The tables below indicate our interest rates for A+, A, B, C, D, & E credit for home loan products. The bottom of this loan rate sheet contains a chart showing our FICO Credit Score Rating Guide.
Variable Home Equity Line of Credit Loans**
| APR* | |
|---|---|
| HELOC PLUS | 6.50% |
| HELOC Advantage | 7.00% |
Fixed Rate Home Equity Loans
| < 48 Mos. APR* | 49 - 84 Mos. APR* | 85 - 120 Mos. APR* | 121 - 180 Mos. APR* | |
|---|---|---|---|---|
| A+ | 5.25% | 5.50% | 5.75% | 6.25% |
| A | 5.50% | 5.75% | 6.00% | 6.50% |
| B | 6.25% | 6.50% | 6.75% | 7.25% |
| C | 7.00% | 7.25% | 7.50% | 8.00% |
| D | 8.50% | 8.75% | 9.00% | 9.50% |
| E | 8.75% | 9.00% | 9.25% | 9.75% |
Basic and Special Home Improvement Loans
| APR* | |
|---|---|
| A+ | 6.50% |
| A | 6.75% |
| B | 7.50% |
| C | 8.25% |
| D | 9.75% |
| E | 10.00% |
*APR = Annual Percentage Rate.
**View disclosures for more information.
Variable Home Equity Line of Credit Loans Disclosure
NMLS#629493
FICO Credit Score Rating Guide
Cumberland County FCU’s rate advantage lending program is designed to help all our members with very competitive rates. For those members with excellent credit; rate advantage lending gives you a lower interest rate the better your credit. For our member with some credit issues; rate advantage lending allows the credit union to approve more loans, although at a slightly higher rate.
The tables above indicate our interest rates for A+, A, B, C, D, & E credit for our various consumer loan products. Below is a chart showing our FICO credit score rating guide.
If you have serious credit issues please consider your credit union.
FICO Scoring Range
| A+ | 750 Plus |
| A | 680-749 |
| B | 640-679 |
| C | 600-639 |
| D | 550-599 |
| E | 549 & below |