Rates


Auto LoansHome EquityMortgagesOther LoansVISACheckingSavingsShare Certificates
Auto Loan as of April 1, 2013
Model year Term Term APR as low as *Est. Payment/$1,000
2011 & Newer 3 Years 1.99% $28.64
4 Years 1.99% $21.70
5 years 1.99% $17.53
6 years 2.24% $14.86
7 years 2.99% $13.21
2007 – 2010 3 Years 1.99% $28.64
4 Years 1.99% $21.70
5 Years 1.99% $17.53
6 Years 2.99% $15.19
2006 & Older 3 Years 1.99% $28.64
4 Years 1.99% $21.70
5 Years 1.99% $17.53
6 years 2.99% $15.19


Subtract .25% for Hybrid Cars

*Estimate includes principal and interest only. Rates and loan terms are determined based on applicant’s past credit history. Annual Percentage Rates will vary from 1.99%APR to 10.74%APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Advantage Federal Credit Union. Rates subject to change without notice. Loan terms greater than 60 months (5 years) may be subject to credit criteria. Membership subject to eligibility. Other terms available. Limited time offer.

Home Equity Fixed/Closed End-2nd Lien Position as of October 29, 2012
Amount Term APR as low as *Est. Payment/$1,000
$7,500 – $300,000 5 Years 3.75% $18.31
7 Years 3.99% $13.67
10 years 4.75% $10.49
15 years 5.99% $8.44
Home Equity Fixed/Closed End-1st Lien Position as of October 29, 2012
Please call for quote
Home Equity Variable/Closed End as of October 29, 2012
Amount Term APR as low as *Est. Payment/$1,000
$7,500 – $300,000 5 Years 2.74% $17.86
10 Years 2.74% $9.54
15 Years 3.25% $7.03
Home Equity Line of Credit as of October 29, 2012
Amount Intro Rate APR as low as *Est. Payment
$7,500 – $24,999 1.25% 4.24% Min. payment of $100
$25,000 – $49,999 1.25% 3.25% or 1.3%
$50,000 – $300,000 1.25% 3.00% of your balance

Home Equity Disclosures

*Estimate includes principal and interest only.

Conventional Mortgages as of May 23, 2013
Programs Rate APR *Est. Payment/$1,000
30 Year Fixed 4.250% 4.432% $4.92
25 Year Fixed 4.250% 4.460% $5.42
20 Year Fixed 4.125% 4.376% $6.13
15 Year Fixed 3.375% 3.690% $7.09
10 Year Fixed 3.375% 3.832% $9.83
10/1 Year Adjustable 3.125% 3.41% $4.29
5/1 Year Adjustable 2.750% 3.26% $4.09
1/1 Year Adjustable 3.000% 3.040% $4.22


Adjustable Rate Mortgage Facts

*Adjustable=30 Years

*Estimate includes principal and interest only.

**The rates are for loans in the range of $35,000 to $417,000. Owner-occupied 1-4 family properties within New York State only. ** All Annual Percentage Rates are based on a 20% down payment and amortized over the maximum term. Other options available.

Holiday Expense as of June 20, 2011
Term APR as low as *Est. Payment/$1,000
1 Year 10.00% $87.90
Personal as of June, 2011
Term APR as low as *Est. Payment/$1,000
1 Year 10.00% $87.90
2 Year 12.00% $47.08
4 Year 12.50% $26.58
5 Year 12.50% $22.50
Debt Consolidation as of June 20, 2011
Amount of Loan Term APR as low as *Est. Payment/$1,000
Up to $20,000 3 Year 9.20% $31.90
4 Year 9.90% $25.32
5 Year 9.90% $21.20
6 Year 10.90% $18.99
Home Improvement as of June 20, 2011
Term APR as low as *Est. Payment/$1,000
5 Year 7.50% $20.04
10 Year 8.50% $12.40
Summer Expense Loan as of June 20, 2011
Term APR as low as *Est. Payment/$1,000
1 Year 10.00% $87.92
Boat/RV/Motorcycle as of June 20, 2011
New / Used Term APR as low as *Est. Payment/$1,000
Used 5 Year 8.10% $20.33
Used 7 Year 10.00% $16.61
New 5 Year 8.10% $20.33
New 10 Year 10.00% $13.22
Overdraft Line of Credit as of June 20, 2011
APR as low as
16.95%
Loan Secured by Term Share Cert (TSC) as of June 20, 2011
APR as low as
TSC Rate + 2.00%
Loan secured by Regular Shares as of June 20, 2011
APR as low as
5.75%

Visa Classic as of January 3, 2011
APR as low as *Est. Payment
8.95% Min. Payment of $10.00
Or 1.5% of Balance

Smart Money Checking as of February 1, 2013
Average Daily Balance Dividends Paid Rate APY
$0 – $4,999 Monthly 0.35% 0.35%
$5,000 – $24,999 Monthly 0.45% 0.45%
$25,000 – $74,999 Monthly 0.55% 0.55%
$75,000 and UP Monthly 0.65% 0.65%
Basic Checking
Rate APY
N/A N/A

Savings Rates as of February 1, 2013
Account Type Dividends Paid Rate APY
Spread-the-Check Quarterly 0.05% 0.05%
Vacation Club Quarterly 0.05% 0.05%
Basic Quarterly 0.05% 0.05%
Holiday Club Quarterly 0.05% 0.05%
Youth Quarterly 0.50% 0.50%
Teen Smart Quarterly 0.50% 0.50%
Money Maker as of February 1, 2013
Balance Dividends Paid Rate APY
Up to $9,999 Monthly 0.25% 0.25%
$10,000 – $24,999 Monthly 0.35% 0.35%
$25,000 – $49,999 Monthly 0.45% 0.45%
$50,000 and UP Monthly 0.55% 0.55%

Term Share and IRA Certificates EFFECTIVE as of February 1, 2013
Term Dividends Paid Rate APY
6-11 Month At Maturity 0.40% 0.40%
12-17 Month Quarterly 0.60% 0.60%
18-23 Month Quarterly 0.70% 0.70%
24-29 Month Quarterly 0.75% 0.75%
30-35 Month Quarterly 0.90% 0.90%
36-47 Month Quarterly 1.00% 1.00%
48-59 Month Quarterly 1.29% 1.30%
60 Month Quarterly 1.49% 1.50%