Rates

Fixed Rate Home Equity Line of Credit  
This table represents Fixed Rate Home Equity Line of Credit loans and their specifics. The first column is the term. The remaining columns represent the Annual Percentage Yield, the position requirement and loan to value maximum, and the draw period.
Term APR1 Positions/LTV2 Draw Period
 3  % 1st / 60% LTV 5 years
 3  % 1st / 60% LTV 5 years
 3  % 1st / 60% LTV 5 years
 3  % 2nd / 60% LTV 5 years
 3  % 2nd / 60% LTV 5 years
 3  % 2nd / 60% LTV 5 years
Variable Rate Home Equity Line of Credit
Term APR3 Positions/LTV2 Draw Period
 3  % (Prime - 0.50%)
Intro: 6.49% rate for 12 months4
  10 Years
 3  % (Prime - 0.50%)
Intro: 6.99% rate for 12 months4
  10 Years
 3  % (Prime + 0.50%)
Intro: 7.49% rate for 12 months4
  10 Years
Auto Loan Rates
Rates quoted are the lowest available rates based on overall credit worthiness.5
These two tables are a list of vehicle loans, the terms and rates. The first column is the term. The remaining columns represent the rate for a specific age of the vehicle.
  APR1 for Model Years
2021 and Newer
APR1 for Model Years
2017-2020
APR1 for Model Years
2016 and Older
2 Year Loan  %  %  %
3 Year Loan  %  %  %
4 Year Loan  %  %  %
5 Year Loan  %  % N/A
6 Year Loan  % N/A N/A
7 Year Loan  % N/A N/A

 

Auto Advantage Loan Rates
Rates quoted are the lowest available rates based on overall creditworthiness.6 To estimate your monthly payments, click here.

These two tables are a list of vehicle loans, the terms and rates. The first column is the term. The remaining columns represent the rate for a specific age of the vehicle.
  APR6 for Model Years 2021 and Newer APR6 for Model Years 2019-2020
2 Year Loan  % 7.24%
3 Year Loan  % 7.49%
4 Year Loan  % 7.74%
5 Year Loan  % 8.24%
6 Year Loan  %  
RV / Boat Loan Rates
Includes Boats, Farm Vehicles, Motors, Motorhomes, RVs, Travel Trailers, Truck Campers. Displayed rates are up to 80% loan-to-value.9This table is a list of RV and Boat loans, the terms and rates. The first column is the term. The remaining columns represent the rate for either a new or used vehicle loan.
  APR1 for Model Years
2021 and Newer
APR1 for Model Years
2017-2020
APR1 for Model Years
2013-2016
2 Year Loan  %  %  %
3 Year Loan  %  %  %
4 Year Loan  %  %  %
5 Year Loan  %  %  %
6 Year Loan  %  %  %
10 Year Loan  %  %  %
15 Year Loan  % N/A N/A
Sportscraft Loan Rates
Includes ATVs, Jet Skis, Snowmobiles, and UTVs.10This table is a list of Sportscraft loans, the terms and rates. The first column is the term. The remaining columns represent the rate for either a new or used vehicle loan.
  APR1 for Model Years
2021 and Newer
APR1 for Model Years
2017-2020
2 Year Loan  %  %
3 Year Loan  %  %
4 Year Loan  %  %
5 Year Loan  %  %
6 Year Loan  %  
Credit Card Rates
This table is a list of Credit Cards and their specific rates. The first column is the type of credit card. The remaining column represent the specific Annual Percentage Rate for that card.
  APR1 Parameters
   % Fixed
   % Fixed
Personal Loan Rates
This table is a list of personal loans and rates. The first column is the term. The remaining column represent the rate.
  APR1
Up To 1 Year7  %
 7  %
 7  %
 7  %
 7  %
Student Loan Rates
This table is a list of student loan products and their specifics. The first column is the product name. The remaining columns represent the term, annual percentage rate, and if the loan has a fixed or variable rate.
  Term APR1 Parameters
 8  : Prime + 3.00%  % Variable
Checking Line of Credit Rates This table is a list of Checking Line of Credit products. The first column is the product name. The remaining columns represent the annual percentage rate and if the rate is fixed or variable.
  APR1 Parameters
   % Variable
  1. APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall credit worthiness. Variable rates may increase over time. 

  2. A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is in addition to your first mortgage. Loan to Value (LTV) is the total loan amount including first mortgage ÷ property value. For instance, an appraised value of $200,000 and a total mortgage (including any second mortgages) of $180,000 results in a Loan to Value ratio of 90%. Interest rates will increase based on Loan to Value.

  3. The Annual Percentage Rate (APR) will be set when the application is submitted and will be indicated on the loan agreement. Fixed Rate HELOC: The representative monthly payment based on a 10-year term, in first mortgage position at a 6.25% Annual Percentage Rate is $11.23 per $1,000 borrowed. Variable Rate HELOC: Intro rate effective for first 12 months. After the initial 12-month discount has expired, your annual percentage rate can change annually on the first day of the month following the expiration of your discount rate with a maximum APR of 18%. After the intro rate, loans with LTVs of up to 90% in first position and LTVs of up to 80% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 81% - 90% on second lien position will be equal to the Prime Rate plus 0.50%. The floor rate will be set when the application is submitted, will be in effect for the life of the loan, and will be indicated on the loan agreement. The representative monthly payment based on a 20-year variable term, in first mortgage position at an 8.000% Annual Percentage Rate is $8.36 per $1,000 borrowed. Rates are accurate as of 10/16/2023 and are subject to change without notice.

    Title insurance may be required and is paid by the borrower. Closing costs paid by CAP COM, on behalf of the borrower, will be paid on cumulative loan amounts up to and including $250,000 and will be added to the payoff amount of the loan if the home equity is paid and closed within three years of loan closing. The most common amounts for closing costs are estimated between $0 and $6,500 but depending on location and other factors it could be higher or lower.

    All Lines of Credit require a minimum limit of $10,000. Other rates are available and subject to change without notice. Mortgages in New York State only. Broadview FCU NMLS Identifier: 458314

  4. APR = Annual Percentage Rate. Intro rate effective for first 12 months. Rate is subject to adjustment annually and the first variable rate adjustment will occur one year from the loan funding date. The floor rate will be set at the time of loan funding, will be in effect for the life of the loan, and will be indicated on the loan agreement. Loans with LTVs of up to 90% in first position and LTVs of up to 80% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 81% - 90% will be equal to the Prime Rate plus 0.50%.

  5. All rates quoted are the lowest available rates, actual rate will be based on overall credit worthiness. 2-6 year auto loans require a minimum loan amount of $500. 7 year auto loans require a minimum loan amount of $15,000.  Representative monthly Auto Loan payment based on a five-year term at a 5.99% fixed Annual Percentage Rate is $19.33 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. Financing a new vehicle may include MSRP, taxes, and dealer fees). Financing a used vehicle may include NADA retail value, taxes, and dealer fees. All recreational vehicles must be registered and titled in New York State.

  6. Annual Percentage Rate (APR). All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms may apply. Monthly loan payment example: a 60-month term for a $25,000 loan at 6.74% for the first 59 months, with no payment protection, would be $261.41. If only the minimum payment of $261.41 is made for those 59 months, a balloon payment (also referred to as Residual Value) of $16,762.00 will be due as your final payment. Please note that your balloon payment is dependent on the residual value of the financed vehicle. The residual value is impacted by items such as estimated mileage usage, vehicle year, make and model. Rates accurate as of August 24, 2023, and subject to change without notice.

  7. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice.

  8. Restrictions apply. APR = Annual Percentage Rate. Must qualify for maximum loan amount. Two payback options are available: principal and interest payments for 180 months or interest-only payments for first 54 months followed by 180 months of principal and interest payments. The representative monthly interest and principal payment based on a 15-year variable term at a 11.50% APR is $11.62 per $1,000 borrowed. At 11.50% APR, the representative monthly interest only payment for 54 months would be $9.58 would be per $1,000 borrowed followed by 180 months of principal and interest payments of $11.68.

  9. All rates quoted are the lowest available rates based on overall creditworthiness and up to 80% loan-to-value. CAP COM will finance up to 90% of the sticker price (before tag, title, and tax) for new purchases, and up to 90% of the JD Power Retail Value for used purchases. The representative monthly RV/Boat Loan payment based on a ten-year term at a 8.49% fixed Annual Percentage Rate is $12.39 per $1,000 borrowed. Other rates and terms available.

  10. The representative monthly Sportscraft Loan payment based on a five-year term at a 8.74% fixed Annual Percentage Rate is $20.63 per $1,000 borrowed. Other rates and terms available.