Loan Rates
Rates effective September 22, 2017
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 | 3.875% | 0 | 3.925% | $4.74 |
| 20 Year Fixed | 3.625% | 0 | 3.694% | $5.93 |
| 15 Year Fixed | 3.125% | 0 | 3.212% | $7.05 |
| 10 Year Fixed | 3.125% | 0 | 3.252% | $9.84 |
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 6.25% | $8.44 | rates as low as 6.25% |
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 3.75% | $3.75 | 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 4.25% APR.
- Minimum APR 3.75%, 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)