Loan Rates

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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 Wednesday, April 18, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
10 Year Fixed Rate Mortgage
0.0003.250%3.500%$9.77Show Payments
1.0003.125%3.368%$9.71Show Payments
2.0003.000%3.249%$9.66Show 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
0.0003.875%4.007%$5.99Show Payments
1.0003.750%3.998%$5.93Show Payments
2.0003.625%3.989%$5.86Show Payments
30 Year Fixed Rate Mortgage
0.0004.500%4.599%$5.07Show Payments
1.0004.375%4.560%$4.99Show Payments
2.0004.250%4.521%$4.92Show 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 660 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 $453,100. 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 Wednesday, April 18, 2018

Interest RateAPRFully Indexed RatePayment per $1,000PaymentsApply
5/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
2.500%4.092%4.935%$3.95Show Payments
7/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
2.750%3.953%4.935%$4.08Show Payments
10/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
3.500%4.104%4.935%$4.49Show Payments


*APR= Annual Percentage Rate and assumes $165,000 mortgage and a 20% down payment. Maximum Loan-to-Value (LTV) is 95%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $453,100. Adjustable Rate Mortgages use the index of 2.06 and caps 2% and 6%. The above rates are discounted. 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 Wednesday, April 18, 2018

Interest RateAPRPayment 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


*APR= Annual Percentage Rate. The advertised rate includes a 0.25% discount for Automatic Payment from a PNCU Perks Checking Account. Homeowner's insurance is required. Closing costs will not apply (appraisal, courier, and recording fees may be applicable). The minimum loan amount is $10,000.00 and the maximum loan amount is $250,000. Rates apply to owner occupied 1-4 family residences with a maximum LTV 80%. All loan applications are subject to credit underwriting and collateral approval. Consult a tax advisor concerning the deductibility of interest.



Home Equity Lines of Credit*

Rates as of Wednesday, April 18, 2018

Interest RateAPRProduct DescriptionApply
Perks Home Equity Line of Credit
1.500%1.500%During Introductory Period
4.500%4.500%Variable Rate After Introductory Period
Value PLUS Home Equity Line of Credit
5.750%5.750%


Perks Home Equity Line of Credit

*APR= Annual Percentage Rate. Introductory rate of 1.50% fixed for the first six (6) months after loan and Prime minus 0.25% after. After the six (6) month introductory rate period, the interest rate will be variable and equal the Index minus 0.25%.  The index is the PRIME RATE published daily in the Money Rates column of the Wall Street Journal. The APR may increase or decrease each month if the Prime Rate changes throughout the Draw Period and the Repayment Period. The maximum APR is 18% and the minimum APR is 4.25%. The Draw Period is ten (10) years and the Repayment Period is twenty (20) years. The total term is thirty (30) years. Monthly payments of interest only calculated on the amount advanced will be required during the draw period. Monthly payment of principal and interest will be required during the repayment period. Up to 80% of the value of your home minus your first mortgage balance (if any). The minimum credit limit is $10,000 and the maximum credit limit is $250,000. If the line of credit is paid off within the first twelve (12) months after loan opening, an early termination fee of $450 will be charged in addition to any balance due on the loan. If the line of credit is paid off after the 12th month and within thirty six (36) months after loan opening, an early termination fee of $350 will be charged addition to any balance due on the loan. Typical legal and recording fees will be paid by the credit union. Borrower(s) will be responsible for any fees related to trust review, subordinations, discharges, etc. If an appraisal is required, the appraisal fee will be paid by the borrower(s). Homeowner’s insurance and flood insurance (if applicable) are required. Eligible properties are 1-4 family, owner occupied homes. All loan applications are subject to PNCU credit guidelines, property approval and underwriting requirements. All rates are subject to change without prior notice.

Value PLUS Prime Home Equity Line of Credit

*APR= Annual Percentage Rate. The interest rate will be the current Prime Rate plus 1.00%. The interest rate is variable and equal to the Index plus a margin of 1%. The index is the PRIME RATE published daily in the Money Rates column of the Wall Street Journal. The APR and payment may increase or decrease each month if the Prime Rate changes during the Draw Period or the Repayment Period. The maximum APR is 18% and the minimum APR is 4.25%. The Draw Period is ten (10) years and the Repayment Period is twenty (20) years. The total term is thirty (30) years. Monthly payments of interest only calculated on the amount advanced will be required during the Draw Period. Monthly payments of principal and interest will be required during the Repayment Period. Up to 90% of the value of your home minus your first mortgage balance (if any). The minimum credit limit is $10,000 and the maximum credit limit is $250,000. The minimum median credit score of at least one borrower must be 700. The maximum debt to income ratio (DTI) is 41%. All loans are subject to PNCU credit guidelines, property approval and underwriting requirements. If the line of credit is paid off within the first twelve (12) months after loan opening, an early termination fee of $450 will be charged in addition to any balance due on the loan. If the line of credit is paid off after the 12th month and within thirty-six (36) months after loan closing, an early termination fee of $350 will be charged in addition to any balance due on the loan. Typical legal and recording fees will be paid by the credit union. Borrower(s) will be responsible for any fees related to trust review, subordinations, discharges, etc. If an appraisal is required, the appraisal fee will be paid by the borrower(s). Homeowner’s insurance and flood insurance (if applicable) are required. Eligible properties are 1-4 family, owner occupied homes.  All rates are subject to change without prior notice.

  

Auto & Motorcycle Loans*

Rates as of Wednesday, April 18, 2018

Product DescriptionInterest RateAPRPayment per $1,000PaymentsApply

New or used Automobile Loans, 2019-2016

24-63 months3.390%3.390%$17.35Show Payments

New or used Automobile Loans, 2019-2016

64-75 months4.090%4.090%$15.13Show Payments

New or used Automobile Loans, 2019-2016

76-84 months4.390%4.390%$13.85Show Payments

Used Automobile Loans, 2015-2011

24 - 63 months3.840%3.840%$17.55Show Payments

Used Automobile Loans, 2015-2011

64-75 months4.640%4.640%$15.39Show Payments

Used Automobile Loans, 2015-2011

76 - 84 months4.690%4.690%$13.99Show Payments

Used Automobile Loans, 2010 and older

24-63 months4.640%4.640%$17.92Show Payments

New Motorcycle Loans

Up to 60 months3.740%3.740%$18.30Show Payments

Used Motorcycle Loans, 2019-2014

Up to 60 months3.990%3.990%$18.41Show Payments

Used Motorcycle Loans, 2013 models

Up to 48 months3.990%3.990%$22.57Show Payments

Used Motorcycle Loans, 2012 models

Up to 36 months3.990%3.990%$29.52Show Payments

Used Motorcycle Loans, 2011 models

Up to 24 months3.990%3.990%$43.42Show Payments

*APR= Annual Percentage Rate. Rates shown are based on our credit Tier I and includes a 0.25% discount for Automatic Payment from a PNCU Perks Checking Account. Your actual rate may be higher based on your individual credit score. Subject to credit approval. Maximum loan amount for vehicle loan is $80,000 and motorcycle is $50,000. 125% Financing available on New Automobiles. Used Automobile Financing based on NADA Retail Value up to 125% of the Purchase Price. 100% Financing available on New Motorcycles. Used Motorcycle Financing based on NADA Retail Value up to 100% of the Purchase Price.

Personal Loans*

Rates as of Wednesday, April 18, 2018

Product DescriptionInterest RateAPRPayment per $1,000Apply
Unsecured Personal Loans-$1500.00 Minimum Amount/$10,000.00 Maximum Amount.
4 Years12.990%12.990%$26.82


*APR= Annual Percentage Rate. The advertised rate includes a 0.25% discount for Automatic Payment from a PNCU Perks Checking Account and is based on our Tier 1 Credit. Your actual rate may be higher based on your individual credit score. Payment examples above are based on longest term available. Subject to credit underwriting approval.


To be eligible for a loan, you must be a member of PNCU. 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 in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.
 
Polish National Credit Union
NMLS# 439259