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Loan Options


View today’s mortgage rates.

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Second Mortgage

Rates effective October 2, 2017
  Loan Type  Term  APR  Monthly Payment Per $1,000  Rate As Low As
Second MortgageUp to 5 years3.25%*$18.083.25%Calculator  
 Up to 10 years4.25%$10.244.25%   
 Up to15 years6.00%$8.446.00%   

The Annual Percentage Rate (APR) will be determined by your credit, Loan-to-Value and term. Some restrictions may apply. Consult your tax advisor to determine whether the interest is tax deductible. Rate subject to change without notice.

*In our monthly payment example, with a loan of $100,000, for 5 years, multiply 18.10 x 100 = $1,810 per month; your loan will have a total cost of $108,480 ($1,808 x 60).

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Home Equity Line of Credit (HELOC)

Rates effective October 2, 2017
We have an introductory rate special of 1.99% APR for the first 12 months.
  Loan to Value Ratio  APR  Rate As Low As
< =75%3.75%*Prime - .50%   
75.01% - 80%4.25%*Prime + 0.00%   
80.01% - 85.00%4.75%*Prime + .50%   
85.01% - 90.00%5.25%*Prime + 1.00%   
* All rates are subject to change without prior notice. Rates and terms are based upon evaluation of applicant(s) credit. Your actual rate and margin may vary. The Annual Percentage Rate (APR) for these variable rate products is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 12.00% or the maximum permitted by law, whichever is less. The rate will never go below 3.50% APR (Floor) at any time during the term of the plan, except during a discount period. The interest rate can change quarterly, up or down, by a maximum of 1.00%. Homeowners insurance is required. Consult your tax advisor to determine whether the interest is tax deductible. Some restrictions may also apply. 

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© 2014 Educational Systems Federal Credit Union. All rights reserved.
Educational Systems Federal Credit Union Routing #255077008

PO Box 179, Greenbelt, MD 20768-0179  ·  301.779.8500  ·  800.356.6660
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