Prime Rate currently 5.50%.

+ Personal Loan. Estimated monthly payment of $86.88 per $1,000.00 borrowed, for a 12 month term, which includes single life insurance. The rate may vary depending on each borrower’s credit history and underwriting factors. Rates are subject to change without notice. Other rates and terms available.

* New/Used RV Camper & New/Used Boat Loan. Loan payment includes single life insurance. The rate may vary depending on each borrower’s credit history and underwriting factors. Rates are subject to change without notice. Other rates and terms available. Maximum up to $65,000.

** New/Used Auto & New/Used Motorcycle Loan. Payment includes single life insurance and VSI insurance. The rate may vary depending on each borrower’s credit history and underwriting factors. 100% financing not to exceed NADA value or purchase price. Rates are subject to change without notice. Other rates and terms available. Refinancing of existing New Bedford Credit Union loans is excluded. Maximum up to $65,000.

*** Share Secured Loan is secured by Money Market Account or Term Certificate 3.00% higher than rate.

**** Classic Auto Loan. Payment includes single life insurance and VSI insurance. The rate may vary depending on each borrower’s credit history and underwriting factors. 100% financing not to exceed NADA value or purchase price. Rates are subject to change without notice. Other rates and terms available. Refinancing of existing New Bedford Credit Union loans is excluded. Maximum up to $65,000.

1 Fixed Rate First Mortgage. The Annual Percentage Rates listed above are subject to change at any time and are not guaranteed until a mortgage contract is executed. Property must be Owner Occupied one to four Family. Maximum dollar amount up to $700,000.00. Down payment as low as three percent (3%). The estimated monthly payment does not include Private Mortgage Insurance (PMI). Fees may apply. Property Insurance is required in an amount equal to or greater than the amount of the approved loan. The tax service fee is $109.00. The underwriting fee is $400.00. Payments do not include taxes or insurance. Actual payment obligation will be greater.

To obtain the advertised rates above, the credit score has to be above a 680 (681 or above). This rate is based on a single family, owner-occupied.
Multifamily, condos and investment property (non-owner occupied) will receive a .25% increase.

2 Owner occupied Home Equity Line of Credit. The maximum line of credit plus the outstanding first mortgage shall not exceed eighty (80) percent of the appraised value of the real estate or seventy (70) percent of the market value. Maximum dollar amount up to $175,000.00. Property insurance is required in an amount equal to or greater than the amount of the approved line of credit. The Annual Percentage Rate may vary. Annual Percentage Rate is based on the prime rate listed in the Wall Street Journal minus 0.25%. Rate will not exceed 18% APR. Fees may range from $0 to $800.00. The Annual Percentage Rate is current as of today’s date and is not guaranteed until a loan contract is executed.

5 Owner Occupied Fixed Rate Home Equity Loan. Fixed Rate Home Equity Loans may be approved for up to eighty (80) percent of the appraised value of the real estate. Minimum dollar amount is $7,500.00. Maximum dollar amount up to $175,000.00. Property Insurance is required in an amount equal to or greater than the amount of the approved loan. Fees may range from $0 to $800.00. The Annual Percentage Rate is current as of today’s date and is not guaranteed until a loan contract is executed.