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Rates as of September 1, 2010
LOAN RATES
Rates effective as of the date shown above. All rates subject to change without notice.
Cars, Trucks and Motorcycle Loans
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Cars, Trucks, Motorcycle Loans
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APR*
New
|
APR*
Used
|
Term
|
| |
4.24%
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4.99%
|
0 - 36 months |
| |
4.49%
|
5.24%
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37 - 48 months |
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4.74%
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5.49%
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49 - 60 months |
| over $15,000 |
4.99%
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5.99%
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61 - 72 months |
| new only, over $15,000 |
5.99%
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n/a
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73 - 84 months |
Maximum term for loans under $10,000
36 months for 2005 and older models
48 months for 2006 and newer models
*APR = Annual Percentage Rate. Calculator
Recreational Vehicle Loans
| RV's, Boats, Motor Homes, Jet Ski's, Snowmobiles |
APR*
New
|
APR*
Used
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Term
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| RV's |
6.75%
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7.50%
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0 - 60 months |
| RV's - over $15,000 |
7.25%
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8.00%
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61 - 84 months
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| RV's - over $15,000 |
7.75%
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9.00%
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85 -120 months |
*APR = Annual Percentage Rate. Calculator
Mortgage Loans
| Home Equity variable rate***, open-end loan |
APR*
80% equity
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|
Term
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| Home Equity |
3.25%
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up to 120 months
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A sample estimated monthly payment on a $5,000 Home Equity loan with a 12 month term at 3.25% APR may be $423.98.
| Second Mortgage fixed rate, closed-end loan |
APR*
80% equity
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Term
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| Second Mortgage |
5.24%
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0 - 60 months
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| Second Mortgage |
5.49%
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61 - 84 months
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Second Mortgage
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5.99%
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85-144 months
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Second Mortgage
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6.49%
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145-180 months
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| First Mortgage fixed rate |
APR*
80% equity
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Term
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| First Mortgage |
4.99%
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up to 10 years
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| First Mortgage |
4.99%
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up to 15 years
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*APR = Annual Percentage Rate. Calculator
All loan rates subject to change without notice. All loans subject to credit approval. Mortgages loans limited to primary residences located in Erie and Crawford Counties in PA. Minimum loan amount $5,000. ***Home Equity Loans are variable rate loans, rates are based on Prime Rate and subject to change the first day of January, April, July, and October. The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less. Maximum loan-to-value of 80%. Mortgage fees up to $350 may apply. Other restrictions may apply. Contact loan department for additional information. Prospective members must meet current membership eligibility requirements. Must maintain $5.00 minimum balance in savings (01) account.
Additional Loans
| Loan Type |
Rate
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Term
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| Personal Loan |
10.99%
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60 months
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| Computer Loans |
8.00%
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60 months
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| Education Loans |
8.00%
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60 months
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| Vacation Loans |
10.00%
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12 months |
| Share Secured Loans |
3.25%
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60 months
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| Overdraft Protedction Loans |
12.00%
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| MasterCard Credit Card - no annual fee |
11.88%
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*APR = Annual Percentage Rate. Calculator
APR=Annual Percentage Rates. All rates are subject to change without notice. All loans are subject to credit approval. Certain terms and conditions may apply. Prospective members must meet current membership eligibility requirements. Must maintain $5.00 mimimum balance in savings (01). Contact a loan officer for additional information.
Use the Loan Calculator to estimate your monthly payment.
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