Rates Effective as of February 2012 SEE OUR LOAN SPECIALS ON THE HOME PAGE! CALL JAIME or HEATHER @ 804-452-2480 TO SEE IF WE CAN SAVE YOU SOME MONEY TODAY!!!     Secured New Vehicle Loans  Application and Approval Are Required.  The dealer's sales contract or invoice must accompany your loan application. Loan may include taxes, tags, etc. Term 95% Financed 100% Financed Up to 60 months 3.99 % APR 4.50 % APR Longer terms are available at a higher APR on New Vehicles; call Jamie or Heather @ 804-452-2480! Secured Used Vehicle Loans  The dealer's sales contract or invoice must accompany your loan application. If from a private individual , the Credit Union must see the vehicle. Maximum amounts loaned will be the current NADA Retail Value. TERM  (months) YEAR OF VEHICLE RATE (apr) Up to 60 Vehicle 1-2 years 5.25% Up to 60 Vehicle 3-4 years 6.99% Up to 48 Vehicle 5-6 years 7.99% Up to 36 Vehicle 7 years or older 8.99% *apr = Annual Percentage Rate      Secured New and Used Recreational Vehicle Loans (boats, trailer, campers, etc.) The dealer's sales contract or invoice must accompany your loan application. TERM  (months) AMOUNT RATE (apr) New Up to 72 100% of the purchase price including taxes, tags etc 6.99% Months to fall under used vehicle terms 100% of appraisal or purchase price, including taxes, tags 8.99% (under 5 Years old) Months to fall under used vehicle terms 100% of appraisal or purchase price, including taxes, tags 10.99%  (over 5 Years old) Secured Tractor & Accessories Loans Age of Tractor/Acc. TERM  (months) AMOUNT RATE (apr) New to 5 years Up to 60 100% of appraised value 7.99% Over 5 years Up to 48 100% of appraised value 9.99%      Share Secured Loans These loans are fully secured by Credit Union shares (savings) owned by a member.   TERM  (months) AMOUNT RATE (apr) New Up to 120 May borrow up to the full amount of shares (savings) 4.99% 50% Share Secured Loans These loans are 50% secured by Credit Union shares (savings) owned by a member, with a $4,000.00 unsecured maximum limit. TERM  (months) AMOUNT RATE (apr) Up to 60 May borrow up to the full amount of shares (savings) with a $5,000.00 unsecured maximum limit 7.99%   Share Certificate Secured Loans These loans are fully secured by Credit Union Share Certificates owned by the borrower. TERM  (months) AMOUNT RATE (apr) Up to 60 May borrow up to the full  amount of the share certificates Share Certificate rate plus 3.00% with a minimum rate of 6.00% Signature Loans TERM  (months) AMOUNT RATE (apr) Up to 24 Up to $5,000.00 13.50% Up to 36 Up to $5,000.00 14.50% First Mortgage Loans We understand that it's not just a house, it's your home. Your Credit Union is proud to partner with Members Mortgage Solutions to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the Mortgage Industry, our dedicated team stands ready to assist each and every step of the way. You can trust us to find the loan program that is best for you; whether you are buying a New Home or Refinancing your current mortgage. We are now offering Reverse Mortgages (also called home equity conversion loans) which will enable our elderly homeowners to tap into their equity without selling their home.  Call Jaime at 804-452-2480 or start your online application with Member Mortgage Solutions @  http://mmslending.com/hopewellchemicalFCU.  Second Mortgage Loans Hopewell Chemical FCU offers a closed-end second mortgage loan secured by a second lien against the owner-occupied property. This fast, minimal closing and recording fee loan also has a fixed rate. Our unique calculation for home value lets you get more money out of your home without an appraisal. For more information, please contact the loan department at (804) 452-2480.