| Loan Type | Model Year | Month Term | Tier A | Tier B | Tier C | Tier D | Tier E |
|---|---|---|---|---|---|---|---|
| **100% | 90.00% | 80.00% | 80.00% | 80.00% | |||
| RE/Unimproved | 120 | 10.50% | 11.00% | 12.50% | 15.75% | 17.75% | |
| **Pays Closing Cost | 96 | 9.75% | 10.25% | 11.75% | 15.00% | 17.75% | |
| subcode F | 60 | 8.75% | 9.25% | 10.75% | 14.00% | 17.75% | |
| Re/1st Mortgage | 80% | 360 | 6.49% | 6.75% | 7.49% | 7.99% | 9.99% |
| subcode F | 80% | 240 | 6.35% | 6.49% | 7.24% | 7.60% | 9.50% |
| 80% | 180 | 5.75% | 5.99% | 6.99% | 7.49% | 8.94% | |
| Home Equity | |||||||
| 1ST Lien HE | 80% | 360 | 6.49% | 6.75% | 7.49% | 7.99% | 9.99% |
| 1ST Lien HE | 80% | 240 | 6.35% | 6.49% | 7.24% | 7.60% | 9.50% |
| 1st Lien HE | 80% | 180 | 5.75% | 5.99% | 6.99% | 7.49% | 8.94% |
| subcode G | 120 | 5.65% | 5.89% | 6.75% | 7.25% | 8.75% | |
| 74 1st lien/79 2nd lien | 96 | 5.59% | 5.79% | 6.29% | 6.79% | 8.59% | |
| 60 | 5.49% | 5.69% | 5.99% | 6.50% | 8.50% | ||
| All 2nd Lien Mortage Loans add $0.50 to the rate stated. | |||||||
| Signature/sub I | Max 10,000 | 60 | 10.74% | 11.74% | 14.25% | 17.50% | 18.00% |
| Spring Loan/sub I | Max 2,000 | 12 | 8.50% | 9.50% | 10.50% | 17.50% | 18.00% |
| Credit Builder/sub H | Max 1000 | 12 | 10.50% | Not based on credit score or tier | |||
| Bill Consolidation Plus | 60 | 8.24% | 8.74% | ||||
| Overdraft LOC | 24 | 12.25% | 12.75% | 14.25% | 17.50% | 18.00% | |
| Line of Credit | 24 | 12.25% | 12.75% | 14.25% | 17.50% | 18.00% | |
| subcode B | |||||||
| Shares 100% | 120 | 4.75% | |||||
| subcode H | 60 | 3.75% | |||||
| 48 | 3.50% | ||||||
| 36 | 3.25% | ||||||
| 24 | 3.25% | ||||||
| Share Certificate | 3% over Certificate Rate | No longer than Certificate | CD+3% | ||||
| subcode H | Rev 03/01/26 | *Rates may be subject to change without notice. | |||||
The rates appearing in this Rate Board are accurate and effective for loans as of 03/01/26 and are subject to change without notice. If you have any questions or require current rate information on your accounts, please call the Credit Union at 210-525-0100 or 1-800-222-2328 ext. 400.