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Rates

Rates Effective 

September 29, 2021

ANNUAL PERCENTAGE RATE (APR)***MONTHLY PAYMENT PER $1000 (BASED ON LONGEST TERM & DIRECT PAY APR)APR WITH DIRECT PAY*TERM
20 Year Fixed Rate^13.125% **$5.613.125% **240 Months
Credit Card Consolidation (Maximum $10,000)As Low As
5.50% **		$23.26As Low As
5.25% **		Up to 48 months
Personal Unsecured
(Maximum $20,000)		As Low As
8.50% **		$24.65As Low As
8.25% **		Up to 48 months
Fully Secured
(Maximum $40,000)		3% over collateral pledgedUp to 60 months
New Auto (2020-2021)
As Low As
2.99% **		$29.08As 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% ** 		$29.37As 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% **		$10.55As Low As
7.25% ** 		Up to 144 months
Boat
New/Used		As Low As
7.50% **		$10.55As 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 ProtectionAs Low As
8.25% **		N/AN/AN/A
Bonus Rewards Credit CardTo Apply: visit www.FRMCU.com or stop in any of our conveniently located branch offices located in Fall River and Assonet.Revolving
Heat Loan ~0.00%$11.90N/AUp to 84 months
EQUITY PROGRAMS 1,2ANNUAL 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 $200,000
FIXED RATE HOME EQUITY LOANAs Low as
2.15% **		$17.49As Low as
1.90% **		5 Years
FIXED RATE HOME EQUITY LOANAs Low as
3.15% **		$9.61As Low as
2.90% **		10 Years
FIXED RATE HOME EQUITY LOANAs Low as
4.15% **		$7.35As Low as
3.90% **		15 Years
FIXED RATE LINE OF CREDITAs Low as
4.90% **		$14.09N/A10 Years
(3 year draw period / 7 year repayment)
 
Variable Equity Line of CreditPrime 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 Condos with Special Rate. 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.
** Annual Percentage Rates are determined by individual credit worthiness and subject to credit approval. Additional rates and terms may be available.
*** Some restrictions apply.
~ Restrictions apply. This offer is subject to program eligibility requirements. Visit www.masssave.com/en/saving/residential-rebates/heat-loan-program for details. Minimum loan amount is $2,000.00. Maximum loan amount is $25,000.00. Monthly payment is based on a $25,000.00 loan for 84 months.
Annual Percentage Rate(s) subject to change without notice.
1. Appraisal may be required. Additional fee if title is held in any type of Trust or Life Estate.
2. Equity Program Rates and APR are for owner-occupied 1-4 Family dwelling. Other rates and terms may be available for 1-4 family non-owner-occupied properties.
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