Loan Rates

Rates effective May 17, 2018

APR = Annual Percentage Rate

Credit Card Rates

Credit Card Rates

Card Type	APR for Purchases	APR for Balance Transfers	APR for Cash Advances
Visa Platinum	8.95% to 17.95% based on your credit history	8.95% to 17.95% based on your credit history	8.95% to 17.95% based on your credit history
Visa Platinum Rewards	10.95% to 17.95% based on your credit history	10.95% to 17.95% based on your credit history	10.95% to 17.95% based on your credit history
Visa Signature®	9.95% to 17.95% based on your credit history	9.95% to 17.95% based on your credit history	9.95% to 17.95% based on your credit history
Visa Student	12.95%	12.95%	12.95%
Visa Student Rewards	14.95%	14.95%	14.95%
Visa Secured	14.95%	14.95%	14.95%

Mortgage Rates

First Mortgage Rates

Term	Rate	Points	APR	Payment Amount Per $1,000.00 Borrowed
25/30 Year Fixed	4.750%	0	4.798%	$5.26
20 Year Fixed	4.625%	0	4.700%	$6.46
15 Year Fixed	4.375%	0	4.456%	$7.67
10 Year Fixed	4.250%	0	4.330%	$10.37

First Mortgage Rates

Term	Rate
7 Year Fixed	3.50%
11 Year Fixed	4.00%

 

The assumptions for APR and cost per thousand calculations detailed above are as follows:

• Rate and term refinance
• Loan amount of $185,000
• Property Value of $250,000
• Closing fees of $2,707
• Credit Score >= 740

*Assumes a downpayment of 20%, a standard 45 day rate lock, and a loan amount of $150,000.

Mortgage Loans without an escrow for Real Estate taxes will be subject to an interest rate increase. Real Estate Tax escrow required on all loans with downpayments/equity less than 20%. Mortgage Loans with value in excess of 80% require Private Mortgage Insurance (PMI).

Payments do not include amount for taxes and insurance premiums. The actual payment obligation may be greater than stated.

Call our Mortgage Team today at 860-854-6807

Rates subject to change.

First Mortgage rates updated daily by 12pm EST.

 

Second Mortgage Loan Rates (5 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
5 Year	rates as low as 3.50%	$18.76	rates as low as 3.50%

Second Mortgage Loan Rates (10 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
10 Year	rates as low as 4.00%	$10.73	rates as low as 4.00%

Second Mortgage Loan Rates (15 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
15 Year	rates as low as 4.50%	$7.65	rates as low as 4.50%

Second Mortgage Loan Rates (20 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
20 Year	rates as low as 7.25%	$7.68	rates as low as 7.25%

• Your rate will be determined by your credit report.
• Home Equity loan rates will be increased by 0.50% if loan amount is less than $25,000.00
• Property and/or flood insurance required.

Home Equity Lines of Credit Rates (HELOC)

Home Equity Lines of Credit

Term	APR	Payment Per $1000 Borrowed	Assumptions
Up to 80% (Loan to Value)	as low as 4.25%	$4.25	Platinum credit and loan amount for $25,000

• Your rate will be determined by your credit report.
• Rates on Home Equity Line of Credits will be increased by 0.50% if line amount is less than $25,000.00
• Variable Rate is based on The Wall Street Journal Prime Rate as of the last business day of the previous billing cycle. Prime Rate is currently 4.75% APR.
• Minimum APR 4.25%, Maximum APR 18.00%
• Property and/or flood insurance required.

Home Improvement Loans

Home Improvement Loans

Term	APR	Payment Amount Per $1,000.00 Borrowed
5 years	as low as 7.99% APR	$20.27
10 years	as low as 8.99% APR	$12.66

Auto Loans

Auto Loan Rates

Term	Rate*	Payment Amount Per $1,000.00 Borrowed	Assumptions
Up to 63 months	as low as 3.74% APR	$17.51	Platinum credit and loan amount of $15,000
75 Months	as low as 3.99% APR	$15.09
84 Months	as low as 4.24% APR	$13.78

Boat & Recreational Vehicle Loan Rates

Term	APR	Payment Amount Per $1,000.00 Borrowed	Assumptions
Up to 24 Months	as low as 7.49% APR	$45.00	Platinum credit and a loan amount of $15,000
48 Months	as low as 8.49% APR	$24.64
72 Months	as low as 8.74% APR	$17.90
96 Months	as low as 8.99% APR	$14.65
120 Months	as low as 9.24% APR	$12.80

*Your rate will be determined by your credit report & age of vehicle.

• Insurance required.

Student Loans

Student Loans

Term	APR	Payment Amount Per $1,000.00 Borrowed
Up to 60 Months	as low as 6.49% APR	$19.56
120 Months	as low as 7.49% APR	$11.86
180 Months	as low as 8.49% APR	$9.84

Personal Loans

Personal Loans

Term	APR	Payment Amount Per $1,000.00 Borrowed	Assumptions
1 to 36 Months	as low as 7.49% APR	$31.10
37 to 60 Months	as low as 8.49%	$20.51
61 to 72 Months	as low as 14.49%	$20.87	Minimum loan amount of $25,000 for >60 months
73 to 84 Months	as low as 15.49%	$19.57	Minimum loan amount of $25,000 for >60 months

Share/CD Secured Loans

Term	APR	Payment Per $1000 Borrowed	Assumptions
	Share/CD rate plus 3%	$9.56	.05% dividend rate utilized to set loan rate. Loan amount of $15,000. Platinum credit and loan amount of $25,000.
5 Year Term
Up to 80% Loan to Value (LTV)	as low as 3.5%	$18.19
85% LTV	as low as 5.0%	$18.87
90% LTV	as low as 7.0%	$19.80
95% LTV	as low as 9.5%	$21.00
100% LTV	as low as 14.0%	$23.27
10 Year Term			Platinum Credit and loan amount of $25,000
Up to 80% (Loan to Value)	as low as 4.0%	$10.12
85% LTV	as low as 5.5%	$10.85
90% LTV	as low as 7.5%	$11.87
95% LTV	as low as 10.0%	$13.22
100% LTV	as low as 13.0%	$14.93
15 Year Term			Platinum credit and loan amount of $25,000
Up to 80% (Loan to Value)	as low as 6.25%	$8.57
85% LTV	as low as 7.75%	$9.41
90% LTV	as low as 9.75%	$10.59
95% LTV	as low as 12.25%	$12.16
100% LTV	as low as 15.25%	$14.17
20 Year Term			Platinum credit and loan amount of $25,000
Up to 80% (Loan to Value)	as low as 7.25%	$7.90
85% LTV	as low as 8.75%	$8.84
90% LTV	as low as 10.75%	$10.15
95% LTV	as low as 13.25%	$11.89
100% LTV	as low as 16.25%	$14.10

†Your rate will be determined by your credit report and term selected.

Seasons Federal Credit Union NMLS ID# 44185
Seasons Federal Credit Union Loan Officer's NMLS ID Information (PDF)