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Loan Rates - NavyArmy Community Credit Union in Corpus Christi and the Rio Grande Valley, Texas

Auto Loan Rates

Auto Loan As of 12/1/2016

Term APR*
0 - 75 Months 3.10† - 17.50%
76 - 144 Months 9.40 - 18.00%

 

Personal Loan Rates

Signature / Line of Credit Rates As of 12/1/2016

Term APR*
0 - 48 Months APR 9.50 - 17.75%

 

Deposit Secured

Deposit Secured As of 12/1/2016

Term APR*
0 - 36 Months 4.50
37 - 48 Months 5.50
CD Rate + 2%

 

Real Estate Loan Rates

Real Estate As of 12/1/2016

Account Type Term APR*
Construction / Interim 12 Month 5.25% - 5.50% (6.67 – 6.92%)
Homestead - Purchase / Refinance 15 Year 3.25 – 4.50% (3.42 – 4.68%)
Homestead - Purchase / Refinance 30 Year 4.25 – 5.25% (4.35 – 5.36%)
First Lien Texas Home Equity 10 Year 3.75 – 4.25% (4.02 – 4.51%)
First Lien Texas Home Equity 15 Year 4.00– 4.50% (4.18– 4.68%)
First Lien Texas Home Equity 30 Year 4.75 – 5.25% (4.86– 5.36%)
Second Lien Texas Home Equity 10 Year 4.75 – 5.25% (5.03 – 5.51%)
Second Lien Texas Home Equity 15 Year 4.75 – 5.00% (4.94 – 5.20%)
Lot / Land 10 Year 5.00– 5.50% (5.25 – 5.76%)

 

ABOUT REAL ESTATE LOANS

  • Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a Real Estate Application. Please contact the Real Estate Center for more pricing details. Other restrictions may apply.
  • Origination Fee = 1.0% of loan amount on Non Jumbo Loans.
  • Jumbo Loan (Loan Amounts > $417,000), add 1.0% to the rate.
  • NavyArmy  will NOT subordinate our lien. 1st Lien must be with NavyArmy in order to attain 2nd Lien Home Equity or Home Improvement loan.
  • Member Business Loans (Non-Homestead /Purchase/Refinance/Equity) – Please contact our Member Business Loan Department for more information. 361-986-4500, ext.1014

 

* APR = Annual Percentage Rate
** APY = Annual Percentage Yield
† No Discounts Apply / 75 Month Maximum Term

The APY assumes that funds remain on deposit at least one full year. A withdrawal will reduce earnings. We use the Average Daily Balance method to calculate dividends on
your account.

  1. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Note: not applicable for Certificate of Deposit (Term Share) Accounts.
  2. Early Withdrawal Penalty for Certificate of Deposit Accounts: We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if
    this is a renewable account.
  3. Rate information: The Dividend Rate and APY on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Withdrawal of dividends or early withdrawal of principal will reduce the APY. The Dividend Rate and APY may change at any time.
  4. Fixed Annual Percentage Rate (APR) listed above is the Credit Union’s standard rate. Rate may vary depending on each borrower’s credit history and underwriting factors.