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RATES & FEES

Loan Rates Deposit RatesSchedule of Fees

Effective as of: July 18, 2018
(Model years change close of business December 31)
Your exact ANNUAL PERCENTAGE RATE (A.P.R.) for a loan will be determined at the time you apply for a particular loan, based upon the term of the loan and your creditworthiness at that time and will be disclosed on your Loanliner® Loan And Security Agreements And Disclosure Statement.
 
TermsLoan TypeA.P.R.
 
Automotive Loans
36 MonthsNew Auto, Used Auto, 18, 17, 16, 15, and 14 Models2.25%Loan Calculator
48 MonthsNew Auto, Used Auto, 18, 17, 16, 15, and 14 Models2.50%Loan Calculator
63 MonthsNew Auto, Used Auto, 18, 17, 16, 15, and 14 Models2.75%Loan Calculator
75 MonthsNew Auto, Used Auto, 18, 17, 16, 15, and 14 Models MSRP or Retail Value $15,000 or >3.00%Loan Calculator
84 MonthsNew Auto, Used Auto, 18, 17, 16, 15, and 14 Models MSRP or Retail Value $20,000 or >4.00%Loan Calculator
75 Months2013 and Older Models Retail Value $15,000 or more3.49%Loan Calculator
63 Months2013 and Older Models Retail Value $10,000 or more3.49%Loan Calculator
48 Months2013 and Older Models3.25%Loan Calculator
36 Months2013 and Older Models3.25%Loan Calculator
 
Boat Loans
120 MonthsNew Boats, over $15,000.004.75%Loan Calculator
63 MonthsNew Boats, under $15,000.003.50%Loan Calculator
120 MonthsUsed Boats, over $15,000.004.90%Loan Calculator
63 MonthsUsed Boats, under $15,000.003.75%Loan Calculator
180 MonthsNew and Used, over $50,000.009.00%Loan Calculator
 
Motorcycle Loans
84 MonthsNew and Used Motorcycles, $18,000 or > to Finance4.50%Loan Calculator
75 MonthsNew and Used Motorcycles, $12,000 or > to Finance4.00%Loan Calculator
63 MonthsNew and Used Motorcycles, $8,000.00 or > to Finance3.75%Loan Calculator
48 MonthsNew and Used Motorcycles, under $8,000.00 to Finance3.75%Loan Calculator
 
Miscellaneous Loans, Fixed Rate Mortgages and Credit Cards
120 MonthsMobile Homes, New7.90%Loan Calculator
84 MonthsMobile Homes, Used (17, 16, 15, and 14)8.50%Loan Calculator
60 MonthsMobile Homes, Used, 4 years and older (13)8.90%Loan Calculator
60 MonthsRV's under $15,000.003.90%Loan Calculator
143 MonthsRVs over $15,000.004.90%Loan Calculator
180 MonthRV's over $50,000.005.25%Loan Calculator
60 MonthsFarm and Garden Tractors New, Used and Refinance4.90%Loan Calculator
48 MonthsFarm and Garden Tractors New, Used and Refinance4.50%Loan Calculator
24 MonthsFarm and Garden Tractors New, Used and Refinance3.90%Loan Calculator
48 MonthsLoanliner, Line of Credit 9.90%Loan Calculator
36 MonthsLoanliner, Line of Credit9.90%Loan Calculator
36 MonthsLoanliner, Line of Credit 9.90%Loan Calculator
12 MonthsHoliday/Vacation Loan, not fully share secured. Minimum $1,000,5.90%Loan Calculator
36 MonthsPersonal Computer - Up to 100% of Sale Price3.90%Loan Calculator
60 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st and 2nd Mortgage3.24%Loan Calculator
84 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st and 2nd Mortgage4.00%Loan Calculator
143 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st Mortgage Only4.00%Loan Calculator
180 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st Mortgage Only4.24%Loan Calculator
360 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st Mortgage Only5.15%Loan Calculator
108 MonthsFixed Rate Mortgage - Primary and 2nd/Vacation Homes - 1st and 2nd Mortgage5.24%Loan Calculator
Credit CardVisa and MasterCard Maximum $10,000.009.90%Loan Calculator
 
Construction Loans
HOME CONSTRUCTION LOAN; PRIMARY RESIDENCE7.20%Loan Calculator
 
Rates are subject to change at the discretion of the Board of Directors of Fort McClellan Credit Union.
A.P.R.=Annual Percentage Rate
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