Effective as of October 01, 2026
BUSINESS LOAN
| Loan Type | Term | Annual Percentage Rates | Monthly Payment Per $1,000 Borrowed for the first term payments based on Initial Rate | Monthly Payment Per $1,000 Borrowed for the remaining payments based on 30 year Amortization and Current Rate | |
|---|---|---|---|---|---|
| Mortgage Adjustable | 2 Year | 7.99% | 1, 2, 6 | $7.34 | $7.34 |
| Mortgage Adjustable | 5 Year | 8.69% | 1, 2, 6 | $7.48 | $7.83 |
| Mortgage Fixed | 5 Year | 8.45% | 2 | $20.50 | $7.66 |
| Mortgage Fixed | 10 Year | 8.75% | 2 | $12.54 | $7.88 |
| Mortgage Fixed | 15 Year | 8.99% | 4 | $10.15 | $8.05 |
| Auto, Machinery and Equipment | Up to 15 Years | 8.45% to 15.95% | 4 | $9.83 | $7.66 |
- Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years
- Mortgages available for:
- Refinance or purchase
- New York and New Jersey
- 1-4 family non-owner occupied
- Commercial
- Investment
- Vacant land, and
- Up to 80% of value
- Loans available for:
- Refinance, purchase, or cash out,
- New York,
- Fleet and
- Individual, and
- Up to 80% of value
- Up to 70%-90% of Value
- Based on credit, business, and cash flow
- 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 4.00% increase on the current interest rate listed.
Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.