Rates Effective: Tuesday, November 25, 2008. These rates are subject to change without notice.
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| Mortgage Rates |
| For current Mortgage Rates, click here. |
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| Home Equity Loan Rates |
| Home Equity Line of Credit |
Home Improvement |
| Description |
Years |
Loan to Value |
APR* |
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Home Equity
Line of Credit
(Variable)
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15 |
0% - 80.00% |
4.00%** |
| 15 |
80.01% - 90% |
4.50%** |
| 15 |
90.01% - 95% |
5.00%** |
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Special Introductory Rate:
3.99% for the first year!***
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| Description |
Months |
APR* |
| Fixed Rate Home Equity |
0 - 60 |
5.74% to 6.99%** |
| 61 - 84 |
5.99% to 7.24%** |
| 85 - 120 |
6.24% to 7.49%** |
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*APR = Annual Percentage Rate.
**BWCU home equity loans may be subject to actual closing costs, including an origination fee.
***APR after first year will adjust monthly to the Prime Rate as published in the Wall Street Journal (if 80% or less loan to value), Prime plus .50% (if 81% to 90% loan to value), or Prime plus 1% (if above 90% loan to value). For qualified borrowers.
Maximum APR that can apply is 21.00%. Minimum line of credit amount is $10,000. Minimum loan amount is $10,000 for the first advance and no minimum thereafter. Loan fees and closing costs may vary. Flood and /or property hazard insurance may be required. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Credit is subject to approval.
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| Land Rates |
| Unimproved Land |
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*Interest rates are subject to change without notice.
Change in interest rate will also affect APR (Annual
Percentage Rate).
**APR = Annual Percentage Rate. APR will vary based on final loan amount and finance charges. APRs above based on a $100,000 loan, assuming a 20% down payment
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BWCU offers land, lots and acreage loans with flexible terms and low fixed rates.
- Loan to value up to 80% of the unimproved
property value.
- Loan amount is not limited by dollar amount, but
loan in limited to 20 acres or less.
- Terms available up to 10 years.
- Fixed rate loan. Please see current rates.
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