Rates
Rates are current as of
July 26, 2021
| LOAN ACCOUNT TYPE | ANNUAL PERCENTAGE RATE (APR)*** | MONTHLY PAYMENT PER $1000 (BASED ON LONGEST TERM & DIRECT PAY APR) | APR WITH DIRECT PAY* | TERM | ||||
|---|---|---|---|---|---|---|---|---|
| 15 Year Fixed Rate*1 | 2.49% | $6.67 | 2.49% | 180 | ||||
| Credit Card Consolidation (Maximum $10,000) | As Low As 5.50% ** | $23.26 | As Low As 5.25% ** | Up to 48 months | ||||
| Personal Unsecured (Maximum $20,000) | As Low As 8.50% ** | $24.65 | As Low As 8.25% ** | Up to 48 months | ||||
| Fully Secured (Maximum $40,000) | 3% over collateral pledged | Up to 60 months | ||||||
| New Auto (2020-2021) | As Low As 2.99% ** | $29.08 | As Low As 2.74% ** | 36 MONTHSContact us at (508) 678-9028 for additional rates and terms up to 72 months | ||||
| Used Auto (2011-2019) | As Low As 3.65% ** | $29.37 | As Low As 3.40%** | 36 MONTHSContact us at (508) 678-9028 for additional rates and terms 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 | ||||
| Boat New/Used | As Low As 7.50% ** | $10.55 | As Low As 7.25% ** | Up to 240 months | ||||
| Motorcycle New (2020-2021) Used (2011-2019) | 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 | ||||
| Overdraft Protection | As Low As 8.25% ** | N/A | N/A | N/A | ||||
| Bonus Rewards Credit Card | To Apply: visit www.FRMCU.com or stop in any of our conveniently located branch offices located in Fall River and Assonet. | Revolving | ||||||
| HEAT LOAN | ANNUAL PERCENTAGE RATE (APR)*** | MONTHLY PAYMENT PER $1000 (BASED ON LONGEST TERM & DIRECT PAY APR) | LIMITED LOAN AMOUNT | TERM | ||||
| Heat Loan | 0.00% | $7.79 | Minimum loan amount is $2,000.00 to Maximum loan amount is $25,000.00 | Up to 84 months | ||||
| EQUITY PROGRAMS 1,2 | 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 | ||||||||
| FIXED RATE HOME EQUITY LOAN | As Low as 2.15% ** | $17.49 | As Low as 1.90% ** | 5 Years | ||||
| FIXED RATE HOME EQUITY LOAN | As Low as 3.15% ** | $9.61 | As Low as 2.90% ** | 10 Years | ||||
| FIXED RATE HOME EQUITY LOAN | As Low as 4.15% ** | $7.35 | As Low as 3.90% ** | 15 Years | ||||
| FIXED RATE LINE OF CREDIT | As Low as 4.90% ** | $14.09 | N/A | 10 Years (3 year draw period / 7 year repayment) | ||||
| Variable Equity Line of Credit | Prime Rate Prime Rate is currently 3.25%. The interest rate is based on the Prime Rate as published in the Wall Street Journal. Maximum rate of 18%. | 15 Years (5 year draw period 10 year repayment) | ||||||
| MEMBER BUSINESS LOANS*** | ||||||||
| If you’re looking to improve, refinance or purchase a 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 (508) 678-9028 for additional information. | ||||||||
| * Single family owner-occupied. Maximum loan to value (LTV) 65%. Minimum credit score 740. Maximum loan amount $200,000. No Condo's with Special Rates. Cannot be combined with any other offers. | ||||||||
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. | ||||||||
CD Rates
Here's a sure way to have money when it is needed.
Your money will grow at a healthy rate with our generous dividend rates.
MORTGAGE Rates
We have a mortgage plan to meet your needs.
Let us help you make the home of your dreams a reality.