Loan Rates and Products

Effective April 1, 2021 (subject to change without notice)


Auto – Model Year 2020 and newer

100% FINANCING AVAILABLE
Purchase or refinance from other financial Institutions only for the rates listed below


MONTHS RATE
12-24
36
48
60
72
as low as 2.49%* APR**
as low as 2.49%* APR**
as low as 2.49%* APR**
as low as 2.49%* APR**
as low as 3.49%* APR**

Minimum loan amount $25,000 for 72 month term


Auto – Model Year 2016-2019

MONTHS RATE
12-24
36
48
60
as low as 2.49%* APR**
as low as 2.49%* APR**
as low as 2.49%* APR**
as low as 2.49%* APR**

Minimum loan amount $15,000 for 60 month term


Auto –Model Year 2015 and Older

Up to 36 months maximum 7.99%* APR**


HOME EQUITY LINE OF CREDIT-VARIABLE RATE MAXIMUM LOAN TO VALUE 80%

Connecticut, owner occupied properties only. Loan amounts $10,000-$100,000. Rate will be variable and will be determined by credit score.

15 or 20 year terms available. Rates as low as 3.55%* APR**


HOME EQUITY/SECOND MORTGAGE-FIXED RATE- MAXIMUM LOAN TO VALUE 80%

Connecticut, owner occupied properties only. Loan amounts $10,000-$100,000. Rate will be fixed for term of loan.


MONTHS RATE
60
120
180
as low as 3.75%* APR**
as low as 4.25%* APR**
as low as 5.25%* APR**

***NO APPLICATION FEES OR CLOSING COSTS***


SHARES PLEDGED LOANS—MAXIMUM $100,000

Shares will be frozen up to the balance of the loan until paid in full. Minimum monthly payment of $70.00.


MONTHS RATE
12 to 60 as low as 2.05%* APR**

***********PERSONAL LOAN SEPCIALS****************

Borrow up to $5,000 for 12 months as low as 5.99%* APR**

Borrow up to $10,000 for 24 months as low as 8.99%* APR**

Borrow up to $10,000 for 36 months as low as 9.99%* APR**

CONSOLIDATION LOAN $10,000 MAXIMUM

Checks will be made payable to creditors only

MONTHS RATE
12-36
48-60
as low as 10.10%* APR**
as low as 10.60%* APR**

PERSONAL LOANS-UNSECURED

maximum loan amount $7500

MONTHS RATE
12-24
36
48
as low as 10.59%* APR**
as low as 11.59%*
as low as 12.59%* APR**

PERSONAL-COSIGNED - OTHER THAN SPOUSE MAXIMUM $10,000

Rate will be as listed above for Personal Loans for the Respective terms.


CHECKING LINE OF CREDIT

OVERDRAFT PROTECTION—VARIABLE RATE

Maximum credit line of $5,000. Rate will be variable, set quarterly and be determined by credit score.


Term Varies - Rate as low as 9.75%* APR**


* = Actual Rate will be determined by Credit Score. APR** = Annual Percentage Rate. The above rates include a 0.50% discount with a SVMCFCU Checking Account in good standing (excluding Real Estate Loans and Loan Specials)




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Your savings federally insured to $250,000 by by NCUA, a U.S. Government Agency.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.