Rates

Variable Rate Loans

1 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify.

2 Up to 100% financing when age of vehicle is 8 years older than current model year as long as vehicle books in NADA.

These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of April 1, 2015 the prime rate was 3.25%.

Loan Type APR*
Personal & Overdraft Line of Credit 8.15% – 12.15%1
Gold Star Line of Credit 7.75%1
Used Passenger Vehicles2 5.25% – 9.25%1
Used Recreational Vehicles2 5.75% – 9.75%1


Home Equity Line of Credit

These APR’s* are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 14% APR. As of April 1, 2015 the prime rate was 3.25%. Flood and /or property hazard insurance may be required.

Term Up to 80% of Available Equity APR*
Up to 180 Months Up to $400,000 3.20%

Equity Advantage Fixed Rate – 1st Lien

*Rates subject to change. Please contact a loan officer to determine the rate and term for which you may qualify. Flood and/or property hazard insurance may be required. The property being used as collateral will have no other lien/mortgage against it except for this new Equity Loan which Belvoir Federal will hold the 1st Lien position.

What Are My Monthly Payments?

Fixed Term – 1st Lien Borrowed Equity Amount APR Monthly Payment
5 Years $10,000 3.49% $182.41
10 Years $10,000 4.49% $104.00
Fixed Term Loan Amount APR*
5 Years $10,000 – $400,000 3.49%
10 Years $10,000 – $400,000 4.49%

Equity Advantage Fixed Rate – 2nd Lien

*Rates subject to change. Please contact a loan officer to determine the rate and term for which you may qualify. Flood and/or property hazard insurance may be required. The property being used as collateral already has a lien/mortgage against it and that lien will remain on the property in 1st Lien position. Belvoir Federal will hold the lien on this new Equity Loan which will put Belvoir Federal in 2nd Lien position.

What Are My Monthly Payments?

Fixed Term – 2nd Lien Borrowed Equity Amount APR Monthly Payment
5 Years $10,000 3.49% $182.41
10 Years $10,000 4.49% $104.00
Fixed Term Loan Amount APR*
5 Years $10,000 – $400,000 3.49%
10 Years $10,000 – $400,000 4.49%


Fixed Rate Loans

1 New Auto Loan is current model year or newer. Used Auto Loan is up to 7 model years old.

2 The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score, and product mix. Please contact a loan officer to determine the rate and term for which you qualify.

3 Includes Current Model Year plus four years back.

4 Certain Restrictions Apply

5 $5,000 to $25,000

6 Loan amount minimum $500, maximum $5,000 for loans less than $1,100 minimum payment of $25.00 per month. For loans greater than $1,100, payments calculated over a max of 48 months. Funds may only be used for the purchase of a VSA. Qualified members only.

Loan Type APR Terms
Share Certificate Secured Certificate rate + 3.00% Term of Certificate
New/Used Auto 1.99% – 10.50% 1 – 36 Months
New/Used Auto 2.49% – 10.50% 37 – 60 Months
New/Used Auto 3.49% – 11.25% 61 – 72 Months
New/Used Auto 4.49% – 14.25% 73 – 84 Months
New/Used Recreational Vehicles 5.50% – 11.25% 1 – 240 Months
Preferred Prime Loan 6.99% 1 – 36 Months
Preferred Prime Loan 7.99% 37 – 60 Months
Vehicle Service Agreement Loan 6.00% 1 – 48 Months
Share Secured Prime Share Rate + 3.00% 1 – 84 Months


Loan Examples

These examples are for comparison purposes only and do not reflect an offer of credit. All terms and conditions are subject to change without notice. Some restrictions do apply.

Loan Type Amount APR* Monthly Payment
New or Used Passenger Vehicles (60 mos.) $20,000 3.90% $366.43
New or Used Passenger Vehicles (60 mos.) Highest Rate $20,000 10.50% $429.88
New or Used Passenger Vehicles (72 mos.) $20,000 4.90% $320.08
New or Used Passenger Vehicles (72 mos.) Highest Rate $20,000 11.25% $383.25
New or Used Passenger Vehicles (over $25,000-84 mos.) $30,000 5.90% $435.04
New or Used Passenger Vehicles (over $25,000-84 mos.) Highest Rate $30,000 14.25% $566.35
New or Used RV (60 mos.) Discounted Rate w/10% down payment $20,000 7.50% $400.76
New or Used RV (60 mos.) Highest Rate w/10% down payment $20,000 11.25% $437.35
New or Used RV (over $20,000-120 mos.) Highest Rate w/10% down payment $30,000 11.25% $417.51
New or Used RV (over $25,000-72 mos.) Highest Rate w/10% down payment $30,000 11.25% $574.87
Vehicle Service Agreement (48 mos.) Highest Rate $5,000 6.00% $117.44