Loan Rates

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Loans

New and Used Cars, Trucks and Vans

  •  Rates effective 02-27-2015
APR Payment per $1,0001 Alert Me
Up to 24 Months 1.49% $42.32
25 to 36 Months 1.99% $28.64
37 to 48 Months 2.19% $21.78
49 to 60 Months 2.19% $17.61
61 to 72 Months 2.19% $14.83
73 to 84 Months 4.49% $13.90
Rates reflect a 1/4% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Additional discounts may be available for fuel efficient vehicles and/or when loan to value is 90% or lower. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Contact Member Services at 800-656-4328 for rate details. Active Duty members in the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves) can get 0.25% discount for loans on new and used vehicles. Spouses and retired military personnel are not eligible.
  • 1Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

New and Used Boats, Motorcycles and RVs

  •  Rates effective 02-27-2015
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 1.74% $42.43
25 to 36 Months 2.24% $28.75
37 to 48 Months 2.44% $21.89
49 to 60 Months 2.44% $17.72
61 to 72 Months 2.44% $14.94
73 to 84 Months 4.74% $14.01
  • 1APR=Annual Percentage Rate.
  • 2Rates shown are for members with the best credit profile. Other rates are available, based on your credit history.

Better Than a Lease Loan

  •  Rates effective 02-27-2015
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Personal/Signature Loan

  •  Rates effective 02-27-2015
APR1 Payment per $1,0002 Alert Me
Up To 60 months 8.49% $20.51
Rates reflect a 0.25% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Share Secured

  •  
APR1 Alert Me
security rate + 3%
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Credit Card and Lines

Visa Credit Card

  •  Rates effective 02-27-2015
APR1 Alert Me
Visa Platinum Credit Card 8.49%
Visa Platinum Secured Credit Card 8.49%
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Line of Credit

  •  Rates effective 02-27-2015
APR1 Alert Me
8.49%
Rates reflect a 0.25% discount for automatic payment from a Hanscom FCU checking account. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Bi-weekly payments are available. Contact Member Services at 800-656-4328 for rate details.
  • 1APR=Annual Percentage Rate.

Home Equity

Home Equity 3 in 1 Advantage Plan

  •  Rates effective 02-27-2015
Line of Credit and Visa Platinum Credit Card APR1 Payment per $1,0002 Alert Me
To 75% LTV (Prime - 1/2%) 2.75% Varies
76% to 85% LTV (Prime + 1/2%) 3.75% Varies
Over 85% LTV (Prime + 1 1/2%) 4.75% Varies
Fixed Rate Advance - To 75% LTV Alert Me
Up to 5 years 2.99% $17.96
5 to 10 years 3.99% $10.12
10 to 15 years 4.99% $7.90
15 to 20 years 5.99% $7.16
Fixed Rate Advance - 76% to 85% LTV Alert Me
Up to 5 years 3.24% $18.08
5 to 10 years 4.24% $10.24
10 to 15 years 5.24% $8.03
15 to 20 years 6.24% $7.30
Fixed Rate Advance - Over 85% LTV Alert Me
Up to 5 years 3.49% $18.19
5 to 10 years 4.49% $10.60
10 to 15 years 5.49% $8.17
15 to 20 years 6.49% $7.45
Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details.

The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes, or extra appraisal costs (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV
  • 1APR=Annual Percentage Rate.
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

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Mortgage

Mortgage Rates

  •  
Rate
APR
Points
30 Year Fixed Rate 3.625% 3.680% 0.000%
MassHousing 3.875% 3.951% 0.000%
20 Year Fixed Rate 3.500% 3.576% 0.000%
15 Year Fixed Rate 2.750% 2.846% 0.000%
5 Year Adjustable Rate 2.750% 2.802% 0.000%

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