Loan & Credit Card Rates
Accurate
as of
Revised January 15, 2013
Rates are subject to
change without
notice
There is a $20.00 Loan Application Fee.
| Personal Secured Loan | ||
|---|---|---|
| Loan Type | APR* | Term |
| Share Secured | 4.99% | Up to 60 months |
| Certificate Secured | 5.50% | Up to 60 months |
| *Annual Percentage Rate | ||
| Personal Unsecured Loan | ||
|---|---|---|
| Loan Type | APR as low as...** | Term |
| Signature Loans | 7.59%* | 36 months |
| 7.79%* | 48 months | |
| Personal Service Loan | 7.79%* | Payments are $3.00 for every $100.00 borrowed |
| **Rates will be determined by member's credit worthiness | ||
| Loan Type | APR as low as...* | Term |
|---|---|---|
| New Car/Truck | 1.49%* | Up to 24 months |
| 1.79%* | Up to 36 months | |
| 2.19%* | Up to 48 months | |
| 2.39%* | Up to 60 months | |
| 2.99%* | Up to 72 months | |
| Used Car/Truck | 2.54%* | Up to 24 months |
| 2.64%* | Up to 36 months | |
| 2.74%* | Up to 48 months | |
| 2.84%* | Up to 60 months | |
| 3.74%* | Up to 72 months | |
| New Motorcycle | 7.75%* | Up to 48 months |
| 8.00%* | Up to 60 months | |
| 8.25%* | Up to 72 months | |
| Used Motorcycle | 8.00%* | Up to 48 months |
| 8.25%* | Up to 60 months | |
| 8.50%* | Up to 72 months | |
| New Recreational Vehicle / Boat | 6.99%* | 7 years |
| 7.49%* | 10 years | |
| 7.99%* | 15 years | |
| Used Recreational Vehicle / Boat | 7.49%* | 7 years |
| 7.99%* | 10 years | |
| 8.49%* | 15 years | |
| Older model vehicles (2005 and older) Includes cars and trucks |
5.74%* | Up to 36 months |
| 6.24%* | 48 months | |
| New ATV | 8.00%* | Up to 48 months |
| 8.50%* | Up to 60 months | |
| 9.00%* | Up to 72 months | |
| Used ATV | 8.25%* | Up to 48 months |
| 8.75%* | Up to 60 months | |
| 9.25%* | Up to 72 months | |
|
**.25% will be added for a refinance of an existing Tri Boro loan New 2013-2012 Models or Demos with under 5,000 miles Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. Older vehicles will be subject to a Condition Report. Vehicle loans may require 20% - 25% downpayment. All vehicles must be titled. *Annual Percentage Rate Financing must originate at Tri Boro FCU |
||
| Model Year | Maximum Term | |
|---|---|---|
| 2013-2010 | Up to 72 months | |
| 2009-2008 | Up to 60 months | |
| 2007-2006 | Up to 48 months | |
| 2005 and Older | Up to 48 months | |
| Includes Cars, Trucks, Motorcycles, and ATV's | ||
| Loan Type | APR as low as...* | Term |
|---|---|---|
| New Mobile Home | 8.00% | 7 years |
| 8.50% | 10 years | |
| 9.00% | 15 years | |
| Used Mobile Home | 8.25% | 7 years |
| 8.75% | 10 years | |
| 9.25% | 15 years | |
|
Max to Finance is
80% LTV Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. $25.00 fee will be charged for Mobile Home Evaluation |
||
| Real Estate Loans | ||
|---|---|---|
| Loan Type | APR as low as...** | Term |
| Home Equity Loans First Lien Position at 80% LTV or Lower | 2.79% | 3 Year |
| 2.99% | 5 Year | |
| 3.29% | 7 Year | |
| 3.49% | 10 Year | |
| 3.99% | 15 Year | |
| 4.19% | 20 Year | |
| Home Equity Loans Second Lien Position at 80% LTV or Lower | 3.29% | 3 Year |
| 3.49% | 5 Year | |
| 3.79% | 7 Year | |
| 3.99% | 10 Year | |
| 4.74% | 15 Year | |
| 4.94% | 20 Year | |
| Home Equity Check Credit | 3.25% | Variable |
|
Loans under $50,000.00 will pay closing costs of $399.00. Loans over $50,000.00 will pay closing costs of $399.00 or add 1.00% to rate. Interest rate will be 1.00% higher than advertised rate for loan amounts exceeding 80% of house value, up to 90% LTV max, Over $100,000 call for closing fees. Interest rates will be .25% higher for a No cash out refinance of an existing Tri Boro loan if not borrowing a minimum of $5,000 in new money. **Rates will be determined by member's credit worthiness |
||
| First Mortgages (Financing up to 95% LTV) | ||
|---|---|---|
| Duration | Rate | APR* |
| 15 Years | 3.00% + 0 Points | 3.50% |
| 2.875% + 1 Point | 3.375% | |
| 2.75% + 2 Points | 3.25% | |
| 20 Years | 3.50% + 0 Points | 4.00% |
| 3.375% + 1 Point | 3.875% | |
| 3.25% + 2 Points | 3.75% | |
| 30 Years | 3.75% + 0 Points | 4.25% |
| 3.625% + 1 Point | 4.125% | |
| 3.50% + 2 Points | 4.00% | |
|
Rates are available for purchase money, refinances from other financial institutions, or refinances of Tri Boro FCU loans when over $5,000 in new money is borrowed. Borrower will pay all closing costs. There is an additional 1/2 pt fee for cash out refinances. Loans over $417,000.00 will have 1/8% added to their base rate Loans between 80% to 90% LTV will have 1/8% added to their base rate, and Private Mortgage Insurance (PMI) required. Maximum LTV is 95% All mortgage rates are subject to approval. Counteroffers may be made $5,000.00 minimum on First Mortgage Loans and Home Equity Check Credit Loans "No cash out" modification rates of Tri Boro loans are available. Borrower will pay a modification fee. |
||
| VISA | |
|---|---|
| APR | |
| Classic | 12.75% |
| Platinum | 12.50% |
| Platinum Preferred* | 9.90% |
| Student | 6.99% |
* Platinum Preferred requires a minimum account balance of $500.00 in shares or certificates.
Important Changes to your Visa Account
effective March 1, 2011
- $10.00 Annual Fee
- $25.00 Cash Advance Fee
- $25.00 Balance Transfer Fee
- $5.00 Card Replacement Fee
- $5.00 Pin Replacement Fee
PLEASE
NOTE:
Subject to change without notice. Call credit union for updated rates.
Certain restrictions may apply
Privacy Disclosure
Please contact us with any questions or comments:
Phone: (412) 461-3018 | Fax: (412) 461-0842| Email: info@triboro-fcu.org
 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency |
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