Loans


New Auto Loans

For purchasing or refinancing at other financial institutions
Model Year 2016 and Newer
100% Financing available, terms from 12-72 months

Used Auto Loans

For purchasing or refinancing at other financial institutions
Model Years 2012 – 2015
100% Financing available, terms from 12-60 months

Older Used Auto Loans

For purchasing only
Model Year 2011 and Older
100% Financing available, maximum term 36 months

Home Equity Line of Credit

For Connecticut, owner-occupied properties only.
No closing costs or application fees. Lines from $10,000 - $100,000. Rate is variable, set on the 1st day of each new quarter. Rate will be the 13 Week T-Bill on the 1st day of the preceding month of each new quarter plus a margin of 3.50% rounded to the nearest .05%. Lifetime cap of 6%. 15 and 20 year terms available, both with a 5 year draw period.

Fixed Rate Home Equity Loan

For Connecticut, owner-occupied properties only.
No closing costs or application fees. Loan amounts from $10,000 - $100,000. Rates are fixed for the term of the loan. 5, 10 and 15 year terms available.

Personal Loans

Unsecured
Maximum loan amount $7,500. 12 – 48 month terms available.

Co-Signed Loans

Other than spouse
Maximum loan amount $7,500. 12-48 month terms available

Consolidation Loans

Checks made payable to creditors only
Maximum loan amount $10,000. 12-60 month terms available

Share Draft/Checking Line of Credit

Overdraft Protection – Variable Rate
Maximum Credit line of $5,000. Rate will be set the 1st day of each new quarter. Rate will be the Prime Rate on the 1st day of each month preceding each new quarter plus a margin of 6.50%. Minimum monthly payment will be 3% of the balance at months end.

Shares/Savings Pledged Loan

Maximum loan amount of $100,000.  Rate will be 2% above the dividend rate on shares in effect at the time of the loan.  Minimum monthly payment of $70.  Shares will be frozen up to the balance of the loan until paid in full.




specials

St. Vincent's FCU Home Equity 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.