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February 07, 2012

We will lower your current loan rate by 1% if you bring your loan from another financial institution to Front Royal FCU. No refinances of loans at FRFCU. Subject to credit approval. Must provide documentation of current rate. Floor limit is 2.99%. Rate subject to change without notice. Special doesnt apply to Home Equity or Credit Cards. Member NCUA.

Loan Rates

Rates are effective as of: February 3, 2012

Loans

Loan Type* Approximate Term APR
Home Equity 5-15 year 4.25%-5.50%
Winter Loan Special Borrow up to $3000 for 30 months 4.75%
Signature/Unsecured - up to $25,000 * total unsecured loan amount per member cannot exceed $25,000 60 Months starting at 7.75%
Share Secured up to 120 Months 1.00% above share rate
Certificate Share Secured Certificate Term 1% above certificate account rate

Vehicle Loans *

New and One Year Old - Untitled Only -
36 Month Term starting at 2.99%
48 - 72 Month Term starting at 3.75%
New Car Loan Special! 60 month starting at 3.95%
Used Vehicles 2004-2012
36 Month Term starting at 3.50%
48- 72MonthS Term starting at 4.00%
Used Car Loan Special! 60-72 Month Term 6.99% fixed
New & Used Boat Up to 120 Months starting at 4.75%
New & Used RV Up to 120 Months starting at 4.75%
New & Used Motorcycle Up to 60 Months starting at 3.50%
Special Interest Vehicle Up to 72 Months starting at 5.50%

Home Equity Loans *

Financing 80% of appraisal minus balance on first trust 5 Year Fixed 4.25%
Financing 80% of appraisal minus balance on first trust 10 Yr Fixed 5.00%
Financing 80% of appraisal minus balance on first trust 15 Yr Fixed 5.50%
*Member pays appraisal & flood determination fee. **NO CLOSING COSTS FOR LIMITED TIME**
Appraisal Fees usually between $300 - $325
Flood Determination Fee $19.00
Closing Costs - approximately $600 - $1000
Home Equity Rates effective December 15, 2011 All rates subject to change without notice. Limited time offer No closing costs. Qualifications apply on all loans

Lines Of Credit

Overdraft Line of Protection - $1000 Limit 9.99%
Visa Credit Card - up to $25,000 limit 25 day grace period on purchases; cash advance interest compound daily up to 2% of purchase 9.99%
Visa Balance Transfers No fee Transfer rate 9.99%