Hudson Valley Credit Union Loan Rates

Vehicles

Auto, Truck, Van, & Motorcycle Loans

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
New & Used (model year 2018 & newer)	Up to 125% of LTV	2.74%^{1 2}	N/A	Apply Online
Used (model year 2014 - 2017)	Up to 125% of LTV	3.54%^{1 2}	N/A	Apply Online
Used (model year 2011 - 2013 & vintage/classic vehicles 25 yrs+)	Up to 100% of LTV	5.94%^{1 2}	N/A	Apply Online

Boat & RV Loans

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
New Boat & RV (never titled, less than 5,000 miles)	Up to 90% of purchase price including accessories, sales tax, fees, & warranties	7.00%^{1 2}	N/A	Apply Online
Used Boat & RV	Up to 90% of book value	7.25%^{1 2}	N/A	Apply Online

Rates are accurate as of 02/20/2020 and are subject to change without notice. APR = Annual Percentage Rate

Personal Loans & Credit Cards

Visa Credit Cards ³

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
Visa Platinum Rewards	$30,000 maximum	N/A	13.75%¹	Apply Online
Visa Platinum	$30,000 maximum	N/A	12.75%¹	Apply Online
Visa Signature	$30,000 maximum	N/A	14.75%¹	Apply Online

Personal Loans

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
Readi-Cash Unsecured Line of Credit	Increments of $100 up to $30,000 maximum	N/A	9.24%^{1 2}	Apply Online
Signature (up to 12 months)⁴	$30,000 maximum	6.99%^{1 2}	N/A	Apply Online
Signature (13-36 months)⁴	$30,000 maximum	7.74%^{1 2}	N/A	Apply Online
Signature (37 to 60 months)⁴	$30,000 maximum	8.74%^{1 2}	N/A	Apply Online
Personal Assistance Loan (6 months)⁵	$200 minimum / $1,000 maximum	25.00%	N/A	Apply Through Internet/Mobile Banking

Rates are accurate as of 02/20/2020 and are subject to change without notice. APR = Annual Percentage Rate

Other Loans

Secured Loans

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
Pledge of Certificate Account	100% of certificate balance	ADR+3%⁶	N/A	Apply Online
Pledge of Savings	100% of savings balance	ADR+3%⁶	N/A	Apply Online
Savings Secured Line of Credit	Increments of $100 up to 100% of savings balance	N/A	ADR+3%⁶	Apply Online

Rates are accurate as of 02/20/2020 and are subject to change without notice. APR = Annual Percentage Rate

Home Equities

Variable Rate Interest Only Home Equity Lines of Credit ⁷

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
TLTV up to 80%, 0.00 Margin	$5,000 / $250,000	N/A	Introductory 1.99% for first six billing cycles; 4.50% thereafter^{1 2 8}	Apply Online
TLTV 80.01- 90%, 2.75 Margin	$5,000 / $250,000	N/A	Introductory 1.99% for first six billing cycles; 7.25% thereafter^{1 2 8}	Apply Online
TLTV 90.01-100%, 2.75 Margin	$5,000 / $100,000	N/A	Introductory 1.99% for first six billing cycles; 7.25% thereafter^{1 2 8}	Apply Online

Flex Lock Home Equity Line of Credit ⁷

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
TLTV up to 80%, .50 Margin	$5,000 / $250,000	N/A	5.00%^{1 2}	Apply Online
TLTV 80.01- 90%, 3.25 Margin	$5,000 / $250,000	N/A	7.75%^{1 2}	Apply Online
TLTV 90.01- 100%, 3.25 Margin	$5,000 / $100,000	N/A	7.75%^{1 2}	Apply Online

Fixed Rate Home Equity Loans ⁷

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
To 84 Months TLTV up to 80%⁹	$5,000 / $250,000	4.75%^{1 2}	N/A	Apply Online
To 84 Months TLTV 80.01%-90%⁹	$5,000 / $250,000	5.60%^{1 2}	N/A	Apply Online
To 84 Months TLTV 90.01%-100%⁹	$5,000 / $100,000	7.25%^{1 2}	N/A	Apply Online
85 to 120 Months TLTV up to 80%⁹	$5,000 / $250,000	4.85%^{1 2}	N/A	Apply Online
85 to 120 Months TLTV 80.01%-90%⁹	$5,000 / $250,000	5.85%^{1 2}	N/A	Apply Online
85 to 120 Months TLTV 90.01%-100%⁹	$5,000 / $250,000	7.25%^{1 2}	N/A	Apply Online
121 to 180 Months TLTV up to 80%⁹	$5,000 / $250,000	5.00%^{1 2}	N/A	Apply Online
121 to 180 Months TLTV 80.01%-90%⁹	$5,000 / $250,000	6.00%^{1 2}	N/A	Apply Online
121 to 180 Months TLTV 90.01%-100%⁹	$5,000 / $100,000	7.25%^{1 2}	N/A	Apply Online
181 to 240 Months TLTV up to 80%⁹	$5,000 / $250,000	5.25%^{1 2}	N/A	Apply Online
181 to 240 Months TLTV 80.01%-90%⁹	$5,000 / $250,000	6.59%^{1 2}	N/A	Apply Online
181 to 240 Months TLTV 90.01%-100%⁹	$5,000 / $100,000	7.25%^{1 2}	N/A	Apply Online

Solar Panel Loans

Account	Minimum / Maximum Financing	Fixed APR	Variable APR	Apply
180 month loan LTV up to 125%¹⁰	$30,000 maximum	6.25%^{1 2}	N/A	Apply Online

Rates are accurate as of 02/20/2020 and are subject to change without notice. APR = Annual Percentage Rate

RATES DISCLOSURES

1 Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle loans, the selected term for home equity loans, and on the total amount financed for home equity loans and home equity lines of credit, and the selected term for signature loans. Total amount financed, term, and use of either MSRP or factory invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book values for used vehicles. Total amount financed for home equity loans and home equity lines of credit is based on an evaluation of applicant credit, appraised value, and existing liens (LTV). Your rate and total amount financed may vary from the stated rate and maximum financing.

Variable rates are subject to increase. The maximum APR is 18%.

LTV=Loan to Value. TLTV(Total Loan to Value) is a total of all liens, including the requested amount divided by the appraised value.

ADR= Annual Dividend Rate

2 The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.

3 The fee for cash advances is 2% of advance amount. The fee for international transactions for the Visa Platinum Card is equal to the exchange rate + 1% of the transaction. Visa Signature Card has no foreign transaction fee.

4 As an example, a 5-year, 12.24% fixed rate signature loan for $15,000 would result in 60 monthly payments of $343.14.

5 As an example, a 6-month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03. Your actual payment may be higher. Rate is based on member's relationship with HVCU. An application fee of $20 is charged for every PAL application, whether or not the loan is approved.

6 ADR=Annual Dividend Rate

7 Homeowner’s insurance required. Loans and lines of credit over $150,000 also require title insurance.

8 The introductory rate will be in effect the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable Rate.

9 As an example, a $100,000, 180-month term with 80% LTV at a fixed rate of 5.25% APR would result in an estimated payment of $803.88. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.

10 As an example, a $30,000 180-month solar panel loan with a fixed rate of 6.50% APR would result in an estimated payment of $261.33. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.