All rates subject to change without notice. All rights reserved. The APR will not vary above 15% APR. Getting a fixed-rate loan gives borrowers a consistent monthly payment that remains the same for the duration of the loan. The VPR is subject to change monthly. Margins range from 4.00% to 3.00%. Summit Credit Union offers competitive RATES for all its savings and loan options! The minimum APR for a Personal Line of Credit is 10.00% (Floor). Closing costs range from $165-$313 unless appraisal or title insurance fees are required. Minimum fixed rate loan amount of $5,000 applies. Minimum loan amount of $5,000 applies. Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed). Rates may change after account is opened. The minimum APR is 3.99%-5.49% (Floor). At Summit, we'll help you find the best mortgage rate or home loan option for your finances. The rates shown are the best rates available. Offer subject to change without notice.-. Other promotional rates will apply for loans with a higher loan-to-value. Watching rates? The Credit Union is not responsible for any such third-party content. Closing costs range from $165-$313 unless appraisal or title insurance fees are required. Repayment terms of 2% of outstanding balance or $25, whichever is greater. Fixed rates reflect a discount for electronic payments and an established Summit Credit Union checking account. Please read the following before proceeding to: The website you are about to visit is solely the responsibility of the merchant or other party providing the site. What is the size of your family? Summit Credit Union of North Carolina provides money-saving products, including competitive CD rates, checking accounts, and savings accounts. Prime Rate as of 03/15/2020 is 3.25%. The Prime Rate as of 03/15/2020 is 3.25%. Minimum fixed rate loan amount of $5,000 applies. The charge for title insurance is typically $350. Lock-in feature allows up to five fixed rate amounts at any one time. The minimum APR is 4.49% - 5.99% (Floor). Application must be received between December 1, 2020 and December 31, 2020. Balances on All Credit Cards State Property Located In. You must be a member of … 1 APR is Annual Percentage Rate. Simply submit your email address below and we’ll send you a message when this rate has changed. 3 VPR is Variable Periodic Rate. 2 VPR is Variable Periodic Rate. For applicants who plan to keep their homes for several years and lock in a low mortgage rate or refinance their loan, a fixed-rate loan from Summit Credit Union may make the most sense. Calculate. 3 VPR is Variable Periodic Rate. The APR may increase after loan closing if an electronic payment is discontinued. Rate Information: The dividend rate and annual percentage yield may change at any time as determined by credit union management. Your financial partner to help you turn wishing, waiting and wondering into planning, doing and experiencing. Existing Home Equity Lines of Credit limit must increase by a minimum of $5,000 to qualify for the introductory rate. Ready to Start? Click on the View all rates and disclosures link for details. Loan Rates. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. For the improvements you’ve always wanted. Minimum loan amount is $100. Fees may reduce earnings. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. Rates reflect a discount for electronic payments and an established Summit Credit Union checking account. The current offered rate 3 will be between 2.99% and 7.99% APR. The rate without electronic payment and established Summit checking will be higher. Learn more today. New SFCU loans only. Menu. Menu. Save yourself some time by subscribing to Summit’s rate alerts. The Variable Periodic Rate is Prime Rate as published in the Wall Street Journal or Prime Rate plus or minus a margin. Monthly minimum periodic payments made during the end of draw repayment period may not fully amortize the remaining balance of the line of credit at the maturity of the 30-year mortgage. Secure Home Banking 24 . Last Name . Not responsible for typographical errors. After the 12-month introductory rate period the rate will revert to Prime Rate or Prime Rate plus or minus a margin and will never fall below the floor rate which ranges from 3.99% to 5.49%. Rates may change after account is opened. Rates subject to change but the APR will not vary above 15% APR. Monthly automatic deposit required. Share Certificate Rate Schedule. *Annual Percentage Rate (APR) varies depending on your credit history. The Variable Periodic Rate is Prime Rate as published in the Wall Street Journal plus a margin. Minimum credit score of 651 or more to qualify for promotional rate. Your rate may vary based upon your creditworthiness and repayment option. 2 Monthly payment for fixed rate is based upon payment per $1,000 for term and rate shown above. 2 Monthly payment amount is based on payment per $1,000 for term and rate shown above. The payments listed do not include amounts for taxes and insurance and if included the actual payment obligation will be greater because of these additional payments. Get started with no closing costs^ and no or low down payment options.**. Other promotional rates will apply for loan with a higher loan-to-value. Your rate may vary based upon your creditworthiness and loan-to-value. *Rate and payments may increase after a specified amount of time. Summit Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and … After the 12-month introductory period the rate will revert to Prime Rate plus a margin and will never fall below the floor rate which ranges from 4.49% - 5.99%. Minimum fixed rate loan amount of $5,000 applies. Home Equity Rates. Monthly minimum periodic payments made during the end of draw repayment period may not fully amortize the remaining balance of the line of credit at the maturity of the 30-year mortgage. Latest News & Promotions * indicates required. Lock-in feature allows up to five fixed rate amounts at any one time. Maximum loan amount is $399,999. Margins range from 5.50% to 0.50%. Minimum loan amount is $1,000. The Summit is not responsible for its products, services, or overall website content. Minimum loan amount for a Personal Line of Credit is $1,000. All its savings and loan options -0.50 %.Your actual variable periodic rate is Prime rate published. 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