Rates

Rates are effective as of 4/8/2024. Rates are subject to change

Consumer Vehicle Loans

*APR=Annual Percentage Rate. All loans subject to membership & credit approval. Normal underwriting guidelines apply. New loans to AllCom CU. Maximum term 36 months. Estimated monthly payment of $30.20 per $1,000 borrowed for 36 months. 5.49% best rate available & includes 0.25% rate reduction for qualified borrowers w/ automatic payment from an AllCom account with monthly direct deposits of $500 or more. Rate will vary by the term of loan, model year of collateral, & credit score. AllCom will finance up to 100% of the purchase price (for purchases) or NADA retail value (for refinances). Actual amount down will depend on model year, mileage, collateral and credit worthiness. 90 Days No Payments for qualified borrowers. If credit life or disability insurance elected, premiums will be added to loan balance. Principal and interest payments deferred 90 days, with equal payments for the term of the loan thereafter. Interest will accrue during the first 90 days. AllCom CU reserves the right to rescind this offer at any time. Other rates and terms available. Call 888.754.9980 for full details.

Motorcycle Loans

* Annual Percentage Rate. Some restrictions apply. Rates quoted are lowest available based on creditworthiness. Not all borrowers will qualify for terms greater than 48 months. Other rates and terms available.

Recreational Vehicle & Boat Loans

* Annual Percentage Rate. Some restrictions apply. Rates quoted are lowest available based on creditworthiness. Not all borrowers will qualify for terms greater than 120 months. Other rates and terms available.

Personal Loans

* Annual Percentage Rate. Some restrictions apply. Rates quoted are lowest available based on creditworthiness. Not all borrowers will qualify for terms up to 60 months. Rates subject to change without notice. Offers may be withdrawn at any time. Subject to normal credit requirements. Other rates and terms available.

Rate for Shared Secure Loans is 3.00% above the specific savings or CD rate that is being used as collateral at the time of the loan.

Mortgage Programs

*Annual Percentage Rate (APR). Subject to change at any time, without notice. APR based on a $125,000 loan with 15 days of prepaid interest, $750 processing fee, $89 tax service fee, $20 tax transcript fee, and $11 flood determination fee to purchase a single family primary residence at an 80% Loan-to-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Conforming Fixed Rate Loan Limits: 1 family $647,200; 2 family $828,700; 3 family $1,001,650; 4 family $1,244.850. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.

Home Equity Loan – Fixed Rate

*APR=Annual Percentage Rate. Maximum combined loan to value is 80% for owner-occupied primary residence and owner-occupied second homes. Minimum line amount is $20,000. Minimum floor rate of 3.25%. Subject to normal underwriting requirements. Property and flood insurance may be required. All AllCom loan programs, rates, terms and conditions are subject to change at any time without notice. Offers may be withdrawn at any time. Membership and application are subject to approval. Other terms and conditions may apply.

Home Equity Line of Credit – Variable Rate

(1) Member is responsible for closing costs, which may vary, if loan is paid off or refinanced within first 24 months. (2) Draw period for the first 10 years requires monthly payments of interest-only or $100, whichever is greater, followed by 10 year repayment period. (3) Prime is defined as the Prime Rate as published in the Wall Street Journal as of the last business day of the preceding month. As of 7/27/2023 the Prime Rate is 8.50% with a minimum floor rate of 3.25% and maximum rate of 16.00%. Maximum combined loan to value is 80% for owner-occupied primary residence and owner-occupied second homes. Minimum line amount is $20,000. Subject to normal underwriting requirements. Property and flood insurance may be required. All AllCom loan programs, rates, terms and conditions are subject to change at any time without notice. Offers may be withdrawn at any time. Membership and application are subject to approval. Other terms and conditions may apply.

**Adjusts monthly to Prime – .25%. Prime rate is determined as the Prime Rate, published in the Wall Street Journal, on the last business day of the month. Prime rate is currently 8.50% (as of 7/27/2023).

²Rate offered may change after account is opened. Fees may reduce earnings.

**APY =Annual Percentage Yield

³A penalty may be imposed for early withdrawal.

**APY =Annual Percentage Yield

***Special term and APY are available for a limited time only and may be withdrawn without notice.

AllCom membership is required.