Adjustable Rate Mortgage (ARM) Disclosures • Payments do not include amounts for tax and insurance premiums (including flood insurance), if applicable, and the actual payment obligation may be greater • Maximum 95% LTV for purchases • PMI will be required over 80% LTV • Adjustable rate mortgages use the 5 Year Treasury Constant Maturity as the index, caps 2% and 6% and a floor of 2.75% • 5/1 ARM has an interest rate that is initially fixed for five years then adjusts annually thereafter • 7/1 ARM has an interest rate that is initially fixed for seven years then adjusts annually thereafter • 10/1 ARM has an interest rate that is initially fixed for ten years then adjusts annually thereafter No points Adjustable Rate Mortgage payment based on $150,000.00 at 6.716% APR for 30 years is $911.42 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance. A rate lock fee will apply. Up to 95% LTV.
No points fixed Mortgage payment based on $150,000.00 at 7.144% APR for 30 years is $997.10. Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance. A rate lock fee will apply. Up to 95% LTV.
If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf. Property insurance is required and is not included in closing costs. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.
80% LTV-Homeowner’s insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. A fixed Home Equity Loan payment based on $10,000 at 6.125% APR for 5 years is $193.93.
100% LTV- Homeowner’s insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. A fixed Home Equity Loan payment based on $10,000 at 7.125% APR for 5 years is $198.63.
²LTV= loan-to-value.
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The rate will vary based on the highest prime rate published in the Wall Street Journal with a floor rate of 3.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. Additional terms and conditions apply. Member responsible for recording fees
The rate will vary based on the highest prime rate published in the Wall Street Journal with a floor rate of 4.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. Additional terms and conditions apply. Member responsible for recording fees.
*Annual Percentage Rate (APR). Monthly payment example $5,000.00 loan at 0.00% APR = $59.52 for 84 months. Maximum unsecured loan amount $50,000.00. Subject to Mass Save Heat Loan Program guidelines and credit approval. For Massachusetts residents only. Additional terms and conditions may apply. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program.
*Annual Percentage Rate (APR) payment example of maximum loan amount $25,000 at 9.50% APR for 84 months is $408.26. Actual payment may vary. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater. Offer based on creditworthiness and may be discontinued or changed at any time. Additional terms and conditions apply.
¹APR=Annual Percentage Rate
Loan rates are based on members with the best credit profile. All rates are subject to change at any time without notice. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.
*APR = Annual Percentage Rate; APY = Annual Percentage Yield; Terms and conditions apply. Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.
Calculator is for informational use only. Your actual loan terms will vary based on a number of factors.
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Calculator is for informational use only. Your actual savings will vary based on a number of factors.