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Routing Number: 264281432
The site navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
Routing Number: 264281432
Current Rates
Deposit Rates
-
Primary Share
Minimum Balance
$1.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Christmas Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Health Savings Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Jump Start Savings $0 - $5,000*
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
2.000%
Annual Percentage Yield (APY)
2.00%
Subject to Change
Quarterly
-
Vacation Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*A Jump Start Saving Account is for ages 0 to 23 only. If under 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a primary share savings account when the member reaches age 24. Balance over $5,000 continues to earn the regular share savings rates.
-
High Yield Checking ($0 - $15,000)
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
2.477%
Annual Percentage Yield (APY)
2.50%
Subject to Change
Monthly
-
High Yield Checking ($15,000.01 +)
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Monthly
-
Everyday Checking
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%*
Subject to Change
Monthly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
View qualification requirements for High Yield Checking and Everyday Checking.
-
Limited Time Offers
6 Months (ADR/APY)
2.96/3.00%5
50% New Money9 Months (ADR/APY)
5.08/5.20%6
100% New Money12 Months (ADR/APY)
4.41/4.50%7
100% New Money -
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
1. 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
2. 19 Month Select Rate Share Certificate rate may change once after 9 months at member's request.
3. 25 Month Select Rate Share Certificate rate may change once after 12 months at member's request.
4. 60 Month Share Certificate rate is a fixed rate.
5. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
6. Minimum balance to receive advertised rate is $25,000. Rates accurate as of 5/10/2023 and require new money not transferred from an existing Y-12 FCU account. Rates subject to change without notice. Penalties may apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.
7. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022 and require new money not transferred from an existing Y-12 FCU account.. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
-
High Yield Money Market $50,000-249,999
Minimum Balance
$50,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
-
High Yield Money Market $250,000+
Minimum Balance
$250,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
-
Money Market $100,000+
Minimum Balance
$100,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
-
Money Market $75,000-99,999
Minimum Balance
$75,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
-
Money Market $25,000-74,999
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
-
Money Market $2,500-24,999
Minimum Balance
$2,500
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.150%
Annual Percentage Yield (APY)
0.15%
Subject to Change
Daily
APY is accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
-
Traditional
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Roth Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Education Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
60 Months (ADR/APY)
1.094/1.10%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
60 Months (ADR/APY)
1.094/1.10%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
60 Months (ADR/APY)
1.094/1.10%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate. APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
24 Months (ADR/APY)
0.747/0.75%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
- 13 Month Select Rate Certificate rate may be changed once after 6 months at member's request.
- 19 Month Select Rate Certificate rate may change once after 9 months at members request.
- 25 Month Select Rate Certificate rate may be changed once after 12 months at member's request.
Business Accounts
-
Primary Business Share
Minimum Balance
$1
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Secondary Business Share
Minimum Balance
$0
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
-
Basic Business Checking
Minimum Balance
$5
Annual Dividend Rate
N/A
Annual Percentage Yield (APY)
N/A
Subject to Change
N/A
-
Advantage Business Checking ($1,500-$4,999)
Minimum Balance
$1,500
Annual Dividend Rate
0.030%
Annual Percentage Yield (APY)
0.03%
Subject to Change
N/A
-
Advantage Business Checking ($5,000 and up)
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
-
Premier Business Checking ($0-$4,999)
Minimum Balance
$0-4,999
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
N/A
-
Premier Business Checking ($5,000 and up)
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
-
Business Money Market ($100,000 and up)
Minimum Balance
$100,000
Annual Dividend Rate
0.350%
Annual Percentage Yield (APY)
0.35%
Subject to Change
Daily
-
Business Money Market ($75,000-$99,999)
Minimum Balance
$75,000
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
-
Business Money Market ($25,000-$74,999)
Minimum Balance
$25,000
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
-
Business Money Market ($2,500 and $24,999)
Minimum Balance
$2,500
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
-
Business High Yield Money Market ($50,000-$249,999)
Minimum Balance
$50,000-$249,999
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
-
Business High Yield Money Market ($250,000 and up)
Minimum Balance
$250,000
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
APY is accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
-
$100,000+
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.250/0.25%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.399/0.40%
36 Months(ADR/APY)
0.549/0.55%
-
$50,000-99,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.200/0.20%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.349/0.35%
36 Months(ADR/APY)
0.549/0.55%
-
$10,000-49,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.150/0.15%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.300/0.30%
36 Months(ADR/APY)
0.549/0.55%
-
$500-9,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.100/0.10%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
36 Months(ADR/APY)
0.549/0.55%
APY is accurate as of 6/1/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Consumer Loans
-
Signature Loan
APR*
as low as 12.49% Fixed
-
Ultra Loan
APR*
as low as 13.99% Fixed
-
Access Line Of Credit
APR*
as low as 15.74% Variable
-
Share Secured - Installment Loan
APR*
2.00% above share rate to nearest .25% Variable
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.
-
Auto Loan 2017-2024
Fixed APR*
as low as 6.99%
-
Auto Loan 2010-2016
Fixed APR*
as low as 7.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.99% APR, the monthly payment will be $377.48.
-
2018-2024
Fixed APR*
as low as 7.49%
-
2010-2017
Fixed APR*
as low as 8.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 5.49% APR, the monthly payment will be $382.09.
-
2018-2024
Fixed APR*
as low as 8.49%
-
2010-2017
Fixed APR*
as low as 9.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 6.49% APR, the monthly payment will be $391.42.
Credit Cards
-
VISA Signature Rewards
Credit Card Rates
Annual Percentage Rate1 for Purchases
16.24% to 18.00%
Earn Loyalty Rewards
Yes
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
VISA Traditional
Credit Card Rates
Annual Percentage Rate1 for Purchases
13.74% to 18.00%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
VISA Secured 2
Credit Card Rates
Annual Percentage Rate1 for Purchases
17.74%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.
2 - A VISA Secured credit card is used to establish or re-build your credit history. This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where VISA is accepted.
Mortgage Home Loans
-
30-Year Fixed Mortgage
Interest Rate
7.000%
Annual Percentage Rate (APR)
7.123%
Origination Fee
1.00%
-
15/15 30-Year Adjustable Rate Mortgage
Interest Rate
6.875%
Annual Percentage Rate (APR)
7.003%
Origination Fee
1.00%
-
5/5 30-Year Adjustable Rate Mortgage
Interest Rate
7.000%
Annual Percentage Rate (APR)
7.130%
Origination Fee
1.00%
-
15-Year Fixed
Interest Rate
6.625%
Annual Percentage Rate (APR)
6.831%
Origination Fee
1.00%
-
10-Year Fixed
Interest Rate
6.375%
Annual Percentage Rate (APR)
6.661%
Origination Fee
1.00%
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USDA
Interest Rate
7.500%
Annual Percentage Rate (APR)
7.636%
Origination Fee
1.00%
Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Taxes and insurance not included in payment examples; actual payment obligation will be higher. For jumbo rates you may contact us directly at 865-482-1043
Home Equity Line of Credit
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1st Lien Position
60 Months
APR1 (as low as) 5.74%
Monthly Payment2 $19.21120 Months
APR1 (as low as) 6.24%
Monthly Payment2 $11.22180 Months
APR1 (as low as) 6.49%
Monthly Payment2 $8.71240 Months
APR1 (as low as) 6.99%
Monthly Payment2 $7.75 -
2nd Lien Position
60 Months
APR1 (as low as) 6.74%
Monthly Payment2 $19.68120 Months
APR1 (as low as) 7.24%
Monthly Payment2 $11.73180 Months
APR1 (as low as) 7.49%
Monthly Payment2 $9.26240 Months
APR1 (as low as) 7.99%
Monthly Payment2 $8.36
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
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Variable, Revolving
APR1 (as low as)
7.50%
VPR3 (as low as)
Prime – 0.50%
Monthly Payment2
Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
-
Variable, Revolving
APR1 (as low as)
8.50%
VPR3 (as low as)
Prime + 0.50%
Monthly Payment2
Monthly payment is the interest accrued.
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
Federally Insured by NCUA.
NMLS #441816
