Current Loan Rates
Kings FCU offers a variety of personal, home equity loans and lines of credit, mortgage and auto loans. Check all loan types and current rates below.
|AUTO LOANS||Term||APR1 - as low as|
|New Auto||up to 60 mos.||2.99%|
|Used Auto||up to 60 mos.||3.49%|
|RECREATIONAL VEHICLES||Term||APR1 - as low as|
|New RV, Boat, Motor Home, Trailer||up to 60 mos.||3.99%|
|Used RV, Boat, Motor Home, Trailer||up to 60 mos.||4.49%|
|New Motorcycle / Personal Watercraft||up to 60 mos.||4.99%|
|Used Motorcycle / Personal Watercraft||up to 60 mos.||5.49%|
|CREDIT CARD||Term||APR1 - as low as|
|VISA Credit Card|
|Share Secured VISA||N/A||13.95%|
|PERSONAL LOANS||Term||APR1 - as low as|
|Signature Loan||up to 60 mos.||7.99%|
|Share Secured||up to 48 mos.||3.00% above the highest savings dividend rate.|
|Overdraft Line of Credit||N/A||15.00%|
|Express Home Improvement (Unsecured)||up to 84 mos.||6.00%|
|Home Equity Line of Credit (HELOC)||Term||APR2 - as low as|
|80% LTV||10 yr. draw/15 yr. amort.**||4.50% (WSJ Prime - 0.50%)|
|90%LTV||10 yr. draw/15 yr. amort. **||6.00% (WSJ Prime + 1.0%)|
|HELOC Termout Option||Term||APR2 - as low as|
|80% LTV||up to 15 years||5.50% Fixed Rate|
|90% LTV||up to 15 years||7.00% Fixed Rate|
|Conventional Fixed and ARMs||For Current Rates Call (559)582-4438|
2 The APR may vary and is based on the highest prime rate as published in the “Money Rates” column in the Wall Street Journal. The APR can change quarterly on the first day of January, April, July and October. The minimum “floor” APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply is 15%. The Home Equity Line of Credit cannot exceed the appraised value. APR will vary depending upon the available equity in your home. Credit limit is based on your credit worthiness.
** For Home Equity Lines of Credit, there is a 10 year draw period and a repayment period of up to 15 years.
General information: Rates are subject to change without notice. If you have any questions, please call the credit union at (559) 582-4438. To apply for a loan, you can apply over the phone, fax your loan application to (559) 582-3236 or complete the online application.