L O A N   R A T E S

 

 

 

 

Rates effective as of October 10, 2013. Rates will be determined by your credit union and are subject to change without notice 

 

Credit Card Type APR for Purchases APR for Transfers APR for Cash Advances
Visa Platinum Credit Card 8.95% to 17.95% based on your credit history 8.95% to 17.95% based on your credit history 8.95% to 17.95% based on your credit history
Visa Platinum Rewards Credit Card 10.95% to 17.95% based on your credit history 10.95% to 17.95% based on your credit history 10.95% to 17.95% based on your credit history
Visa SignatureŽ Credit Card 9.95% to 16.95% based on your credit history 9.95% to 16.95% based on your credit history 9.95% to 16.95% based on your credit history
Visa Secured Credit Card 14.95% 14.95% 14.95%
Term APR Payment per $1,000 borrowed Assumptions
Auto Loans
Up to 39 months as low as 2.00% $26.50 Assuming platinum credit and a loan amount of $15,000
51 Months as low as 2.25% $20.58
63 Months as low as 2.50% $16.95
75 Months as low as 3.25% $14.75
84 Months as low as 4.50% $13.90
Boat & Recreational Vehicle Loans
Up to 24 months as low as 7.00% $44.77 Assuming platinum credit and a loan amount of $15,000
48 Months as low as 8.00% $24.41
60 Months as low as 8.75% $20.64
72 Months as low as 8.75% $17.90
84 Months as low as 9.50% $16.34
96 Months as low as 9.50% $14.91
108 Months as low as 10.00% $14.08
120 Months as low as 10.00% $13.22
First Mortgage Loans
25/30 Year Fixed as low as 4.375% with an APR of 4.429% $5.03
20 Year Fixed as low as 4.250% with an APR of 4.323% $6.25
15 Year Fixed as low as 3.500%% with an APR of 3.592% $7.23
10 Year Fixed as low as 3.250% with an APR of 3.383% $9.89
Second Mortgage Loans (5 Year)
5 Year - 80% Loan to Value as low as 4.75% with an APR of 5.000% $18.76
5 Year - 90% Loan to Value as low as 8.25% with an APR of 8.500% $20.40
5 Year - 100% Loan to Value as low as 13.75% with an APR of 10.875% $23.14
Second Mortgage Loans (10 Year)
5 Year - 80% Loan to Value as low as 5.25% with an APR of 5.500% $10.73
5 Year - 90% Loan to Value as low as 8.75% with an APR of 9.125% $12.53
5 Year - 100% Loan to Value as low as 14.25% with an APR of 11.375% $15.68
Second Mortgage Loans (15 Year)
5 Year - 80% Loan to Value as low as 6.000% with an APR of 6.500% $8.44
Second Mortgage Loans (20 Year)
5 Year - 80% Loan to Value as low as 7.000% with an APR of 7.000% $7.68
Home Equity Lines of Credit Rates (HELOC)
Up to 80% Loan to Value (LTV) as low as Prime $3.40 Platinum credit and loan amount of $25,000
85% LTV as low as Prime + 1.5% $4.03 1 day month used for payment per thousand calculation
90% LTV as low as Prime + 3.5% $5.73 Prime is currently 3.25%
95% as low as Prime + 6.0% $7.86 Floor of 4.0% on all home equity lines of credit
100% as low as Prime + 9.0% $10.40
Education Loans
Up to 60 Months as low as 6.00% $19.33
120 Months as low as 7.00% $11.61
180 Months as low as 8.00% $9.56
Personal Loans
Up to 12 months as low as 7.50% $86.76 Assuming platinum credit and a loan amount of $15,000
24 Months as low as 8.50% $45.46
36 Months as low as 9.50% $32.03
48 Months as low as 10.50% $25.60
60 Months as low as 11.50% $21.99
72 Months as low as 12.50% $19.81 Minimum loan amount of $25,000 for > 60 months
84 Months as low as 13.50% $18.46
Share/CD Secured Loans Share/CD rate plus 3% $9.56 .05% dividend rate utilized to set loan rate. Loan amount of $15,000
5 Year Term Assuming platinum credit and a loan amount of $25,000
Up to 80% Loan to Value (LTV) as low as 3.50% $18.19
85% LTV as low as 5.00% $18.87
90% LTV as low as 7.00% $19.80
95% as low as 9.50% $21.00
100% as low as 14.00% $23.27
10 Year Term Assuming platinum credit and a loan amount of $25,000
Up to 80% Loan to Value (LTV) as low as 4.00% $10.12
85% LTV as low as 5.5% $10.85
90% LTV as low as 7.5% $11.87
95% as low as 10% $13.22
100% as low as 13% $14.93
15 Year Term Assuming platinum credit and a loan amount of $25,000
Up to 80% Loan to Value (LTV) as low as 6.25% $8.57
85% LTV as low as 7.75% $9.41
90% LTV as low as 9.75% $10.59
95% as low as 12.25% $12.16
100% as low as 15.25% $14.17
20 Year Term Assuming platinum credit and a loan amount of $25,000
Up to 80% Loan to Value (LTV) as low as 7.25% $7.90
85% LTV as low as 8.75% $8.84
90% LTV as low as 10.75% $10.15
95% as low as 13.25% $11.89
100% as low as 16.25% $14.10
   
 

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To report a lost or stolen VISA Check Card or ATM Card during office hours, please call the credit union at 860-347-9700.
After hours call 1-800-554-8969

 

Middlesex Healthcare Federal Credit Union
41 Crescent Street, Middletown, CT 06457
Phone: 860-347-9700 or 860-344-6000, ext. 6666   Fax: 860-347-0628
Hours: 9:00 AM to 4:00 PM  Mon, Tue, Thurs, Friday     10:00 AM to 4:00 PM Wednesday

 

Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government.