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Your savings federally insured to at least $250,000 and
			backed by the full faith and credit of the United States Government

NCUA Insurance Toolkit
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender

Form 1099-INT Form 1099 INT Instructions

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Rates

LOAN ANNUAL PERCENTAGE RATES AND INFORMATION AS OF SEPTEMBER 2015
Loan Types Annual
Percentage
Rates
Terms in Months Loan Maximum Available Minimum Documents Required
Unsecured 5.99%(Credit score 650+)
10.99%(Credit score <650)
Up to 84 Up to $25,000 1
100% of Savings/Certificate 2.5 % Above rate on Savings/Certificate Up to 60 100% of Savings/Certificate (not incl. IRA Certificates) Loan application
75% of Savings/Certificate 4.99% Up to 60 25% above Savings/Certificate not to exceed $4,000 above Savings/Certificate (not incl. IRA Certificates) Loan application
New Auto 2.99% 12 80% of Purchase price (Up to 100% available) 2
New Auto 2.99% 24 80% of Purchase price (Up to 100% available) 2
New Auto 2.99% 36 80% of Purchase price (Up to 100% available) 2
New Auto 3.99% 48 80% of Purchase price (Up to 100% available) 2
New Auto 3.99% 60 80% of Purchase price (Up to 100% available) 2
New Auto 4.99% 72-84 80% of Purchase price (Up to 100% available) 2
Used Auto 3.99% Up to 36 Subject to price in Red Book 2
Used Auto 4.99% 37-60 Subject to price in Red Book 2
Used Auto 6.99% 72-84 Subject to price in Red Book 2
Used Auto 1.99% 70% Financing & up to 36 months Subject to price in Red Book 2
Used Auto 2.50% 70% Financing & 37-60 months Subject to price in Red Book 2
New or Used Boat 8.95% Up to 36 balloon notes up to 15 years amortization 70% of appraised or purchased value 2
Mitchell-Lama Co-op Equity 5.99% Up to 36 75% of value 3
Mitchell-Lama Co-op Equity 6.49% 37-60 75% of value 3
Mitchell-Lama Co-op Equity 7.99% 61-84 > $25,000.00 75% of value 3
Mitchell-Lama Co-op Equity 9.25% 85-120 > $50,000.00 75% of value 3
Cooperative Equity 5.99% Up to 36 Up to $15,000.00 4
Cooperative Equity 6.49% 37-60 Up to $15,000.00 4
Business Loans <$50,000- 6.00% to 15.00% Up to 180 Up to 80% of value 4
  1. Loan application & pay stub(s) 15% balance secured in savings (cosigner may be required)
  2. Loan application, pay stub(s), purchase order or bill of sale, proof of full coverage insurance with a $500.00 deductible listing Credit Union as lien holder/loss payee
  3. Loan application, pay stub(s), current year tax return, value/ownership letter and approval letter (if new purchase) from Housing Corporation
  4. Loan application, pay stub(s), current year tax return
  • Borrowers with negative credit, including but not limited to: late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 2.00% interest rate increase on the current annual percentage rate listed.
  • Interest rates and terms are subject to change; please contact our loan department for current offers. Some loans require fees as listed on our current fee schedules.

Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.

RESIDENTIAL MORTGAGE LOAN ANNUAL PERCENTAGE RATES AS OF SEPTEMBER 1, 2015
Loan Type Term Annual
Percentage
Rates
Mortgage Adjustable 2 Year 3.85% 1, 2, 3
Mortgage Adjustable 5 Year 4.85% 1, 2, 3
Mortgage Adjustable 8 Year 5.25% 1, 2, 3
Mortgage Adjustable 15 Year 5.75% 1, 2, 3
Mortgage Fixed 5 Year 4.50% 1, 2
Mortgage Fixed 10 Year 5.50% 1, 2
Mortgage Fixed 15 Year 5.65% 1, 2
  1. Notes can be refinanced/modified and amortized up to 30 years
  2. Mortgages available for:
    1. Refinance or purchase
    2. New York and New Jersey
    3. 1-4 family owner occupied
    4. Vacation
    5. Secondary residence
    6. Vacant land for new home
    7. Up to 80% of value
    8. Coop up to 75% of value, and
    9. Condo up to 75% of value
  3. Rates and terms are based on Consumers FCU posted rates Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years
  • Borrowers with negative credit, including but not limited to: late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 2.00% interest rate increase on the current annual percentage rate listed.
  • Refinance of credit union loans to only lower annual percentage rate, require 1.50 points & a $250.00 fee
Business Loan Annual Percentage Rates as of September 1, 2015
Loan Type Term Annual
Percentage
Rates
Mortgage Adjustable 2 Year 4.85% 1, 2, 6
Mortgage Adjustable 5 Year 5.45% 1, 2, 6
Mortgage Adjustable 8 Year 6.45% 1, 2, 6
Mortgage Adjustable 15 Year 7.45% 1, 2, 6
Mortgage Fixed 5 Year 5.25% 2
Mortgage Fixed 10 Year 5.95% 2
Mortgage Fixed 15 Year 6.95% 2
NYC Taxi Medallion Balloon 3 Year 3.25% 3
NYC Taxi Medallion Balloon 5 Year 3.50% 3
NYC Taxi Medallion Fixed 7 Year 3.75% 3
NYC Taxi Medallion Fixed 10 Year 4.00% 3
NYC Taxi Medallion Fixed 15 Year 4.50% 3
Auto, Machinery and Equipment Up to 15 Years 7.75% 4
Unsecured Up to 15 Years 8.25% 5
  1. Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years
  2. Mortgages available for:
    1. Refinance or purchase
    2. New York and New Jersey
    3. 1-4 family non-owner occupied
    4. Commercial
    5. Investment
    6. Vacant land, and
    7. Up to 80% of value
  3. Loans available for:
    1. Refinance, purchase, or cash out,
    2. New York,
    3. Fleet and
    4. Individual, and
    5. Up to 80% of value
  4. Up to 70% of Value
  5. Based on credit, business, and cash flow
  6. Rates and terms are based on Consumers FCU posted rates Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years

Borrowers with negative credit, including but not limited to: late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 2.00% interest rate increase on the current annual percentage rate listed.

Savings Account Rates as of September 2015
Account Type Required on Deposit Dividend Rate Paid APY
Savings Share Accounts Under $25,000.00 0.15% 0.15%
Savings Share Accounts Over $25,000.00 0.55% 0.55%
Checking Accounts N/A 0.15% 0.15%
IRA Savings Accounts N/A 0.65% 0.65%
Club Accounts N/A 0.10% 0.10%
  • APY = Annual Percentage Yield
  • Rates subject to change at any time.
Certificate Account Rates as of September 2015
Certificate Type (Term) Required On Deposit APR APY
1 Year (12 months) $500.00 0.85% 0.85%
2 Year (24 months) $500.00 1.35% 1.36%
3 Year (36 months) $500.00 1.55% 1.56%
5 Year (60 months) $500.00 2.35% 2.37%
  • APY = Annual Percentage Yield
  • Rates subject to change at any time.
  • The penalty for early withdrawal on Certificates is 90 days simple interest at the Certificate rate.
  • Partial or full redemptions for required distributions may not be subject to the "90 days interest" penalty.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Additional Information and Fees

The fee schedule is available on the TIS Disclosure page.

NMLS Information

 
  • Consumers Federal Credit Union #489381
  • Anna Carbone #493986
  • Kamilla Vainshtok #1057288
  • Stephen Jacoby #875551