Aberdeen Federal Credit Union

Loan Rates

Secured Loans

Payment Schedule - at 2.90% APR, 60 monthly payments of $17.92 per $1000.00 borrowed. All Secured Loans have a maximum term of 84 months.

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Effective as of 12/1/14

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

2.49%2.99%4.99%7.99%10.99%13.49%

 

Home Loans

Purchase or Refinance

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Effective as of 12/1/14

SDHDA - First Time Home Buyer

3.375%

Conventional (15 year)

3.250%

Conventional (30 year)

4.250%

FHA (Federal Housing Administration)

3.500%

Rural Development

3.500%

VA

3.500%

 

HELOC Rates

Effective as of 12/1/14

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

4.00%4.00%4.25%7.25%10.25%15.25%

 

Real Estate Loans

Payment Schedule - at 5.75% APR, 360 monthly payments of $5.84 per $1000.00 borrowed.

Click here for Mortgage Application

 

Effective as of 12/1/14

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

5.75%6.25%7.75%10.25%13.00%14.75%

 

Unsecured Loans

Payment Schedule - at 12.25% APR, 48 monthly payments of $26.46 per $1000.00 borrowed. All Unsecured Loans have a maximum term of 48 months.

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Effective as of 12/1/14

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

12.25%12.75%14.25%15.50%16.5017.50%

 

Business Loans

For commercial real estate loans subtract 0.50% from the rates listed below.

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Effective as of 12/1/14

 

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

Current Rate

7.00%8.00%9.00%10.50%12.75%

 

Rates and terms are subject to change without notice. Rates quoted with 1% origination fee for a 60-day lock. Interest rates assume credit history in good standing. All loan applications subject to credit and property approval. Flood and/or property hazard insurance may be required. Additional fees and closing costs apply. Assumes no subordinate financing. Maximum loan limits and minimum equity/down payment requirements apply. Other restrictions may apply.