View Liberty Bay Credit Union’s rates on various loans: Vehicle & Personal, RV & Trailer, boats and more.

Rates effective as of October 5, 2020. All rates are subject to change at any time.

Auto Loans

Term (months)APR* (as low as)Payment Per Thousand
0-362.74%$28.98
37-603.24%$18.09
61-723.49%$15.42

Maximum loan amount of $150,000.00

RV & Trailer Loans

Term (months)APR* (as low as)Payment Per Thousand
0-365.25%$30.10
37-605.50%$19.11
61-725.99%$16.58
73-1807.99%$9.56

Maximum loan amount of $150,000.00

Boat Loans

Term (months)APR* (low as)Payment Per Thousand
0-1804.99%$7.92

Maximum loan amount of $150,000.00

Personal Loans

TermAPR* (as low as)Payment Per Thousand
Premier Line of CreditOpen Line9.99%$20.00
Personal Loan0-24 Months8.99%$45.71
25-48 Months9.49%$25.13
49-60 Months9.99%$21.26

Maximum loan amount of $10,000.00

Mass Save HEAT Loan

Term (months)APR* (as low as)Payment Per THousand
12-840%$11.90

Maximum loan amount of $25,000.00

 

*APR-Annual Percentage Rate. Rate is subject to change and based on individual credit history/score. Certain restrictions and conditions may apply.

Home Equity Line of Credit (HELOC)

Product/RateMinimum FICO Score RequiredMaximum Loan-To-ValueMaximum Loan AmountPayment Per Thousand
Prime +0.50% APR 1 (Minimum draw of $15,000)62080%$1,000,000$5.14
Rehab HELOC/Prime +2.00% APR 1,264090%$500,000$5.99
Prime +2.00% APR 170090%$500,000$5.99

Based on Prime = 3.25%

1. APR = Annual Percentage Rate. Home Equity Lines for $250,001 and over require a full appraisal. Index is the Prime Rate as published in the Wall Street Journal on the last business day of each month. The rate may increase during the term of the loan. The maximum APR is 18%. Credit Union membership is required. Homeowners insurance is required for the life of the loan. Offer is subject to change at any time.

2. Rehab Home Equity Lines require a full appraisal regardless of loan amount. Index is the Prime Rate as published in the Wall Street Journal at the beginning of each monthly billing cycle. The maximum APR is 18%. Credit Union Membership is required. Homeowners insurance is required for the life of the loan. Combined loan to value limits apply. Floor rate of 3%. Rates are subject to change.

Home Equity Loan

ProductInterest RateAPR 1Term (months)Payment Per Thousand
7 Year Fixed4.00%4.00%84$13.67
10 Year Fixed4.25%4.24%120$10.24
15 Year Fixed4.50%4.50%180$7.65

1 APR= Annual Percentage Rate. The minimum loan amount is $15,000 with and 80% maximum Loan to Value (LTV) on primary residence using an appraisal at the borrowers expense. Home Equities for $250,000 and over require a full appraisal. Index is the Prime Rate as published in the Wall Street Journal on the last business day of each month. The rate may increase during the term of the loan, the maximum APR is 18%. Credit Union membership is required. Homeowners insurance is required for the life of the loan. Offer is subject to change at any time.

Consult your tax advisor regarding deductibility of interest on these loans.