Home Equity Loan Rates

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 PLUS6.50%
HELOC Advantage7.00%

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%
A5.50%5.75%6.00%6.50%
B6.25%6.50%6.75%7.25%
C7.00%7.25%7.50%8.00%
D8.50%8.75%9.00%9.50%
E8.75%9.00%9.25%9.75%

Basic and Special Home Improvement Loans

APR*
A+6.50%
A6.75%
B7.50%
C8.25%
D9.75%
E10.00%

*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