Loan Rates

Rates effective April 25, 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 4.000% 0 4.050% $4.81
20 Year Fixed 3.875% 0 3.944% $6.06
15 Year Fixed 3.250% 0 3.338% $7.11
10 Year Fixed 3.125% 0 3.252% $9.84
         

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 3.50% $3.50 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 3.75% APR.
  • Minimum APR 3.25%, 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 2.99% APR $17.17 Platinum credit and loan amount of $15,000
75 Months as low as 3.24% APR $14.75  
84 Months as low as 3.49% APR $13.44  

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)

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