Loan Rates

Rates set are subject to change.
Please call the Credit Union for the most accurate rates. Effective 10/01/2018.
Loan Rates

Loan TypeAnnual Percentage RateTerm (Months)
Special Loan – Borrow up to
$1,000.00 regardless of your credit
score (fee applies)*
18.00%Up to 12
Holiday Loan5.19% - 18.00%Up to 12
Freedom Loan6.19% - 17.19%Up to 48
GO GREEN – Up to $1,000.00
(Eco-friendly)
4.50% - 18.00%Up to 12
GO GREEN – Up to $10,000.00
(Eco-friendly)
4.75% - 18.00%Up to 48
Survive-A-Storm Loan4.50% - 10.75%Up to 60
Automobile (New or Used)2.60% - 14.60%Up to 36
Automobile (New or Used)
NADA Value
3.10% - 15.10%37 – 60
Automobile (New or Used)
See Note 1
3.60% - 15.60%61 – 84
Used Automobile 8 years of age or
older (NADA Value)
5.25% - 17.25%Up to 60
New or Used Boat
(See Note 5)
5.25% - 17.25%Up to 84
New or Used Boat
(See Note 5)
5.75% - 17.75%Up to 120
Motorcycle/Jet Ski (New or Used)4.25% - 16.25%Up to 36
Motorcycle/ Jet Ski (New or Used)4.75% - 16.75%37 – 60
Motorcycle/ Jet Ski
(New or Used) See Note 1
5.25% - 17.25%61 – 84
New or Used Recreation Vehicle
(See Note 2)
5.25% - 17.25%Up to 84
New or Used Recreation Vehicle
(See Note 2)
5.75% - 17.25%85 – 180
New/Used Small Equipment
(See Note 3)
5.99% - 17.99%72
Signature/Line-Of-Credit9.00% - 18.00%Up to 48
Savings Secured Loan3% above the current savings
dividend rate
N/A
Certificate Secured Loan3% above the current
certificate dividend rate
N/A
Consolidation9.00% - 18.00%Up to 48
Home Equity Line of Credit /
HELOC (See Note 4)
4.50%N/A
First Mortgage (CU Support
Services
See www.cusupportservices.com
Mastercard, Gold (Standard Rate)9.25% - 18.00%N/A

Print Loan Rate Table

For your convenience, loan calculators can assist you in your financial planning.

*Special Loan: You must have a recurring electronic deposit, into your account with us, for at least 90 days to qualify. You can borrow up to $500 for the first year, $750 the second and then $1,000 there after (as long as you maintain a good payment history and the amount borrowed has been paid in full prior to the next loan advance).
Fees are: $30 to borrow up to $500.00.  $40 to borrow up to $750.00.  $50 to borrow up to $1,000.00.

Note 1: A member must finance over $15,000 in order to have 61 to 72 months financing and must finance over $25,000 to have 73 to 84 months financing.

Note 2: You must finance at least $25,000.00 to have financing for a term up to 10 years for a used recreation vehicle, and a term of 15 years for a new recreation vehicle. Regardless of the term, a down payment of 5% of the purchase price is required for financing. This can be done via a down payment or equity in a trade-in.

Note 3: Small Equipment includes spas, pianos, tractors, golf carts, 4-wheelers, hearing aids, storage buildings, riding lawn mowers, computers, etc.

Note 4: HELOC rate is based on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%. We will pay up to half of the closing cost.           Please call for the most current rate and more details.

Note 5: A member must finance over $15,000 in order to have 61 to 72 months financing, must finance over $25,000 to have 71 to 84 months financing and must finance over $40,000 to have 85 to 120 months financing.

For other terms and conditions, please contact a Loan Officer for more details. 850-488-6781, option 5.

Flag Credit Union’s NMLS ID# 653000

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