Rates effective as of November 1, 2018
Home Equity
| Type of Loan | Collateral | APR* | Term |
|---|---|---|---|
| Home Equity** 1st Lien Position 80% LTV | as low as 4.49% as low as 4.59% as low as 4.79% as low as 5.49% | 01-60 Months 61-120 Months 121-180 Months 181-240 Months |
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| Home Equity** 1st Lien Position 90% LTV | as low as 4.99% as low as 5.14% as low as 5.29% | 01-60 Months 61-120 Months 121-180 Months |
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| Home Equity** Subordinate Lien Position 80% LTV | as low as 4.49% as low as 4.59% as low as 4.79% as low as 5.49% | 01-60 Months 61-120 Months 121-180 Months 181-240 Months |
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| Home Equity* Subordinate Lien Position 90% LTV | as low as 5.29% as low as 5.34% as low as 5.54% | 01-60 Months 61-120 Months 121-180 Months |
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| 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. |
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| Maximum Loan Amounts:$5,000.00 minimum, $500,000.00 maximum for 1st lien and 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 Loan | Payment Period | Interest Rate | APR | Monthly Payment |
|---|---|---|---|---|
| 5/5 Adjustable Rate Mortgage up to $453,100* | Years 1 – 5 Years 6 – 30** | 4.25% 5.65% | 5.33% | $ 983.88 $ 1,131.60 |
| 5/1 Adjustable Rate Mortgage up to $453,100* | Years 1 – 5 Years 6 – 30** | 4.25% 5.42% | 5.53% | $ 983.88 $ 1,121.92 |
| 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 November 26, 2018. *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. |
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| 15 Year Fixed Rate Mortgage up to $453,100* | 15 Years | 4.25% | 4.60% | $1,504.56 |
| 30 Year Fixed Rate Mortgage up to $453,100* | 30 Years | 5.125% | 5.33% | $1,088.97 |
| 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 November 26, 2018. 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. |
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Auto
| Type of Loan | Maximum Loan Amount | Collateral | APR* | Term |
|---|---|---|---|---|
| New Automobile, Truck, & Motorcycle | Max Term 84 Months Up to 120% NADA Retail Value for Tiers A-C Up to 110% NDADA Retail Value for Tier D | Title/Good Credit Rating | as low as 3.49% as low as 3.59% as low as 3.69% as low as 4.44% | 01-36 Months 37-66 Months 67-75 Months 76-84 Months |
| Used Automobile, Truck, & Motorcycle | as low as 3.59% as low as 3.69% as low as 3.79% | 01-36 Months 37-66 Months 67-75 Months |
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| 0 -2 Year Old Max Term Is 75 Months- 2017,2016,2015 | Max Term 75 Months Up to 120% NADA Retail Value for Tiers A-C Up to 110% NADA Retail Value for Tier D | Title/Good Credit Rating | as low as 3.59% | 01-36 Months |
| 3 -5 Year Old Max Term Is 66 Months - 2014, 2013, 2012 | Max Term 66 Months Up to 120% NADA Retail Value for Tiers A-C Up to 110% NADA Retail Value for Tier D | as low as 3.69% | 37-66 Months | |
| 6 - 10 Year Old Max Term Is 36 Months - 2011,2010, 2009, 2008, 2007 | Max Term 36 Months Up to 90% NADA Retail Value for Tiers A-D | as low as 3.79% | 67-75 Months | |
| 11 – 13 Year Old Max Term is 24 Months- 2006, 2005, 2004 | Max Term 24 Months Up to 80% NADA Clean Loan Value | |||
| EFFECTIVE May 25, 2018 *** 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.*** |
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Recreational Vehicles
| Type of Loan | Maximum Loan Amount | Collateral | APR* | 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 Rating | as 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 Rating | as low as 7.34% as low as 8.24% | 01-36 Months 37-84 Months |
Personal
| Type of Loan | Maximum Loan Amount | Collateral | APR* | Term |
|---|---|---|---|---|
| Personal | up to $15,000 Maximum (based on your credit worthiness, higher loan amounts may be available) | Good Credit Rating | as low as 9.49% as low as 9.74% as low as 9.99% | up to 36 Months 37 to 60 Months 61 to 84 Months |
| Personal Line Of Credit | up to $15,000 Maximum (based on your credit worthiness, higher loan amounts may be available) | Good Credit Rating | as low as 12.99% | N/A |
Shares Secured
| Type of Loan | Maximum Loan Amount | Collateral | APR* | Term |
|---|---|---|---|---|
| Shares Secured | $585,000.00 | Share | 3.00% Over Current Quarter Annual Dividend Rate | 120 Mo. |
Visa Credit Card
| Type of Loan | Maximum Loan Amount | Collateral | APR* | Term |
|---|---|---|---|---|
| Classic VISA adjusted annually | $500.00 Minimum - $20,000.00 Maximum | Based on Prime Rate and 8.49% for Purchases, Currently 12.74% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 13.49% APR. | N / A | |
| Secured Classic VISA adjusted annually | $300.00 Minimum - $9,999.00 Maximum | Shares | Based on Prime and 8.49% for Purchases, Currently 12.74% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 13.49% APR. | N / A |
| Platinum VISA adjusted annually | $500.00 Minimum - $35,000.00 Maximum | Based on Prime Rate and 4.49% for Purchases, Currently 8.74% APR, Prime Rate and 5.24% for Cash Advance & Balance Transfers, currently 9.49%APR. | N / A |
Unit Cost Examples
As of November 1, 2018
| Type of Loan | Payment Rates |
|---|---|
| Personal Loans | 84 Monthly Payments of $16.60 per $1,000.00 borrowed @ 9.99% APR |
| New Auto/Truck/Motorcycle Loans | 84 Monthly Payments of $13.87 per $1,000.00 borrowed @ 4.44% APR |
| Used Auto/Truck/Motorcycle Loans | 75 Monthly Payments of $15.00 per $1,000.00 borrowed @ 3.79% APR |
| New Boats/Mobile Homes/Trailers | 84 Monthly Payments of $15.21 per $1,000.00 borrowed @ 7.24% APR |
| Used Boats/Mobile Homes/Trailers | 84 Monthly Payments of $15.71 per $1,000.00 borrowed @ 8.24% APR |
| Home Equity (Fixed) 1st Lien Position 80% LTV | 240 Monthly Payments of $6.87 per $1,000.00 borrowed @ 5.49% APR |
*APR is Annual Percentage Rate |
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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. |
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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. |
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The APR may increase after consummation (loans which stop direct deposit). Rates, terms and limits are subject to change without notice. |
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Personal and VISA Limits combined total not to exceed $35,000.00 (This limit does not include our Student Loans). |
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Contact an employee for further information about applicable fees and terms. |
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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 | 
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