Auto Loans: Other rates and terms available. Please contact us for rates on vehicles not outlined above. Rates are based on your credit score and are subject to change. Rates will differ if you are a first-time buyer or require a co-signor. Membership eligibility requirements apply. Payment Example: A 72- month new or used vehicle loan of $30,000 with an interest rate of 5.49% and an Annual Percentage Rate of $5.634 would have monthly payments of $489.98.
Home Equity Loan: Offer may be canceled without notice. Membership and $5 deposit required. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Payment example: A 20-year fixed rate loan for $100,000 at 80% CLTV at 7.375% and an Annual Percentage Rate (APR) of 7.394% would have a monthly payment of $798.11, which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details.
“No Closing Costs” applies to eligible loan up to and including $500,000 on primary residence on platted lot less than ½ acre with a combined loan to value (CLTV) of 75% or less. Does not apply to purchase transactions. Appraisal, survey, title policy and other closing costs at borrower’s expense may be required on other loans. Costs subject to recapture within 36 months.
Home Equity Line of Credit: The variable Annual Percentage Rate (APR) may be 7.50% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (7.50% as of 1/1/2023) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100. Bridge loans have origination fee of $500 or 0.5% of loan amount, whichever is greater.
Personal loan payment example: a 72-month fixed-rate loan for $20,000 at 9.99% and an Annual Percentage Rate (APR) of 10.217% would have a monthly payment of $370.38, which includes principal and interest.