Rates

APR = Annual Percentage Rate. All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms available. Rates are accurate as of today and are subject to change without notice. Fixed Rate Home Equity Line of Credit: Rates are as low as 5.25% fixed APR for a 10-year repayment term. Other fixed rates are available for terms of 15- and 20-years. All terms include a 5-year draw. Variable Rate Home Equity Line of Credit: Rates are as low as 3.99% APR for the first 12 months and Prime minus 0.50% thereafter (currently 7.00% APR), with a maximum APR of 14.90%. A 10-year draw period is included in the 25-year repayment term. APR may vary.

Title insurance may be required and is paid by the borrower. Closing costs paid by Broadview, on behalf of the borrower, will be paid on 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. For loan amounts greater than $250,000, or total combined Broadview home equity loans exceeding $250,000, all closing costs will be paid by the borrowers at the time of closing.

All Lines of Credit require a minimum limit of $10,000 and are available in New York State and Pennsylvania counties of Susquehanna, Bradford or Wyoming. Broadview FCU NMLS Identifier: 458314. Broadview membership is required.

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 on top of 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.

Monthly loan payment example: a 60-month term for a $25,000 loan at 5.99% for the first 59 months, with no payment protection, would be $258.79. If only the minimum payment of $258.79 is made for those 59 months, a balloon payment (also referred to as Residual Value) of $15.999.80 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 today and subject to change without notice.

Annual Percentage Rate (APR). All rates quoted are the lowest available rates and up to 80% loan-to-value. Actual interest rate will be based on overall creditworthiness. Other rates and terms may apply. Broadview 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. Monthly loan payment example: a $20,000 loan at 7.24% APR for 60 months, with no additional payment protection, would be $399.44, or $184.61 biweekly. Rates accurate as of today and subject to change without notice. Broadview membership is required.

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 $10,000 loan at 8.49% APR for 60 months, with no additional payment protection would be $205.78, or $95.15 biweekly. Rates accurate as of today and subject to change without notice. Broadview membership is required.

Annual Percentage Rate based on overall creditworthiness. Other rates and terms may apply. Rates accurate as of April 1, 2025, and subject to change without notice. Variable-rate credit cards: After the account is opened, the Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. Broadview membership is required.

Annual Percentage Rate based on overall creditworthiness. Other rates and terms may apply. Rates accurate as of today, and subject to change without notice. After the account is opened, the Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. Broadview membership is required.

Annual Percentage Rate (APR) is variable and is based on the share dividend rate (index) plus a margin, set by the credit union at the time of the loan origination. After the account is open, rates are subject to change quarterly, on the first day of January, April, July and October and will be determined based on the share dividend rate in effect 45 days prior. Monthly loan payment example: a share dividend rate of 0.10% plus a margin of 0.70% will equal an initial rate of 0.80%. For a $1,500 loan with a 12-month term at a rate of 0.80%, the initial payment would be $125.60 per month. Rates accurate as of today and subject to change without notice. Broadview membership is required.

Annual Percentage Rate (APR) is fixed and is based on the share certificate dividend rate (index) plus a margin, set by the credit union at the time of the loan origination. Rate quoted is the lowest available rate. APR is fixed for the duration of the loan.  Monthly loan payment example: a share certificate rate of 3.00% plus a margin of 0.70% will equal a rate of 3.70% APR. For a $20,000.00 loan with a 60-month term, the initial payment would be $366.15 per month. Rates accurate as of May 22, 2023 and subject to change without notice. Broadview membership is required.

Annual Percentage Rate based on overall creditworthiness. Other rates and terms may apply. Rates accurate as of today, and subject to change without notice. After the account is opened, the Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. Interest-only payments for the first 54 months followed by 180 months of principal and interest payments. Broadview membership is required.