![]() ![]() Payment does not include property taxes/insurances actual payment will be higher. A loan amount of $200,000 at an interest rate of 5.625% and APR of 5.741% has a payment of $1,151.31 with 0.5 point due at closing. Mortgage rates current as of Septemand assumes a 30-year fixed-rate purchase or refinance of a detached, owner occupied property with loan to value ratio of 80% and credit score of 740. Mortgage must be between $40,000 and $647,200 to be eligible. All offers and rates effective Octoand subject to change at any time.ħ To receive waived valuation fee, you must apply by Decemand loan must close to receive refund of valuation cost. Advantage Bucks do not carry over to the next month.Ħ Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs) will be applied for the full term of the CD held. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. ![]() Members may hold multiple Checking shares, however promotional rate will be paid on first Regular or Assurance Checking share ID only.ĥ A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus status. Dividend rate premium not eligible on balances held in Money Market Checking. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Combined discounts may not go below floor rate at time of loan offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards.Ĥ Annual Percentage Yield to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus up to $5,000. No more than 50% of aggregate refinanced loan amount may be currently held with Advia.Ģ Interest begins to accrue at the time of disbursement.ģ Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. See the Overdraft Transfer Services page for more details.1 Annual Percentage Rate of 11.00% for 24 or 36 months is for new Advia loans and loans transferred from outside institutions into a $2,500+ Signature Loan. Transfers can be made up to 100% of the unused line of credit plus $200. The index rate for this product cannot be less than 6.75%.Ħ Overdraft transfers made from an Open-End Signature loan are considered loan advances. The index is the 26-week Treasury Bill rate set on or after the 15th day of the second month of the previous calendar quarter adjusted up to the nearest 0.25%. APR is the cost over the loan term expressed as a rate.ĥ The APR is calculated by adding the index rate to the loan margin. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.Ĥ APR = Annual Percentage Rate. 1 To advance funds, you must have agreed to the terms of our Online Services Agreement, and your loan must be accessible through your online services and authorized to perform online loan advances.Ģ The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%.ģ Members must be 18 years of age or older to be eligible for lending services.
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