Loan Rates

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Polish National CU Mortgage Loan Originators NMLS Registry Information


Contact a Polish National Credit Union employee for more details. The credit union is federally insured by NCUA. Additional insurance is provided by MSIC.


All Rates Are Subject To Change Without Notice


Fixed Rate Mortgages*

Rates as of Thursday, January 17, 2019

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
10 Year Fixed Rate Mortgage
0.0003.750%3.994%$10.01Show Payments and Rates
1.0003.625%4.083%$9.95Show Payments and Rates
2.0003.500%4.175%$9.89Show Payments and Rates
15 Year Fixed Rate Mortgage
0.0003.875%4.045%$7.33Show Payments and Rates
1.0003.750%4.069%$7.27Show Payments and Rates
2.0003.625%4.093%$7.21Show Payments and Rates
20 Year Fixed Rate Mortgage
0.0004.250%4.384%$6.19Show Payments and Rates
1.0004.125%4.377%$6.13Show Payments and Rates
2.0004.000%4.370%$6.06Show Payments and Rates
30 Year Fixed Rate Mortgage
0.0004.375%4.473%$4.99Show Payments and Rates
1.0004.250%4.433%$4.92Show Payments and Rates
2.0004.125%4.394%$4.85Show Payments and Rates


*The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. Cost per thousand does not include RE taxes & insurance premiums. Actual payment may be higher. Annual Percentage Rate (APR) for all loans are based on a representative $100,000 loan amount for the stated term and include the points listed. Rates require minimum 20% down payment/equity, minimum 660 credit score for 1st lien position purchase or rate and term refinance of single family primary residence. Rates are not guaranteed until lock-in and subject to change without notice. Maximum loan amount is $484,350. All loan applications subject to credit underwriting and property approval. Homeowner's insurance and flood insurance (if applicable) are required. Private mortgage insurance (PMI) is required if your down payment/equity is less than 20% and rates may be higher. 1 point and 2 point products are also available. Please contact a mortgage loan originator for current rates.


Fixed Rate Jumbo Mortgages*

Rates as of Thursday, January 17, 2019

PointsInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
10 Year Fixed Rate Jumbo Mortgage
0.0003.750%3.994%$10.01Show Payments and Rates
1.0003.625%4.083%$9.95Show Payments and Rates
2.0003.500%4.175%$9.89Show Payments and Rates
15 Year Fixed Rate Jumbo Mortgage
0.0003.875%4.045%$7.33Show Payments and Rates
1.0003.750%4.069%$7.27Show Payments and Rates
2.0003.625%4.093%$7.21Show Payments and Rates
20 Year Fixed Rate Jumbo Mortgage
0.0004.250%4.384%$6.19Show Payments and Rates
1.0004.125%4.377%$6.13Show Payments and Rates
2.0004.000%4.370%$6.06Show Payments and Rates
30 Year Fixed Rate Jumbo Mortgage
0.0004.375%4.473%$4.99Show Payments and Rates
1.0004.250%4.433%$4.92Show Payments and Rates
2.0004.125%4.394%$4.85Show Payments and Rates


*Annual Percentage Rate (APR) effective as of January 3, 2019. The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. The 4.375% interest rate requires 360 monthly payments of $4.99 per $1,000 borrowed. Cost per thousand does not include RE taxes & insurance premiums. Actual payment may be higher. Annual Percentage Rate (APR) for all loans are based on a $484,351 loan amount for the stated term. Maximum 80% loan-to-value (LTV). LTV’s over 80% may be available, see your loan originator for more information. Private Mortgage Insurance will be required if the LTV is greater than 80%. This product is for loan amounts of $484,351 to be secured by a 1st lien position purchase or refinance of a single family primary residence. Rates are not guaranteed until lock-in and subject to change without notice. Homeowner’s insurance and flood insurance (if applicable) are required. $1,500 off the closing costs of any new purchase first mortgage or new money refinanced mortgage with Automatic Payment from a PNCU Checking Account (Home Equity Loans and Home Equity Lines do not qualify for this offer). Closing cost discount will be applied as a lender credit at loan closing. To qualify for any discount a PNCU Checking Account must be opened prior to closing. All loan applications are subject to underwriting and collateral approval. This offer can change without prior notice and cannot be combined with any other offer. You must become a member of PNCU if you are granted a loan and remain a member for the life of the loan. Membership is attained by opening a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. 1 point and 2 point products are also available. Please contact a mortgage loan originator for current rates.


Adjustable Rate Mortgages*

Rates as of Thursday, January 17, 2019

Interest RateAnnual Percentage RateFully Indexed RatePayment per $1,000PaymentsApply
5/1 Year ARM 30 Year Term
3.375%4.747%5.465%$4.42Show Payments and Rates
7/1 Year ARM 30 Year Term
3.500%4.577%5.465%$4.49Show Payments and Rates
10/1 Year ARM 30 Year Term
4.000%4.604%5.465%$4.77Show Payments and Rates


*APR= Annual Percentage Rate and assumes $100,000 mortgage and a 20% down payment. Maximum Loan-to-Value (LTV) is 95%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. Adjustable Rate Mortgages use the index of 2.59 and caps 2% and 6%. The above rates are discounted. The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. The adjustable rates and payments can increase or decrease. All loans are subject to PNCU underwriting guidelines and property approval.



First Time Home Buyer*

Rates as of Thursday, January 17, 2019

Interest RateAnnual Percentage RateFully Indexed RatePayment per $1,000PaymentsApply
12/1 Year ARM 30 Year Term FTHB*
3.875%4.403%5.465%$4.70Show Payments and Rates
30 Year Fixed Rate FTHB**
4.250%4.310%5.535%$4.92Show Payments and Rates


*APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. Adjustable Rate Mortgages use the current index of 2.59 and caps of 2% and 6%. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium.

**APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium. All loans are subject to PNCU, underwriting guidelines and property approval.


Fixed Rate Home Equity Loans*

Rates as of Thursday, January 17, 2019

Interest RateAnnual Percentage RatePayment per $1,000PaymentsApply
5 Year Fixed Rate Home Equity Loans
3.750%3.750%$18.30Show Payments and Rates
10 Year Fixed Rate Home Equity Loans
4.250%4.250%$10.24Show Payments and Rates
15 Year Fixed Rate Home Equity Loans
4.500%4.500%$7.65Show Payments and Rates
20 Year Fixed Rate Home Equity Loans
4.750%4.750%$6.46Show Payments and Rates


*APR= Annual Percentage Rate. The advertised rate includes a 0.25% discount for Automatic Payment from a PNCU Perks Checking Account. Homeowner's insurance is required. Closing costs will not apply (appraisal, courier, and recording fees may be applicable). The minimum loan amount is $10,000.00 and the maximum loan amount is $250,000. Rates apply to owner occupied 1-4 family residences with a maximum LTV 80%. All loan applications are subject to credit underwriting and collateral approval. Consult a tax advisor concerning the deductibility of interest.


Home Equity Lines of Credit*

Rates as of Thursday, January 17, 2019

Interest RateAnnual Percentage RateProduct DescriptionApply
Perks Home Equity Line of Credit
1.500%1.500%During Introductory Period
5.250%5.250%Variable Rate After Introductory Period
Value PLUS Home Equity Line of Credit
6.500%6.500%


Perks Home Equity Line of Credit

*APR= Annual Percentage Rate. Introductory rate of 1.50% for the first six (6) months after loan and Prime minus 0.25% after. After the six (6) month introductory rate period, the interest rate will be variable and equal the Index minus 0.25%.The index is the PRIME RATE published daily in the Money Rates column of the Wall Street Journal. The APR may increase or decrease each month if the Prime Rate changes throughout the Draw Period and the Repayment Period. The maximum APR is 18% and the minimum APR is 4.25%. The Draw Period is ten (10) years and the Repayment Period is twenty (20) years. The total term is thirty (30) years. Monthly payments of interest only calculated on the amount advanced will be required during the draw period. Monthly payment of principal and interest will be required during the repayment period. Up to 80% of the value of your home minus your first mortgage balance (if any). The minimum credit limit is $10,000 and the maximum credit limit is $250,000. If the line of credit is paid off within the first twelve (12) months after loan opening, an early termination fee of $450 will be charged in addition to any balance due on the loan. If the line of credit is paid off after the 12th month and within thirty six (36) months after loan opening, an early termination fee of $350 will be charged in addition to any balance due on the loan. Typical legal and recording fees will be paid by the credit union. Borrower(s) will be responsible for any fees related to trust review, subordinations, discharges, etc. If an appraisal is required, the appraisal fee will be paid by the borrower(s). Homeowner’s insurance and flood insurance (if applicable) are required. Eligible properties are 1-4 family, owner occupied homes. All loan applications are subject to PNCU credit guidelines, property approval and underwriting requirements. All rates are subject to change without prior notice.

Value PLUS Prime Home Equity Line of Credit

*APR= Annual Percentage Rate. The interest rate will be the current Prime Rate plus 1.00%. The interest rate is variable and equal to the Index plus a margin of 1%. The index is the PRIME RATE published daily in the Money Rates column of the Wall Street Journal. The APR and payment may increase or decrease each month if the Prime Rate changes during the Draw Period or the Repayment Period. The maximum APR is 18% and the minimum APR is 4.25%. The Draw Period is ten (10) years and the Repayment Period is twenty (20) years. The total term is thirty (30) years. Monthly payments of interest only calculated on the amount advanced will be required during the Draw Period. Monthly payments of principal and interest will be required during the Repayment Period. Up to 90% of the value of your home minus your first mortgage balance (if any). The minimum credit limit is $10,000 and the maximum credit limit is $250,000. The minimum median credit score of at least one borrower must be 700.The maximum debt to income ratio (DTI) is 41%. All loans are subject to PNCU credit guidelines, property approval and underwriting requirements. If the line of credit is paid off within the first twelve (12) months after loan opening, an early termination fee of $450 will be charged in addition to any balance due on the loan. If the line of credit is paid off after the 12th month and within thirty-six (36) months after loan closing, an early termination fee of $350 will be charged in addition to any balance due on the loan. Typical legal and recording fees will be paid by the credit union. Borrower(s) will be responsible for any fees related to trust review, subordinations, discharges, etc. If an appraisal is required, the appraisal fee will be paid by the borrower(s). Homeowner’s insurance and flood insurance (if applicable) are required. Eligible properties are 1-4 family, owner occupied homes. All rates are subject to change without prior notice.


Auto & Motorcycle Loans*

Rates as of Thursday, January 17, 2019

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000PaymentsApply
24-36 months3.140%3.140%$43.04Show Payments and Rates 
64-75 months3.840%3.840%$17.30Show Payments and Rates 
76-84 months4.140%4.140%$14.98Show Payments and Rates 
Used Automobile Loans, 2016-2020 models
24-63 months3.590%3.590%$43.24Show Payments and Rates 
64-75 months4.390%4.390%$17.55Show Payments and Rates 
76 - 84 months4.440%4.440%$15.12Show Payments and Rates 
Used Automobiles 2011 and older models
24 - 63 months4.390%4.390%$43.60Show Payments and Rates 
New Motorcycle Loans
Up to 60 months3.740%3.740%$43.31Show Payments and Rates 
Used Motorcycle Loans, 2020-2015 models
Up to 60 months3.990%3.990%$43.42Show Payments and Rates 
Used Motorcycle Loans, 2014 models
Up to 48 months3.990%3.990%$43.42Show Payments and Rates 
Used Motorcycle Loans, 2013 models
Up to 36 months3.990%3.990%$43.42Show Payments and Rates 
Used Motorcycle Loans, 2012 models
Up to 24 months3.990%3.990%$43.42Show Payments and Rates 

*APR= Annual Percentage Rate. Rates shown are based on our credit Tier I and includes a 0.25% discount for Automatic Payment from a PNCU Perks Checking Account. Your actual rate may be higher based on your individual credit score. Subject to credit approval. Maximum loan amount for vehicle loan is $80,000 and motorcycle is $50,000. 125% Financing available on New Automobiles. Used Automobile Financing based on NADA Retail Value up to 125% of the Purchase Price. 100% Financing available on New Motorcycles. Used Motorcycle Financing based on NADA Retail Value up to 100% of the Purchase Price.

Personal Loans*

Rates as of Thursday, January 17, 2019

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000Apply
Unsecured Personal Loans-$1500.00 Minimum Amount/$10,000.00 Maximum Amount.
4 Years12.990%12.990%$26.82


*APR= Annual Percentage Rate. The advertised rate includes a 0.25% discount for Automatic Payment from a PNCU Checking Account and is based on our Tier 1 Credit. Your actual rate may be higher based on your individual credit score. Payment examples above are based on longest term available. Subject to credit underwriting approval.


To be eligible for a loan, you must be a member of PNCU. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.
Polish National Credit Union
NMLS# 439259