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Loan & Visa Rates

Loan Rates

Account Type Maximum Term Annual Percentage Rate
Vehicle Loans    
New Auto
(rates reflect 1/4% discount for direct payment)
48 mths
60 mths
72 mths
as low as 1.89%*
as low as 2.14%*
as low as 2.64%*
Used Auto
(rates reflect 1/4% discount for direct payment)
48 mths
60 mths
72 mths
as low as 2.99%*
as low as 3.24%*
as low as 3.74%*
New Motorcycle
(rates reflect 1/4% discount for direct payment)
48 mths
60 mths
72 mths
as low as 6.99%*
as low as 7.24%*
as low as 7.74%*
Used Motorcycle
(rates reflect 1/4% discount for direct payment)
48 mths
60 mths
72 mths
as low as 7.99%*
as low as 8.24%*
as low as 8.74%*
New RV
(rates reflect 1/4% discount for direct payment)
48 mths **
60 mths **
72 mths **
as low as 6.99%*
as low as 7.24%*
as low as 7.74%*
Used RV
(rates reflect 1/4% discount for direct payment)
48 mths **
60 mths **
72 mths **
as low as 7.99%*
as low as 8.24%*
as low as 8.74%*
Consumer Loans    
Home Improvement Up to $7,500, 48 – 60 months
$7,501 – $12,500, 72 months
as low as 8.25%*
Holiday Must be paid by June 30 of
following year
(available in Nov. and Dec.)
as low as 7.99%*
Vacation Up to $3000 for 24 months as low as 7.99%*
Bill Consolidation < $1,000, 12-month term
$1,001 – $5,000, 36-month term
as low as 11.99%*
Personal 36 months
48 months
60 months
as low as 10.99%
as low as 11.99%
as low as 12.49%
Hypothecation (Secured Loan) Based on amount borrowed 5.0%
Education Loans    
Education Up to $5,000/yr., up to 48 months;
not to exceed $15,000
$10,000 +, up to 60 months
as low as 6.99%
Interest-Only Student Years 1&2, $2500 max.
Years 3&4, $5000 max
9.0%
Real Estate    

Home Equity

($150 document
preparation fee)

Fixed Rate:
   5 year
   6 year
   7 year
Variable Rate:
  (5 year draw - floor of 4.50%)

4.50%
5.50%
6.50%

Prime minus 1/2%

All rates stated above are annual percentage rates (APRs) and are contingent upon approved credit. For applications and rates‚ please contact the MLO (Mortgage Loan Officer) at 410-398-6921.
*The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.
**15% downpayment required on all RV loans.
Rates are valid as of April 1, 2016 and are subject to change without notice.

Please call the credit union to obtain current rate information.

Visa Credit Cards

Annual percentage rate (APR) for purchases Classic: 8.99% - 14.99%
Share Secured: 12.0%
APR for cash advances and balance transfers Classic: 8.99% - 14.99%
Share Secured: 12.0%
Grace period for repayment of balances for purchases 25 days.
Method for computing the balance for purchases Average Daily Balance
(including new purchases)
Annual Fees None
Minimum Finance Charge None
Transaction fee for purchases None
Transaction fee for cash advances $5.00
Balance transfer fee $5.00
Late-payment fee $15.00
Over-the-credit-limit fee None

 

  203 Booth Street
Elkton, MD 21921
  410.398.6921
410.398.0032 fax
   info@ccsefcu.org
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