loan rates

*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: 3.44% APR for 60 months equals $18.17 for every $1,000 borrowed. 48-month financing requires a minimum loan amount of $5,000. 60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $15,000. 84-month financing requires a minimum loan amount of $20,000.

*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: 3.99% APR for 60 months equals $18.42 for every $1,000 borrowed. 48-month financing requires a minimum loan amount of $5,000. 60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $20,000. 84-month financing requires a minimum loan amount of $30,000. 120-month financing requires a minimum loan amount of $35,000.

*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: 3.99% APR for 48 months equals $22.58 for every $1,000 borrowed. 48-month financing requires a minimum loan amount of $5,000. 60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $20,000.

*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: 9.99% APR for 48 months equals $25.37 for every $1,000 borrowed. 60-month financing requires a minimum loan amount of $10,000. The Maximum Personal Loan amount is $50,000.

**Annual Percentage Rate (APR). Fixed APRs starting at 8.99% APR based on creditworthiness. Rates as low as 8.99% are available for qualifying credit scores of 600 and above. An APR of 10.99% applies to credit scores below 600. All loans are subject to credit approval. A $2,000 loan at 8.99% APR with a 12-month term will result in monthly payments of approximately $178.33, totaling $2,139.96 with a finance charge of $139.96. Rates and terms may vary based on the applicant’s creditworthiness. Only one loan per SSN will be allowed. This promotion is subject to change without notice. Other restrictions may apply. For more details, visit blueoxcu.org or call 800.648.8035.

*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Regular monthly payments will be determined based on the rate, term selected, and individual loan amount. Payment Example: $100,000 at 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan-to-value ratio of 80% and 20% down.

**APR = Annual Percentage Rate. The promotional period begins August 5, 2024. The introductory rate applies to new Home Equity Lines of Credit (HELOC) only. The rate you receive will be based on certain creditworthiness. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. The initial rate for the HELOC low introductory rate promotion is a fixed rate not based on the index and margin used for subsequent rate adjustments. The Introductory Annual Percentage Rate (APR) of 5.99% APR fixed is for home equity line of credit accounts only and applies to balances on the first four monthly statement cycles after the loan open date and which changes to a variable APR as low as 3.50% at the end of the introductory period. To receive this rate, the application must be submitted between August 5, 2024, and August 30, 2024, and the loan must close within 30 days of application date. After the introductory period, the APR can vary and is based on Prime Rate plus a margin of +0.50% to +2.50% based on credit rating. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal “Money Rates” table on the 20th of the prior month. Minimum APR 3.50%, maximum APR 18.00%. The maximum loan term available is a 5-year draw with a 10-year principal and interest repayment period. Max combined loan to value for HELOC is up to 80% for applicants with credit scores of 590+. HELOC qualifies for introductory rate with a minimum credit line of $20,000 and a loan amount of $5,000 taken at closing. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay amortized principal and interest payments on the outstanding balance monthly. After the draw period, you may not withdraw any more funds from the line, you will continue to pay the amortized principal and interest monthly. Offer not applicable on refinance of existing Allegan Credit Union, Rivertown Credit Union, or BlueOx Credit Union, divisions of Ignite Credit Union HELOCs. There are no loan processing or early closure fees and no prepayment penalty. The borrower is responsible for the cost of appraisal, if required. Allegan Credit Union, Rivertown Credit Union, BlueOx Credit Union, divisions of Ignite Credit Union do not offer escrow services. The minimum payment required is interest only or $100,whichever is greater. Rates, terms, and conditions are subject to change without notice. For full promotional details, visit our website at blueoxcu.org or call us at (800) 648-8035.

^{†APR=Annual Percentage Rate. After the six-month introductory period, the rate is the same as the purchase rate. There are no Balance Transfers or Cash Advance fees. Foreign Transaction Fees are 1.00% of each transaction in US Dollars. If you are charged interest, the charge will be no less than $1.00. Late Payment Fees are up to $29.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles after the initial payment, you will be charged $40.00 or the amount of the minimum payment, whichever is less.  All rates are variable, based on Prime Rate. Actual APR based on credit history. Subject to credit approval. Rates are subject to change without notice. 0.00% Introductory APR for 6 billing cycles from the date of account opening of balance transfers. After that, the standard APR will be 13.24% to 17.75%, depending on your credit history.} 

home mortgage loans

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