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SAFE Credit Union
Rates & Disclosures SAFE Rates

SAFE Rates

 
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Equity Loan Rates & Disclosures

Rates effective as of

Rates and terms are subject to change without notice. The rates below are for informational purposes only. Not all borrowers will qualify for all rates. All loans subject to membership eligibility and credit approval. We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act. Call SAFE for pre-qualification or for more information toll free at 1-800-SEE-SAFE. Log on to SAFE's website at www.safecu.org for current rates or to apply for a loan online.

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Variable Rate Home Equity Line of Credit (HELOC)1
 
 
Maximum Combined LTV
Maximum Loan Amount
Rate
APR Range2
Margin Range
Monthly Payment3
Fees
Primary Residence
1st or 2nd Mortgage
80%
$10k - $500k4
-
-
.59% - 4.09%
Minimum of $75
-0-5
Second Home
1st or 2nd Mortgage
75%
$10k - $300k
-
-
1.09% - 4.59%
Minimum of $75
-0-5
1 HELOC has a 15-year draw period and then a 15-year repayment period. Not eligible for a 2nd mortgage if the 1st mortgage has a negative amortization feature.
2 APR (Annual Percentage Rate) is based on Prime Rate as published in the Wall Street Journal, Western Edition plus a margin. Maximum APR is 15.00% for Primary Residence, Second Home and Mortgage/HELOC Purchase Combo.
3 Fully amortized principal and interest payment recalculated monthly.
4 For loan amounts greater than $150,000, maximum combine LTV (loan-to-value) cannot exceed 75%.
5 No annual fee. Cash-Out and Refinances: If loan closed within 3 years, waived closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing.
6 Closing costs range from $500 to $1600 due at closing. Closing costs may not be apply to a single family residence or condominium depending on loan amount.
7 Purchase only: Borrower paid closing costs range from $500 to $1600.

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Variable Rate HELOC with Fixed Rate Option1
  Variable Rate HELOC with Fixed Rate Option1
Maximum Combined LTV
Maximum Loan Amount
Fixed Option Period
Rate
Fixed Option APR Range2
Margin Range
Monthly Payment3
Fees
Primary Residence
1st or 2nd Mortgage
80%4
$10k - $500k4
36 months
60 months
-
-
-
-
0.84% - 4.34%
1.34% - 4.84%
Minimum of $75
-0-5
Second Home
1st or 2nd Mortgage
75%
$10k - $300k
36 months
60 months
-
-
-
-
1.34% - 4.84%
1.84% - 5.34%
Minimum of $75
-0-5
1 HELOC has a 15-year draw period and then a 15-year repayment period. Not eligible for a 2nd mortgage if the 1st mortgage has a negative amortization feature.
2 APR (Annual Percentage Rate) is based on Prime Rate as published in the Wall Street Journal, Western Edition plus a margin. APR is fixed for the first 36/60 months, thereafter the APR will be variable and based on the Prime Rate as published in the Wall Street Journal, Western Edition plus the Margin. Maximum APR is 15.00% for Primary Residence, Second Home and Mortgage/HELOC Purchase Combo.
3 Fully amortized principal and interest payment recalculated monthly.
4 For loan amounts greater than $150,000, maximum combine LTV (loan-to-value) cannot exceed 75%.
5 No annual fee. Cash-Out and Refinances: If loan closed within 3 years, waived closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing.
6 Closing costs range from $500 to $1600 due at closing. Closing costs may not be apply to a single family residence or condominium depending on loan amount.
7 Purchase only: Borrower paid closing costs range from $500 to $1600.

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You may scroll table to the right to view complete rate information.
Fixed Rate Equity Loan1
Property Type - Single Family Residence, Condo, Planned Unit Development
Owner OccupiedMaximum Combined
LTV		Maximum Loan Amount21st Lien Rate1st Lien APR31st Lien Estimated Payment per $10002nd Lien Rate2nd Lien APR32nd Lien Estimated Payment per $1000Fees
10 Years%4Up to $150k% - %% - %$- $% - %% - %$- $-0- 5
15 Years % - %$- $% - %% - %$- $
20 Years % - %$- $% - %% - %$- $
1 Not eligible for a 2nd mortgage if the 1st mortgage has a negative amortization feature.
2 Maximum loan amount is based on credit score.
3 APR = Annual Percentage Rate. Rate is fixed for the life of the loan.
4 LTV = Loan to Value. Loan to Value is based on credit score.
5 No annual fee. Cash-Out and Refinances: If loan closed within 3 years, waived closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing.

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Land and Lot Loan
Property Type - Residential Use up to 10 Acres, Purchase Only
Product Maximum Combined LTV1Maximum Term Rate APR Range2 Points Fees Additional Requirements
Fixed Rate Loan%15 Yrs% - %% - %
-0-$900 + Closing Fees$50,000 minimum loan amount. Paved road & utilities must be available to the property.  Must be a member in good standing for minimum 6 months.
1 60% max LTV up to 10 acres.
2 Payment at 8.97% APR for 180 months is $9.70 per $1,000 borrowed.

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NMLS #466072
Equal Lending Opportunity
 
 

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