Loan Rates
Effective 12/22/2023
Vehicles
| Loan | APR | Term |
|---|---|---|
| *Autos | 4.90%* to 18.00% | N/A |
| *ATV (Dirt Bikes, 4-Wheelers, etc.) | 7.90% to 13.90% | up to 48 months |
| *Watercraft | 7.49% to 15.90% | up to 60 months |
| *Motorcycles | 7.90% to 15.90% | up to 60 months |
| *Motor Home/Travel Trailer | 7.90% to 14.90% | up to 84 months |
Personal
| Loan | APR | Term |
|---|---|---|
| Personal | 9.90% to 16.90% | N/A |
| Fully Secured by CD - Variable Rate | 2.50% above CD rate up to 60 months | Determined by FBCU CD Maturity Date |
Real Estate
| Loan | APR | Term |
|---|---|---|
| *†Residential Mortgage | 5.875% to 7.875% | up to 360 months |
| *†Home Equity | 5.375% to 8.125% | up to 360 months |
| *Mobile Home with Land | 10.250% to 11.500% | up to 120 months |
| †Interim Construction Loans | 10.250% to 11.250%, A.P.R. determined by loan | Maximum term 18 months |
| †Land Loans | 10.250% to 11.250% | up to 120 months |
A.P.R. = annual percentage rate. *A.P.R. determined by credit score (Risk Base Pricing).
†Fees and other restrictions may apply, including loan amount, loan term and % Loan-to-Value (LTV)
* Lowest auto rate with autopay transfer from your First Basin Checking Account.
* Mobile Home with Land must be registered as real property to qualify for lending.
Note: All of the above rates are with a First Basin Credit Union account.This disclosure statement is incorporated into and comes as part of your credit plan agreement. Please keep this attached to your credit plan agreement. The annual percentage rates and corresponding daily periodic rates for each loan type are listed above. Credit life, joint life, disability, and involuntary unemployment insurance monthly premium factors are listed below.
- Single Life: .67¢ per $1000 of insured debt; maximum life insurance amount of $50,000.
- Joint Life: $1.00 per $1000 of insured debt; maximum life insurance amount of $50,000.
- Disability: $2.31 per $1000 of insured debt; maximum monthly benefit of $1,000.