CURRENT RATES
(starting as low as)
LOANS APR TERMS
New Car 2.5% up to
60 months
Used Car 2.5% up to
48 months
Personal 3.5% up to
36 months
Raw Land 7.9% up to
60 months
Share Secured 3.0% ____
Home Equity 4.75% up to
60 months
APR = Annual Percentage Rate

Rates & Fees

Subject to change


Loans Loans 2 Savings Certificates and IRAs Fees

Effective as of: April 1, 2017
LOANS Continued
Loan TypeLoan DescriptionApproximate TermsAPR
HOME EQUITY
Home Equityup to 60 months4.75 %
Home Equity61 to 120 months5.25 %
Home EquityLoans over $25,000121-180 months5.75%
PERSONAL LOANS
Personal Loanup to $10,000 up to 36 months3.45%
Personal Loanup to $20,000 up to 48 months5.45%
Personal Loan$10,000 and upup to 48 months8.9%
Personal Loan$10,000 and up49 to 60 months9.9 %
OVERDRAFT/CREDIT LINE
Overdraft/Credit LineUp to $5,000.009.9%
PROFIT SHARE/RETIREMENT
Profit Share/Retirementup to $10,000.00up to 48 months2% above KBR 401k loan %
CREDIT CARD
Credit CardMasterCard Platinum9.9%
SHARE SECURED
Share SecuredUp to 96 months3.0%
CERTIFICATE LOAN
Certificate LoanTerm Share Certificate - Face Value OnlyUp to 24 monthsEarning rate plus 3.0%
 
Additional Information
  • APR = Annual Percentage Rate
  • Rates are subject to change without notice.
  • All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $500.00 deductible on Comprehensive and Collision
  • The Credit Union may select the Appraiser.
  • Line of Credit/Overdraft Protection loans have a minimum monthly payment of $30.00.
  • Share secured and Certificate loans are pledged for full loan amount. Minimum monthly payment of $50.00. KBRHFCU Term Share Certificates only.
  • Profit-Sharing/Retirement Plan loans require that the check be made payable to the retirement plan only, not to exceed the payoff amount. Minimum monthly payment of $30.00.
  • Maximum amount for any type of loan should not be construed as guaranteed. Loans are reviewed on applicant’s ability to pay, intent to pay, assets and credit history.
  • Secured loans(except share secured) financed longer than 48 months shall have a minimum monthly payment of $100.00.
  • Collateral is negotiable and must be evaluated and approved by a credit union loan officer.

  • Enter App Code: KBR Heritage FCU