Loan Rates

Rates effective as of October 23, 2017

Home Equity

Type of LoanCollateralAPR*Term
Home Equity**
1st Lien Position
80% LTV
 
as low as 2.99%
as low as 3.24%
as low as 3.74%
as low as 4.24%
01-60 Months
61-120 Months
121-180 Months
181-240 Months
Home Equity**
1st Lien Position
90% LTV
as low as 4.24%
as low as 4.49%
as low as 4.99%
01-60 Months
61-120 Months
121-180 Months
Home Equity**
Subordinate Lien Position
80% LTV
 
as low as 2.99%
as low as 3.24%
as low as 3.74%
as low as 4.24%
01-60 Months
61-120 Months
121-180 Months
181-240 Months
Home Equity*
Subordinate Lien Position
90% LTV
as low as 4.24%
as low as 4.49%
as low as 4.99%
01-60 Months
61-120 Months
121-180 Months
Home Equity Line of Credit
Stated rates are for new accounts only. Existing BHCU loans are subject to additional fees.
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
Maximum Loan Amounts:$5,000.00 minimum, $417,000.00 maximum for 1st lien and $208,000.00 maximum for subordinate lien(s). Total combined Liens with BHCU not to exceed $500,000.00. Total of Liens > $249,999.00 are required to have Title Insurance. No application fee(s) with the exception of loans totaling >$249,999.00. Primary Residence must be located in PA, DE, NJ or MD.

 

 

 

 

 

 

 

ARMs & Fixed Rate Mortgages

Type of LoanPayment PeriodInterest RateAPRMonthly Payment
5/5 Adjustable Rate Mortgage up to $424,100*Years 1 – 5
Years 6 – 30**
3.25%
4.67%
4.22%
$ 870.41
$ 1,010.11
5/1 Adjustable Rate Mortgage up to $424,100*Years 1 – 5
Years 6 – 30**
3.25%
4.15%
3.89% $ 870.41
$ 957.64
Example monthly payments are based on a loan amount of $200,000 with an estimated property value of $250,000 amounting to a down payment of 20%, excellent credit history, and do not include taxes and insurance – actual obligation will be greater. Stated APR's include a 0.25% origination fee. Advertised Annual Percentage Rate (APR) is effective as of October 23, 2017.

*Call the credit union for best available rates on Jumbo Loans.
**Interest rate and payment may increase after the initial 5 year period ends. Projected interest rate and payment is based on current index plus margin. Rates are subject to change. If approved, your terms may vary based upon your specific situation. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
15 Year Fixed Rate Mortgage up to $424,100*15 Years3.375% 3.49%$1,417.52
30 Year Fixed Rate Mortgage up to $424,100*30 Years4.125% 4.19%$969.30
Example monthly payments are based on a loan amount of $200,000, with an estimated property value of $250,000 amounting to a down payment of 20%, excellent credit history, and do not include taxes and insurance – actual obligation will be greater. Stated APRs include 0.25% origination fee.Advertised Annual Percentage Rate (APR) is effective as of October 23, 2017.
Rates are subject to change. If approved, your terms may vary based upon your specific situation.
* Call the credit union for best available rates on Jumbo Loans. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

 

 

 

 

 

 

 

Auto

Type of LoanMaximum Loan Amount CollateralAPR* Term
New Automobile, Truck, & Motorcycle
 
 
 
Max Term 84 Months
Up to 110% NADA Retail Value for Tiers A-C
Up to 100% NDADA Retail Value for Tier D
Title/Good Credit Ratingas low as 1.99%
as low as 2.24%
as low as 2.49%
as low as 2.99%
01-36 Months
37-66 Months
67-75 Months
76-84 Months
Used Automobile, Truck, & Motorcycle  as low as 1.99%
as low as 2.49%
as low as 2.99%
01-36 Months
37-66 Months
67-75 Months
0 -2 Year Old Max Term Is 75 Months- 2017,2016,2015Max Term 75 Months
Up to 110% NADA Retail Value for Tiers A-C
Up to 100% NADA Retail Value for Tier D
Title/Good Credit Ratingas low as 1.99%01-36 Months
3 -5 Year Old Max Term Is 66 Months - 2014, 2013, 2012Max Term 66 Months
Up to 110% NADA Retail Value for Tiers A-C
Up to 100% NADA Retail Value for Tier D
as low as 2.49%37-66 Months
6 - 10 Year Old Max Term Is 36 Months - 2011,2010, 2009, 2008, 2007Max Term 36 Months
Up to 80% NADA Retail Value for Tiers A-D
as low as 2.99%67-75 Months
11 – 13 Year Old Max Term is 24 Months- 2006, 2005, 2004Max Term 24 Months
Up to 80% NADA Clean Loan Value
EFFECTIVE September 18, 2017
*** Auto pre-approvals are contingent upon verification of income, year of the vehicle being purchased and the NADA Value as applicable. Requested amounts and terms of loan are subject to change once the year of vehicle is provided to the credit union. All of the above must be verified with the credit union prior to a member taking possession of his/her new/used vehicle. Credit Union will not honor approvals if all the above information has not been verified, as per policy.***

 

 

 

 

 

 

 

Recreational Vehicles

Type of LoanMaximum Loan AmountCollateralAPR*Term
New Boats, Mobile Home, Trailer, Camper
 
$2,500.00 minimum – $60,000.00 maximum. 90% of purchase price including taxes and tags, etc.Title/Good Credit Ratingas low as 6.34%
as low as 7.24%
01-36 Months
37-84 Months
Used
 
$2,500.00 minimum – $60,000.00 maximum. 80% of NADA average retail price including taxes and tags, etc.Title/Good Credit Ratingas low as 7.34%
as low as 8.24%
01-36 Months
37-84 Months

 

 

 

 

 

 

 

Personal

Type of LoanMaximum Loan AmountCollateralAPR*Term
Personal
 
 
up to $15,000 Maximum (based on your credit worthiness, higher loan amounts may be available)Good Credit Ratingas low as 7.99%
as low as 8.39%
as low as 8.99%
up to 36 Months
37 to 60 Months
61 to 84 Months
Personal Line Of Creditup to $15,000 Maximum (based on your credit worthiness, higher loan amounts may be available)Good Credit Ratingas low as 10.74%N/A

 

 

 

 

 

 

 

Shares Secured

Type of LoanMaximum Loan AmountCollateralAPR*Term
Shares Secured$585,000.00 Share3.00% Over Current Quarter Annual Dividend Rate120 Mo.

 

 

 

 

 

 

 

Visa Credit Card

Type of LoanMaximum Loan AmountCollateralAPR*Term
Classic VISA
adjusted annually
$500.00 Minimum - $20,000.00 Maximum
 
Based on Prime Rate and 8.49% for Purchases, Currently 11.99% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 12.74% APR.N / A
Secured Classic VISA
adjusted annually
$300.00 Minimum - $9,999.00 Maximum
 
SharesBased on Prime and 8.49% for Purchases, Currently 11.99% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 12.74% APR.N / A
Platinum VISA
adjusted annually
$500.00 Minimum - $35,000.00 Maximum
 
Based on Prime Rate and 4.49% for Purchases, Currently 7.99% APR, Prime Rate and 5.24% for Cash Advance & Balance Transfers, currently 8.74%APR.N / A

 

 

 

 

 

 

 

Unit Cost Examples

As of February 1, 2017

Type of LoanPayment Rates
Personal Loans84 Monthly Payments of $16.08 per $1,000.00 borrowed @8.99% APR
New Auto/Truck/Motorcycle Loans84 Monthly Payments of $13.66 per $1,000.00 borrowed @ 3.99% APR
Used Auto/Truck/Motorcycle Loans72 Monthly Payments of $15.19 per $1,000.00 borrowed @ 2.99% APR
New Boats/Mobile Homes/Trailers84 Monthly Payments of $15.21 per $1,000.00 borrowed @ 7.24% APR
Used Boats/Mobile Homes/Trailers84 Monthly Payments of $15.71 per $1,000.00 borrowed @ 8.24% APR
Home Equity (Fixed) 1st Lien Position 80% LTV240 Monthly Payments of $6.46 per $1,000.00 borrowed @ 4.74% APR

*APR is Annual Percentage Rate

The Annual Percentage Rate (A.P.R.) is subject to change on all VISA Secured, VISA Classic, VISA Platinum and Home Equity Line of Credit Products.

Our credit union has a tiered loan rate policy which applies different loan rates, terms, and maximum limits to borrowers based upon the borrowers' credit history. Advertised rates apply to borrowers in Tier 1.  The loan rate applicable to you may vary from our rates as quoted. All rates are expressed as ANNUAL PERCENTAGE RATES (APR) and include a 1.00% reduction for automatic transfers from a BHCU Share or Share Draft account,  with the exception of our PLOC, HELOC, Credit Card and Share Secured Loan.

The APR may increase after consummation (loans which stop direct deposit).  Rates, terms and limits are subject to change without notice.

Personal and VISA Limits combined total not to exceed $35,000.00 (This limit does not include our Student Loans).

Contact an employee for further information about applicable fees and terms.

Routing Number: 231385701

Your Delaware County Credit Union

501 Industrial Highway Ridley Park, PA 19078    |     1810 Wilmington Pike, Ste 15 Glen Mills, PA 19342

610-595-2929 | Email Us | Follow Us

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Federally Insured by NCUA

 

 

 

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