These are the Loan Rates as of: April 26, 2017

New Automobile Loans

 

 

 

 

 

 

 

 

LTV MAX:

 

100%

100%

90%

80%

70%

60%

Rates are subject to change without notice

FICO

Minimum

Platinum

A

B

C

D

E

SCORE

Amount

720+

719-680

679-660

659-640

639-620

619 AND BELOW

24

6,000

2.240%

3.740%

5.240%

6.740%

8.240%

9.740%

36

6,000

2.240%

3.740%

5.240%

6.740%

8.240%

9.740%

48

6,000

2.500%

4.000%

5.500%

7.000%

8.500%

10.000%

60

10,000

2.500%

4.000%

5.500%

7.000%

8.500%

10.000%

72

15,000

4.240%

5.740%

7.240%

NA

NA

NA

84

20,000

5.740%

7.240%

NA

NA

NA

NA

Maximum Loan Amount = $80,000.                                   

 

 

Used Automobile Loans

 

 

 

 

 

 

 

 

LTV MAX:

 

100%

100%

90%

80%

70%

60%

Rates are subject to change without notice

FICO

Minimum

Platinum

A

B

C

D

E

SCORE

Amount

720+

719-680

679-660

659-640

639-620

619 AND BELOW

24

6,000

2.240%

3.740%

5.240%

6.740%

8.240%

9.740%

36

6,000

2.240%

3.740%

5.240%

6.740%

8.240%

9.740%

48

6,000

2.500%

4.000%

5.500%

7.000%

8.500%

10.000%

60

10,000

2.500%

4.000%

5.500%

7.000%

8.500%

10.000%

Maximum Loan Amount = $60,000.                                   Maximum Mileage: 80,000 miles                                      

 

Current model year auto with less than 15,000 miles will be considered new and based on MSRP for financing.
All Self-employed borrowers require 2 year tax returns as proof of income (substitutions may be made by General Manager only).
POI required for B grade and lower and may be required for higher grade scores.

 

Effective October 1, 2013: VSI Insurance rate = $23.00

 

 

Boat/RV/Motorcycle Loans

Use above categories for New or Used and add 2.00% to pricing for additional risk associated with Recreational Vehicles.

 

 

First Mortgages

We offer competitive rates and terms. Please call for details (888) 791-8614 as rates change daily.

 

 

Fixed Rate Home Equity

 

Loan Term

(up to)

Minimum Loan Amount

Grade

Credit Score

APR*                        

Payment per $1,000.00

 

 

 

 

 

 

 

 

Platinum

700+

 

 

20 years

$25,000

 

 

5.750%

$7.02

15 years

$20,000

 

 

3.990%

$7.39

12 years

$15,000

 

 

3.750%

$10.01

10 years

$15,000

 

 

3.500%

$9.89

7 years

$10,000

 

 

3.375%

$9.83

5 years

$10,000

 

 

3.250%

$9.77

3 years

$10,000

 

 

2.990%

$9.65

2 years

$10,000

 

 

2.500%

$17.75

 

 

 

 

 

 

 

 

A

680 TO 699

 

 

20 years

$25,000

 

 

6.250%

$7.31

15 years

$20,000

 

 

4.490%

$7.64

12 years

$15,000

 

 

4.250%

$10.24

10 years

$15,000

 

 

4.000%

$10.12

7 years

$10,000

 

 

3.875%

$10.07

5 years

$10,000

 

 

3.750%

$10.01

3 years

$10,000

 

 

3.490%

$9.88

2 years

$10,000

 

 

3.000%

$17.97

 

 

 

 

 

 

 

 

B

679 TO 660

 

 

20 years

$25,000

 

 

6.750%

$7.60

15 years

$20,000

 

 

4.990%

$7.90

12 years

$15,000

 

 

4.750%

$10.48

10 years

$15,000

 

 

4.500%

$10.36

7 years

$10,000

 

 

4.375%

$10.30

5 years

$10,000

 

 

4.250%

$10.24

3 years

$10,000

 

 

3.990%

$10.12

2 years

$10,000

 

 

3.500%

$9.89

 

 

 

 

 

 

 

 

C

659 TO 640

 

 

20 years

$25,000

 

 

7.250%

$7.90

15 years

$20,000

 

 

5.490%

$8.17

12 years

$15,000

 

 

5.250%

$10.73

10 years

$15,000

 

 

5.000%

$10.61

7 years

$10,000

 

 

4.875%

$10.55

5 years

$10,000

 

 

4.750%

$10.48

3 years

$10,000

 

 

4.490%

$10.36

2 years

$10,000

 

 

4.000%

$10.12

 

 

 

 

 

 

 

 

D

639 TO 620

 

 

20 years

$25,000

 

 

7.750%

$8.21

15 years

$20,000

 

 

5.990%

$8.43

12 years

$15,000

 

 

5.750%

$10.98

10 years

$15,000

 

 

5.500%

$10.85

7 years

$10,000

 

 

5.375%

$10.79

5 years

$10,000

 

 

5.250%

$10.73

3 years

$10,000

 

 

4.990%

$10.60

2 years

$10,000

 

 

4.500%

$10.36

 

* APR = Annual Percentage Rate

Minimum Loan amounts are required to qualify for the stated term selected.
No Closing Costs
Appraisals: If an appraisal is required, cost is paid by borrower and determined by property type ($250 to $450).
Maximum Loan Amount is $250,000. and Maximum Loan-toValue is 80%; Higher LTV Loans require Insurance Premium.

The rates noted above are for new consumer purpose loans of $10,000. or greater. Rates are subject to change without notice.
Offer is available on primary 1 to 4 family residence or condominiums which are owner-occupied (excludes cooperatives).
SouthCoast Federal Credit Union must be in a valid 1st or 2nd lien position on the collateral. Property insurance is required.
SouthCoast Federal Credit Union will advance closing costs on your behalf, excluding fees for recording additional documents such as discharge fees if applicable.
If you close your account within one (1) year , we will add a recoupment fee of $400.00 which was advanced on your behalf for your closing costs, to your outstanding balance for our reimbursement. Total recoupment charge of $400.00 is subject to change.

 

 

Personal Unsecured Loans

Rates are subject to change without notice

 

 

FICO

Minimum

Platinum

A

B

C

D

E

F

G

SCORE

Amount

740+

739-720

719-700

699-680

679-660

659-640

639-620

619 and Below

12

1,000

4.990%

 5.990%

 6.990%

 7.990%

 8.990%

 9.990%

10.990%

11.990%

24

2,000

7.000%

 8.000%

 9.000%

10.000%

11.000%

12.000%

13.000%

14.000%

36

5,000

9.630%

10.630%

11.630%

12.630%

13.630%

14.630%

15.630%

16.630%

48

5,000

10.630%

11.630%

12.630%

13.630%

14.630%

15.630%

16.630%

17.630%

60

12,500

11.630%

12.630%

13.630%

14.630%

15.630%

16.630%

17.630%

NA

Maximum Loan Amount = $30,000.

 

Seasonal Special -  11 Month Term

Rates are subject to change without notice

 

 

Maximum

Platinum

A

B

C

D

E

F

G

Amount

740+

739-720

719-700

699-680

679-660

659-640

639-620

619 and Below

3,500

3.500%

 4.000%

 4.500%

 5.000%

 5.500%

6.000%

6.500%

7.000%

 

 

Debt Consolidation Program -  48 Month Max Term

Rates are subject to change without notice

 

 

Maximum

Platinum

A

B

C

D

E

F

G

Amount

740+

739-720

719-700

699-680

679-660

659-640

639-620

619 and Below

10,000

4.990%

4.990%

4.990%

4.990%

4.990%

4.990%

4.990%

4.990%

 

 

VISA Credit Card

$20,000 Maximum credit line. No annual fee.

Rates vary depending on type of card.

Credit card balance transfer available - Lower Rates Apply. 

 

 

Unsecured Consolidation Loan

 

Rates are subject to change without notice

 

Maximum

 

Maximum

Minimum

 

 

 

 

 

Amount

Rate

Term

Amount

 

 

 

 

 

10,000

4.990%

 48 Months

 n/a

Available on Balance Transfers from

OTHER DEBTORS ONLY 

 

 

Unsecured Home Improvement Loan

Rates are subject to change without notice

 

Maximum

 

Maximum

Minimum 

DTI

 

Amount

680+

Term

Amount

Maximum

Advances

10,000

5.990%

60 months

1,000

40%

Completed to Contractor and Member