Loan Rates

 

Polish National CU Mortgage Loan Originators NMLS Registry Information

Contact a Polish National Credit Union employee for more details. The credit union is federally insured by NCUA. Additional insurance is provided by MSIC.


All Rates Are Subject To Change Without Notice

Fixed Rate Mortgages*

Rates as of Friday, March 17, 2017

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
10 Year Fixed Rate Mortgage
0.0003.125%3.368%$9.71Show Payments
1.0003.000%3.249%$9.66Show Payments
2.0002.875%3.120%$9.60Show Payments
15 Year Fixed Rate Mortgage
0.0003.500%3.668%$7.15Show Payments
1.0003.375%3.690%$7.09Show Payments
2.0003.250%3.714%$7.03Show Payments
20 Year Fixed Rate Mortgage
0.0004.125%4.259%$6.13Show Payments
1.0004.000%4.250%$6.06Show Payments
2.0003.875%4.243%$5.99Show Payments
30 Year Fixed Rate Mortgage
0.0004.250%4.347%$4.92Show Payments
1.0004.125%4.307%$4.85Show Payments
2.0004.000%4.267%$4.77Show Payments

The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here.

Cost per thousand does not include RE taxes & insurance premiums. Actual payment may be higher. Annual Percentage Rate (APR) for all loans are based on a representative $100,000 loan amount for the stated term and include the points listed. Rates require minimum 20% down payment/equity, minimum 740 credit score for 1st lien position purchase or rate and term refinance of single family primary residence. Rates are not guaranteed until lock-in and subject to change without notice. Maximum loan amount is $424,000. All loan applications subject to credit underwriting and property approval. Homeowner's insurance and flood insurance (if applicable) are required. Private mortgage insurance (PMI) is required if your down payment/equity is less than 20% and rates may be higher.


 

Adjustable Rate Mortgages*

Rates as of Friday, March 17, 2017

Interest RateAnnual Percentage RateFully Indexed RatePayment per $1,000PaymentsApply
5/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
2.750%3.317%3.570%$4.08Show Payments
2.750%3.317%N/A$4.08Show Payments
7/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
3.000%3.340%3.570%$4.22Show Payments
10/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
3.250%3.409%3.570%$4.35Show Payments

For ALL mortgage products the Maximum Loan-to-Value (LTV) 95%.
Annual Percentage Rates (APR's) assume $165,000 mortgage and a 20% down payment.
Private Mortgage Insurance (PMI) required is the down payment is less than 20%.
Homeowners insurance and flood insurance (if applicable) are required.
Maximum loan amount $424,100.00.
Adjustable rate mortgage payment may increase or decrease.

The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here.

 

Fixed Rate Home Equity Loans


Rates as of Friday, March 17, 2017

Interest RateAnnual Percentage RatePayment per $1,000PaymentsApply
5 Year Fixed Rate Home Equity Loans
3.000%3.000%$17.97Show Payments
10 Year Fixed Rate Home Equity Loans
3.750%3.750%$10.01Show Payments
15 Year Fixed Rate Home Equity Loans
4.250%4.250%$7.52Show Payments


Annual Percentage Rate (APR)

The advertised rate includes .25% discount for Auto Pay from PNCU Checking Account. (Cost per thousand does not include RE taxes & insurance premiums & actual payment increase)

 

Homeowner's insurance is required. No Closing Costs (Appraisal and recording fees may be applicable) Loan Amount $10,000.00 - $200,000.00. Rates Apply to owner occupied 1-4 family residences with a maximum LTV 80%. All loan applications are subject to credit underwriting and property approval. Consult a tax advisor concerning the deductibility of interest.


Home Equity Line of Credit - 10 year draw; 10 year repayment

Rates as of Friday, March 17, 2017

Interest RateAnnual Percentage RateApply
10 Year Draw Period - 3.75% After Introductory Rate
1.500%1.500%
10 Year Draw Period - 3.75% After Introductory Rate
2.990%2.990%

Annual Percentage Rate (APR)

 

Polish National Credit Union offers two different Home Equity Line of Credit products. The first product has an initial rate of 1.50% in effect until 12 months from the date the line is opened.  The initial rate may increase thereafter.  Rate is based on the highest Prime Rate published in the Wall Street Journal on the last business day of the month. The current prime rate is 3.75% and the rate will never exceed 18%.  Homeowners Insurance is required and flood insurance may be required (if applicable) prior to closing. No Closing Costs (Appraisal and recording fees may be applicable). Early termination fee $250 if paid off and closed in first 36 months. Loan Amount $10,000.00-$200,000.00. $500 minimum draw per transaction. Rates Apply to owner occupied 1-4 family residences with a maximum LTV 80%. All loan applications are subject to credit underwriting and property approval. Offer is for new money only and the rate requires a $20,000 draw to be taken at closing. Consult a tax advisor concerning the deductibility of interest. Rates are variable and subject to change without notice.

    

The second product offered has an initial rate of 2.99% in effect until 12 months from the date the line is opened.  The initial rate may increase thereafter.  Rate is based on the highest Prime Rate published in the Wall Street Journal on the last business day of the month. The current prime rate is 3.750% and the rate will never exceed 18%.  Homeowners Insurance is required and flood insurance may be required (if applicable) prior to closing. No Closing Costs (Appraisal and recording fees may be applicable). Early termination fee $250 if paid off and closed in first 36 months. Loan Amount $10,000.00-$200,000.00. $500 minimum draw per transaction. Rates Apply to owner occupied 1-4 family residences with a maximum LTV 80%. All loan applications are subject to credit underwriting and property approval. Consult a tax advisor concerning the deductibility of interest. Rates are variable and subject to change without notice.

 


 


Auto & Motorcycle

125% Financing available on New Vehicles.
Used Vehicle Financing based on NADA Clean Trade-In Value up to 125% of the Purchase Price. 
The posted rate includes a 0.25% PNCU Perks Checking discount and auto payment.

Rates as of Friday, March 17, 2017

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
Used 2014-2010 auto 24 to 63 months
Years 2014-2010 Terms 24 - 63 months2.290%2.290%$16.86Show Payments
Used 2014-2010 auto 64 to 75 months
Years 2014-2010 Terms 64 - 75 months2.990%2.990%$14.63Show Payments
Used 2014-2010 auto 76 to 84 months
Years 2014-2010 Terms 76 - 84 months3.990%3.990%$13.66Show Payments
Used 2009 and older auto 24 to 63 months
Used 2009 and Older 24 to 63 months 4.990%4.990%$18.08Show Payments
New or used 2018-2015 auto 24 to 63 months
Years 2018-2015 Terms 24-63 months1.990%1.990%$16.73Show Payments
New or used 2018-2015 auto 64 to 75 months
Years 2018-2015 Terms 64-75 months2.490%2.490%$14.41Show Payments
New or used 2018-2015 auto 76 to 84 months
Years 2018-2015 Terms 76-84 months3.490%3.490%$13.44Show Payments
New Motorcycle Loan to 60 months
New Motorcycle Loan to 60 months2.990%2.990%$17.96Show Payments
Used Motorcycle Loan to 60 months - 2013 & newer models
Used Motorcycle 2013 and Newer 3.490%3.490%$18.19Show Payments
Used Motorcyle Loan to 48 months - 2012 models
Used Motorcyle Loan to 48 months - 2012 model3.490%3.490%$22.35Show Payments
Used Motorcyle Loan to 36 months - 2011 models
Used Motorcyle Loan to 36 months - 2011 models3.490%3.490%$29.30Show Payments
Used Motorcycle Loan to 24 months - 2010 models
Used Motorcycle Loan to 24 months - 2010 models3.490%3.490%$43.20Show Payments
*APR - Annual Percentage Rate. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score. Subject to credit approval. Maximum loan amount for vehicle loan $80,000.00; Motorcycle loans - $50,000.00. Financing up to 100% of MSRP or NADA retail value.


Unsecured Personal Loans*

Minimum Amount: $1,500.00 / Maximum Amount: $10,000.00

Rates as of Friday, March 17, 2017

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000Apply
Unsecured Personal Loans-$1500.00 Minimum Amount/$10,000.00 Maximum Amount.
4 Years9.750%9.750%$25.24
*APR - Annual Percentage Rate. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score.
 
Membership is attained by making a $25.00 deposit into a savings account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties.
 
Polish National Credit Union
NMLS# 439259