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Home Equity Rates

Info and/or TermsAPR*
Home Equity Line of Credit**
4.0% Floor
5 Year draw period with repayment followed by a 10 year repayment period
as low asPrime + 0.00%
10 Year Fixed Term, 75% Loan To Value (LTV)
Minimum Loan Amount $10,000
as low as5.50%
20 Year Fixed Term, 100% Loan To Value (LTV)
Minimum Loan Amount $10,000
as low as6.50%
*APR: Annual Percentage Rate. Home Equity Line of Credit: APR is calculated based on the highest Prime Rate published in the Wall Street Journal (the "Index") as of the more recent calendar date of January 1st or July 1st in the current calendar year, plus a margin of 0.00% to 1.50%. 75% loan to value maximum, minimum line amount of $10,000. To determine the periodic rate that will apply to the plan, we will subtract a margin of 0.000% from the value of the index. The APR will never increase by more than 2% during a physical year, and your APR will never go below 4.00% during the remaining term of the plan. All loans are subject to credit approval. Rate, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify. Loan-to-value restrictions apply. Listed rates are terms are accurate as of July 1st, 2019 and are subject to change without notice. Membership Required.*Home Equity Loans: All loans are subject to credit approval. Rate, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify. Loan-to-value restrictions apply. Membership Required.

Personal Loan Rates

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

**Signature Loan amount minimum is $500.

Info and/or TermsAPR*
Signature** Closed End Loan
Up to $20,000
Up to 60 months
as low as8.99%
Short Term Personal Loan
Up to $500
Up to 6 Months
as low as18.00%

New Vehicle Loan Rates

Current Year or Previous Year (6,000 miles maximum or never titled)
Finance up to 125% of Purchase Price or MSRP, whichever is less

*APR = Annual Percentage Rate. 0.50% off current rate. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. This rate offer is valid for all terms up to 60 months. Rates are subject to change without notice, and are based on credit worthiness and terms. Financing for qualified Hudson River Financial Federal Credit Union members. Offer valid for new or used auto loans financed with Hudson River Financial FCU or auto loans refinanced with Hudson River Financial FCU from 12/1/19 – 12/31/19. No cash advances. Offer cannot be combined with any other offer, and is not valid on previous loans financed with the Credit Union. Complete loan details available at the Credit Union upon request.

Info and/or TermsAPR*
Up to $75,000
48 Months
as low as1.99%
Up to $75,000
60 Months
as low as2.49%
$20,000 Up to $75,000
72 Months
as low as2.99%

Used Vehicle (2014 or Newer) Loan Rates

2014 or Newer

*APR = Annual Percentage Rate. 0.50% off current rate. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. This rate offer is valid for all terms up to 60 months. Rates are subject to change without notice, and are based on credit worthiness and terms. Financing for qualified Hudson River Financial Federal Credit Union members. Offer valid for new or used auto loans financed with Hudson River Financial FCU or auto loans refinanced with Hudson River Financial FCU from 12/1/19 – 12/31/19. No cash advances. Offer cannot be combined with any other offer, and is not valid on previous loans financed with the Credit Union. Complete loan details available at the Credit Union upon request.

Info and/or TermsAPR*
Up to $75,000
48 Months
as low as1.99%
Up to $75,000
60 Months
as low as2.49%
$20,000 Up to $75,000
72 Months
as low as2.99%

Used Vehicle (2010 to 2013) Loan Rates

Finance Up to 125% Purchase Price or NADA retail value, whichever is less.

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

Info and/or TermsAPR*
Up to $75,000
Maximum Term Depends On Vehicle Age
as low as4.75%

Classic Vehicle Loan Rates

No Age Limit

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
as low as4.75%

New Motorcycle Loan Rates

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
Finance Up to 100% of Purchase Price or MSRP, whichever is less.
as low as6.75%

Used Motorcycle Loan Rates

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
as low as7.25%

New & Used Boat Rates

Finance Up to 100% of Purchase Price or 100% of published retail value, whichever is less

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

Info and/or TermsAPR*
New Boat
Up To $75,000
120 months
as low as6.75%
Used Boat
UP To $75,000
120 months
as low as7.00%

Share Secured & Certificate Secured Loan Rates

Maximum Loan Amount cannot exceed 100% of pledged account balance. All Share and Certificate Secured Loans are for qualified borrowers.

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

** IRA Certificate Accounts are excluded as collateral for Certificate Secured Loans.

Info and/or TermsAPR*
Shared Secured
$300 Up to $250,000
Up to 36 months
as low asShare Rate +3.00%
Shared Secured
$300 Up to $250,000
Up to 72 months
as low asShare Rate +4.00%
Shared Secured
$300 Up to $250,000
Up to 120 months
as low asShare Rate +5.00%
Certificate Secured**
$300 Up to $250,000
Certificate Term
as low asCD Rate +3.00%