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Loans Loans 2 Savings Certificates and IRAs Fees

Effective as of: July 1, 2018
LOANS Continued
Loan TypeLoan DescriptionApproximate TermsAPR
Home Equityup to 60 months4.75 %
Home Equity61 to 120 months5.25 %
Home EquityLoans over $25,000121-180 months5.75%
Personal LoanAs low as 6.00% APR*
Overdraft/Credit LineUp to $5,000.009.9%
Profit Share/Retirementup to $10,000.00up to 48 months2% above KBR 401k loan %
Credit CardMasterCard Platinum9.9%
Share SecuredUp to 96 months3.0%
Certificate LoanTerm Share Certificate - Face Value OnlyUp to 24 monthsEarning rate plus 3.0%
Additional Information
*APR = Annual Percentage RateRates are subject to change without notice.All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $500.00 deductible on Comprehensive and CollisionThe 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. All loans are subject to credit approval and certain conditions may apply. Other terms and rates available.
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