Loan Rates

Consumer Loan Rates

* APR - ANNUAL PERCENTAGE RATE: "As low as" rates are based on credit history and term selected.

New and Used Auto Loans

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months (2010 to 2018 Model Years)1.99%
61 - 72 Months (2010 to 2018 Model Years)2.74%
73 - 84 Months (2014 to 2018 Model Years)3.74%
Up to 48 Months (2007 to 2009 Model Years)3.24%

APRs listed include a .25% discount for a loan to value of less than or equal to 80%. Vehicle mileage cannot exceed 125,000 miles. An Auto loan of $20,000 with a 5 year term at 1.99% APR results in 60 monthly payments of approximately $17.53 per $1,000 borrowed.

Used Auto Loans - 2006 Model Year and Older

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 48 Months5.62%

APR listed includes a .25% discount for a loan to value of less than or equal to 80%. Vehicles exceeding 125,000 miles will also fall into this loan category. Vehicle loan to value cannot exceed 90%. A Used Auto loan of $20,000 with a 4 year term at 5.62% APR results in 48 monthly payments of approximately $23.32 per $1,000 borrowed.

First Time Auto Buyer Loan

Rates Effective: November 1, 2017
Term and Model YearFixed APR*
Up to 60 Months (2010 to 2018 Model Years)6.24%

APR listed includes a .25% discount for a loan to value of less than or equal to 80%. Up to 90% loan to value financing is available. $15,000 maximum loan amount. A First Time Auto Buyer loan of $15,000 with a 5 year term at 6.24% APR results in 60 monthly payments of approximately $19.45 per $1,000 borrowed.

Fast Track Home Equity Loan

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 96 Months2.99%
97 - 144 Months3.29%

Low application fee of $300 applies.

$50,000 minimum loan amount. $424,100 maximum loan amount. 75% maximum loan to value ratio. Application fee is non-refundable. No additional rate discounts apply. Dutch Point must be in first lien position. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. Title insurance is required on loan amounts $100,000 and greater.

A Fast Track Home Equity loan of $85,000 with an 8 year term at 2.99% APR results in 96 monthly payments of approximately $11.73 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Home Equity Loan - 80% Loan to Value

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months2.99%
61 - 120 Months4.25%
121 - 180 Months5.00%
181 - 240 Months5.25%

APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position. Minimum loan amount conditions and loan to value conditions apply for 181 to 240 month loan terms. $10,000 minimum loan amount. $150,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. Title insurance is required on loan amounts $100,000 and greater.

A Home Equity loan of $25,000 with a 5 year term at 2.99% APR results in 60 monthly payments of approximately $17.97 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Home Equity Loan - 90% Loan to Value

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months4.75%
61 - 120 Months5.75%

APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position. $10,000 minimum loan amount. $50,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required.

A Home Equity loan of $25,000 with a 5 year term at 4.75% APR results in 60 monthly payments of approximately $18.76 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Home Equity Loan - 100% Loan to Value

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months6.00%
61 - 120 Months7.25%

APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position. $10,000 minimum loan amount. $25,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required.

A Home Equity loan of $15,000 with a 5 year term at 6.00% APR results in 60 monthly payments of approximately $19.34 per $1,000 borrowed.

Home Equity Line of Credit (HELOC) Loan - Variable Rate Based on Prime

Rates Effective: November 1, 2017
Current Rate
4.25% APR*

Maximum loan amount conditions and loan to value conditions may apply. $10,000 minimum loan amount. $350,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. Title insurance is required on loan amounts $100,000 and greater. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate, but it will not exceed 18.00% APR or be less than 3.25% APR. $35 annual fee.

Visa Platinum Credit Card

Rates Effective: November 1, 2017
APR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.9.24% - 17.99%

Personal Loans

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months9.25%
61 - 72 Months11.25%
73 - 84 Months12.25%

Minimum loan amount conditions apply for 61 to 84 month loan terms. A Personal Loan of $15,000 with a 5 year term at 9.25% APR results in 60 monthly payments of approximately $20.89 per $1,000 borrowed.

Home Improvement Loans

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months7.25%
61 - 72 Months9.25%
73 - 84 Months10.25%

Minimum loan amount conditions apply for 61 to 84 month loan terms. $25,000 maximum loan amount. A Home Improvement loan of $10,000 with a 5 year term at 7.25% APR results in 60 monthly payments of approximately $19.93 per $1,000 borrowed.

Freedom Line of Credit Loan

Rates Effective: November 1, 2017
TermFixed APR*
Open Ended - Line of Credit12.99%

$15,000 maximum loan amount. $50 annual fee.

New and Used Motorcycle Loans - 2012 and Newer Model Years

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months8.49%

Up to 100% loan to value financing is available. A Motorcycle loan of $10,000 with a 5 year term at 8.49% APR results in 60 monthly payments of approximately $20.52 per $1,000 borrowed.

Recreational Vehicle Loans

Rates Effective: November 1, 2017
TermAPR* as low as
Up to 60 Months8.49%
61 - 84 Months9.49%
85 - 120 Months10.49%

Recreational Vehicle must be a 2007 or newer model year. A Recreational Vehicle loan of $20,000 with a 5 year term at 8.49% APR results in 60 monthly payments of approximately $20.52 per $1,000 borrowed.

Overdraft Protection Loan

Rates Effective: November 1, 2017
TermFixed APR*
Open Ended - Line of Credit18.00%

$2,000 maximum loan amount. Checking account is required. $10 annual fee.

Share Secured Loan

Rates Effective: November 1, 2017
TermFixed APR*
Up to 60 Months3.05%

A Share Secured loan of $10,000 with a 5 year term at 3.05% APR results in 60 monthly payments of approximately $17.99 per $1,000 borrowed.

Certificate Secured Loan

Rates Effective: November 1, 2017
TermFixed APR*
Up to 60 MonthsCertificate Rate + 3.00%

A Certificate Secured loan of $5,000 with a 2 year term at 3.80% APR results in 24 monthly payments of approximately $43.34 per $1,000 borrowed.

Service, Convenience, Value

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