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 Friday, February 23, 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
0.0004.375%4.473%$4.99Show Payments
1.0004.250%4.433%$4.92Show Payments
2.0004.125%4.394%$4.85Show 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 Friday, February 23, 2018

Interest RateAPRFully Indexed RatePayment per $1,000PaymentsApply
5/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
2.500%3.786%4.845%$3.95Show Payments
7/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
2.750%3.911%4.845%$4.08Show Payments
10/1 Year Adjustable Rate Mortgage (ARM) 30 Year Term
3.500%4.070%4.845%$4.49Show 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 if the down payment is less than 20%.
Homeowners insurance and flood insurance (if applicable) are required.
Maximum loan amount $453,100.00.
Adjustable rate mortgage payment may increase or decrease.
Adjustable rate mortgages used the index of 1.97 and a margin of 2.875% and Caps 2% and 6%.
All Interest Rates disclosed above 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 Friday, February 23, 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 $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 collateral 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, February 23, 2018

Interest RateAPRApply
10 Year Draw Period - 4.50% After Introductory Rate
1.500%1.500%
10 Year Draw Period - 4.50% After Introductory Rate
2.990%2.990%


APR= Annual Percentage Yield. 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. During the draw period, payments are interest only. During the repayment period, payments include principal and interest. 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 4.50% and the rate will never exceed 18%. Homeowners Insurance is required and flood insurance may be required (if applicable) prior to closing. There are no fees or charges to open and maintain your initial line of credit. (Appraisal and recording fees may be applicable. You will always be responsible for the recording fee to discharge your home equity line of credit loan). 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. Minimum credit score of 680 required. 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. During the draw period, payments are interest only. During the repayment period, payments include principal and interest. 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 4.50% and the rate will never exceed 18%. Homeowners Insurance is required and flood insurance may be required (if applicable) prior to closing. There are no fees or charges to open and maintain your initial line of credit. (Appraisal and recording fees may be applicable. You will always be responsible for the recording fee to discharge your home equity line of credit loan). 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. Minimum credit score of 660 required. 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 Loans

Rates as of Friday, February 23, 2018

Product DescriptionInterest RateAPRPayment per $1,000PaymentsApply

New or used Automobile Loans, 2019-2016

24-63 months2.440%2.440%$16.93Show Payments

New or used Automobile Loans, 2019-2016

64-75 months3.140%3.140%$14.70Show Payments

New or used Automobile Loans, 2019-2016

76-84 months3.490%3.490%$13.44Show Payments

Used Automobile Loans, 2015-2011

24 - 63 months2.890%2.890%$17.13Show Payments

Used Automobile Loans, 2015-2011

64-75 months3.690%3.690%$14.95Show Payments

Used Automobile Loans, 2015-2011

76 - 84 months3.990%3.990%$13.66Show Payments

Used Automobile Loans, 2010 and older

24-63 months3.690%3.690%$17.48Show Payments

New Motorcycle Loans

Up to 60 months2.990%2.990%$17.96Show Payments

Used Motorcycle Loans, 2019-2014

Up to 60 months3.490%3.490%$18.19Show Payments

Used Motorcycle Loans, 2013 models

Up to 48 months3.490%3.490%$22.35Show Payments

Used Motorcycle Loans, 2012 models

Up to 36 months3.490%3.490%$29.30Show Payments

Used Motorcycle Loans, 2011 models

Up to 24 months3.490%3.490%$43.20Show Payments


APR= Annual Percentage Rate. 125% Financing available on New Vehicles. Used Vehicle Financing based on NADA Clean Trade-In Value up to 125% of the Purchase Price. Payment examples above are based on longest term available. 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. Subject to credit underwriting and collateral approval.

Unsecured Personal Loans*

Rates as of Friday, February 23, 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