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Receive up to 0.50% discount off your new loan rate when you have any two of the following products

(0.25% discount per product; maximum of 0.50% discount)

• Active checking account with direct/payroll deposit (account must be in good standing for the last 30 days)
• Visa debit card or prepaid MasterCard
• CCFCU loan in repayment (loan must be in good standing for the last 90 days)
• Collateral loan with 20% difference between NADA retail and amount financed
• E-statements

Fully Secured by Shares - Loan rate 2.00% above share dividend rate for maximum of 60 months.

Please call for rates on credit scores of 549 or less.

Effective January 1, 2020

Overdraft loan line of credit of $500 reflects $35 monthly payment

Overdraft loan line of credit of $1,000 reflects $45 monthly payment

*APR = Annual Percentage Rate

Home Equity Loan Notes

• Effective July 1, 2023
• Using the rate of 5.45% your calculated payment your calculated payment on $25,000 for 5 years is $21.48 per $1,000 financed.
• Using the rate of 5.45% your calculated payment your calculated payment on $100,000 for 10 years is $10.82 per $1,000 financed.
• Using the rate of 6.24% your calculated payment your calculated payment on $200,000 for 20 years is $7.30 per $1,000 financed.
• Credit restrictions apply.
• All Rates are subject to change without advance notice.
• The closing costs for the loan will be New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 3/4% to 1% of the financed amount.
• Cooper's Cave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off prior to 60 months all closing costs incurred will be added to the balance of the loan.
• Cooper's Cave Federal Credit Union is not responsible or liable for typographical errors regarding posted rates.
• Contact your tax advisor for tax deduction purposes.

Home Equity Variable-Rate Line of Credit Loan Notes

• Effective January 1, 2020
• Quoted rate is valid for the first twelve months of the loan. The rate will be adjusted to the prime rate plus 1.5% as published in the Wall Street Journal, 30 days prior to the annual interest rate adjustment.
• The rate adjustment is based on the Prime Rate as published in the Wall Street Journal with a margin of 1.00%. The rate cannot increase or decrease more that 2.0 percentage points in any one year period. The rate cannot fall below the regular published rate and not exceed 12.00%.
• The closing costs for the loan will be New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 3/4% to 1.0% of the financed amount.
• Cooper's Cave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off prior to 60 months all closing costs incurred will be added to the balance of the loan.
• There is a 7 year draw period on Line of Credit.
• Credit Restrictions apply
• All rates are subject to change without advance notice.
• Cooper's Cave Federal Credit Union is not responsible for typographical errors regarding posting rates.
• Contact your tax adviser for tax deduction purposes.