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1.877.67FRMCU
Rates

Loan Rate Sheet

Loan Account Type

Annual Percentage Rate (APR)***

Monthly Payment per $1000 (Based on longest term & Direct Pay APR)

APR with Direct Pay*

Term

Unsecured Credit Card Consolidation Loan (Maximum $10,000)

As Low As
5.50% **

$23.26

As Low As
5.25% **

Up to 48 months

Unsecured (Maximum $15,000)

As Low As
8.00% **

$24.41

As Low As
7.75% **

Up to 48 months

Bonus Rewards Credit Card

To Apply: visit www.FRMCU.com or stop in any of our conveniently located branch offices located in Fall River, Assonet and Swansea.

Revolving

Fully Secured
(Maximum $40,000)

3% over collateral pledged

Auto Loan Special

New (2017-2016) Used 2016 and older***

As Low As

1.94 % **

$42.54

As Low As

1.69 % **

Up to 24 Months

New Auto
(2017 - 2016)

As Low As
3.24% **

$15.30

As Low As
2.99% **

Up to 72 months

Used Auto
(2016 and older)****

As Low As
3.24% **

$18.08

As Low As
2.99% **

Up to 60 months

Recreational Vehicles
New/Used
(Maximum $50,000)

As Low As
7.50% **

$10.55

As Low As
7.25% **

Up to 144 months

Boats
New/Used

As Low As
7.50% **
  

$10.55
  

As Low As
7.25% **
  

Up to 144 months

Motorcycle
New (2017-2016)
Used (2016-2005)
  

As Low As
5.65% **
5.65% **

$19.17
$23.32
  

As Low As
5.40% **
5.40% **
  

Up to 60 months
Up to 48 months

Heat Loan

Annual Percentage Rate (APR)***

Monthly Payment per $1000 (Based on longest term & Direct Pay APR)

Limited Loan Amount

Term

Overdraft Protection
  

As Low As
8.25% **
  

N/A
  

N/A
  

N/A
  

Heat Loan

0.00%

$14.49

Minimum loan amount is $2,000.00 to Maximum loan amount is $25,000.00

Up to 84 months

Equity Programs 1,3

Annual Percentage Rate (APR)***

Monthly Payment per $1000 (Based on longest term & Direct Pay APR)

APR with Direct Pay*

Term

Loan to Value up to 80% of Appraised Value.*** Minimum $10,000 - Maximum $175,000

FREEDOM FIRST HOME EQUITY LOAN 2

As Low as

3.24% **

$17.96

As Low As

2.99% **

5 Years

FREEDOM FIRST HOME EQUITY LOAN 2

As Low As
3.99 % **

$10.00

As Low As

3.74% **

10 Years

FREEDOM FIRST HOME EQUITY LOAN 2

As Low As
3.99 % **

$7.27

As Low As

3.74% **

15 Years

FREEDOM FIRST FIXED RATE LINE OF CREDIT 2

As Low As
4.50% **

$13.90

N/A

10 Years
(3 year draw period / 7 year repayment)

Fixed Rate Home Equity Loan

As low as

4.24% **

$18.40

As low as

3.99% **

5 Years

Fixed Rate Home Equity Loan

As low as

4.99% **

$10.48

As low as

4.74% **

10 Years

Fixed Rate Home Equity Loan

As low as

4.99 % **

$7.77

As low as

4.74% **

15 Years

Special 5 Year Fixed Home Equity

As Low As

2.24% **

$17.52

As Low As

1.99% **

5 Years

FIXED RATE LINE OF CREDIT

As Low As
5.50% **

$14.37

As Low As
5.25%**

10 Years
(3 year draw period / 7 year repayment)

   

Variable Equity Line of Credit

Prime Rate
Prime Rate is currently 4.50%. Based on Wall Street Journal Prime Rate as published the last day of the month. Prime Rate at 4.50% with a maximum of 18%.

15 Years (5 year draw period 10 year repayment)

MEMBER BUSINESS LOANS***

Financing available for Investment Property. Please contact the Credit Union for details.

  

If you’re looking to improve or refinance/purchase multifamily property we have the solutions you can use. We offer a variety of competitively priced Member Business Loan Products for your Multifamily needs. Rates & Terms are subject to credit quality review. Contact us at Fall River Municipal Credit Union for additional information.

   

 

24-Hour Lending Hotline: 866-281-1964
NMLS ID# 410816

* Direct Pay rate reflects discount for automatic repayment made from your FRMCU Checking Account, and may change if direct pay is canceled.
** Annual Percentage Rates are determined by individual credit worthiness. Rates quoted for members with the best credit score. Additional rates and terms may be available.
*** Some restrictions apply.
****1997 and older add 1.00% to current rate.
Annual Percentage Rate(s) subject to change without notice.
1 Appraisal fee required. Appraisal costs range from $189.00 to $525.00
2 FRMCU must be in 1st lien position. Property must be an owner-occupied 1-4 Family dwelling. Annual Percentage Rate will be determined by individual credit worthiness.  3. Additional fee when title is held in Any type of Trust ownership of Life Estate. 

 

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Fall River Municipal Credit Union