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Equity Loans & 2nd Mortgage Rates

EFFECTIVE FEBRUARY 1, 2009

 

 

 LESS THAN $25,000

 

$25,000 AND UP**** 

Home Equity Loan 75% LTV*

 

 8.50%

 

 7.50%

     

 

 

 RATE

 

 MARGIN

Home Equity Line of Credit 75% LTV

 

 4.50%***

 

 **Prime + (0.25%)

*Maximum advance for Home Equity Loans and Home Equity Lines of Credit is 75% LTV with a FICO score ³ 700 and 60% LTV with a FICO score £ 699.

**Index as of 1/1/09 - 3.25% (WSJ Prime Rate)

***Interest rate currently in effect (minimum rate) for Home Equity Line of Credit:  4.50%

****For fixed rate Home Equity loans in first position, the following applies:  (Minimum loan amount of $25,000.  Escrow required.)

 RateOrigination Fee  APR
 7.50% 2% 7.769%
 7.75% 1% 7.885%
 8.00% 0% 

 
 

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Are You Facing Foreclosure?

Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

Click here to learn what Kern FCU can do to help! 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

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