Phone: (330) 478-8400   CU Dial: (330) 478-9838   Fax: (330) 478-8362
 
 
 
   
Savings Rates & Terms
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Equity Loan Rates & Terms
 
Last Rate Change Effective: 12/22/2016
Note: Rates Are Subject To Change Without Notice.
 
Home Equity
APR* As Low As Fixed Term of Repayment
84 Months 4.25%* Minimum $8,000 - Maximum $60,000
120 Months 4.50%* Minimum $8,000 - Maximum $60,000
180 Months 4.75%* Minimum $8,000 - Maximum $60,000
**LTV stands for Loan to Value. Rates based on maximum 80% Loan to Value Ratio.  Fees:  $ 275.00 appraisal (est.) and $ 400.00 Closing costs.
  • The APR (Annual Percentage Rate) is the true Truth in Lending APR.
  • The APR will not increase over the term of your loan.
  • The Loans above are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed.
  • Loans over $ 60,000.00 add additional .25% to rate.
  • STJ FCU charges a $100 processing fee which is added to your loan and will be included in your actual APR.
  • *The above rates include a discount of .25% for payroll deduction or automatic payment from an STJ savings or checking account
Home Equity Line Of Credit
APR* As Low As Fixed Term of Repayment
120 Months Prime +.50% Minimum $8,000 - Maximum $50,000
**LTV stands for Loan to Value. Rates based on maximum 80% Loan to Value Ratio.  Fees:  $ 275.00 appraisal (est.) and $ 400.00 Closing costs.
  • Single family, primary homes only in Stark County.
  • The first draw is 5% of the line of credit amount.
  • $ 30 annual fee.
  • The APR shown is the APR in effect as of the posted date, These loans have a variable periodic rate based on the published prime rate, with or without a margin as noted above.
  • The base rate may change monthly. The annual rate is set on the 1st business day of each month based on the Prime Rate listed in the Wall Street Journal.
  • The minimum APR is 4% and maximum APR cannot exceed 18%.
  • The payments are calculated based on a 10 year repayment schedule and may increase or decrease.
  • STJ FCU charges a $100 processing fee which is added to your loan and will be included in your actual APR.
  • *The above rates include a discount of .25% for payroll deduction or automatic payment from an STJ savings or checking account
 
 
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