Aberdeen Federal Credit Union

Loan Rates

Secured Loans

Payment Schedule - Payment Schedule - at 4.99% APR, 60 monthly payments of $18.87 per $1,000.00 borrowed. All Secured Loans have a maximum term of 84 months

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Effective as of 12/29/22

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

4.99%5.49%7.49%10.49%13.49%15.99%

 

Home Loans

Purchase or Refinance

Click here for Mortgage Application
 

Click here for Co-Borrower Mortgage Application

 

Click here for Mortgage Checklist

Effective as of 1/4/23

SDHDA - First Time Home Buyer

5.375%

Conventional (15 year)

5.875%

Conventional (30 year)

6.375%

Rural Development

6.000%

VA

6.125%

 

HELOC Rates

Variable Rate APR

Effective as of 1/4/23

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

6.50%7.00%8.50%10.50%14.50%18.00%

 

Real Estate Loans

Payment Schedule - at 7.25% APR, 360 monthly payments of $6.83 per $1000.00 borrowed.

Click here for Mortgage Application
 

Click here for Co-Borrower Mortgage Application

 

Effective as of 11/14/22

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

7.25%7.75%9.25%11.75%14.50%16.25%

 

Unsecured Loans

Payment Schedule - at 13.25% APR, 48 monthly payments of $26.95 per $1000.00 borrowed. All Unsecured Loans have a maximum term of 48 months.

Apply for a loan!

 

Effective as of 7/1/22

 

Tier 1A

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

APR

13.25%13.75%15.25%16.50%17.50%17.99%

 

Business Loans

We offer many types of commercial loans, including SBA loans. We have a wide range of terms and products available to suit your business needs. To begin your application apply online below.

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

Apply for a loan!

 

 

Effective as of 1/1/23

 

Tier 1

Tier 2

Tier 3

Tier 4

Tier 5

Current Rate

8.00%9.25%11.00%13.00%15.25%

 

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.