Loans - Franklin-Somerset Federal Credit Union

Consumer Loan Rates

 | Rates Effective 01/04/2010

Loan Type

Term

APR

New Vehicles	Up to 60 months	Starting at 5.00%
	Up to 72 months	Starting at 6.25%

Used Vehicles
2010 - 2007	Up to 60 months	Starting at 5.00%
2006 - 2003	Up to 48 months	Starting at 6.125%
2002 and older	Up to 36 months	Starting at 7.50%

New (off road) Recreational Collateral

Up to 48 months

Starting at 6.75%

                    Used (off road) Recreational Collateral

                    Up to 36 months 

                    Starting at

						7.25%

New Recreational Collateral	Up to 48 months	Starting at 6.00%
	Up to 120 months (Minimum $10,000)	Starting at 6.99%

Used Recreational Collateral	Up to 48 months	Starting at 7.50%
	Up to 120 months (Minimum $10,000)	Starting at 8.50%

New Equipment	Up to 48 months	Starting at 9.50%
	Up to 84 months ($20,000 minimum loan)	Starting at 10.75%

Used Equipment	Up to 48 months	Starting at 11.00%
	Up to 60 months ($20,000 minimum loan)	Starting at 11.50%

New Mobile Home

15 years

9.25%

                    Used Mobile Home (No older than 1977) 

                    10 years 

                    10.50%

Share/Share Certificate Secured

Not to exceed term on certificate or 1 year on share accounts

**APR of Deposit + 3.00%

                    Overdraft Protection

                    16.00%

Line of Credit

Starting at *Prime + 4.00%
Floor rate of 12%

Personal (Signature) Loans	Up to 12 months	Starting at 8.625%
	Up to 24 months	Starting at 10.625%
	Up to 36 months	Starting at 13.625%
	Up to 48 months	Starting at 14.625%

                    Home Equity Line of Credit 

                    Starting at

						3.25%

Mortgages	Up to 10 years	Starting at 4.95%
Mortgages	Up to 15 years	Starting at 5.125%

Click here to securely apply for a loan on-line

*Current Prime Rate: 3.25%
**Share/Share Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus 3.0%. Please contact the credit union for further details.