Mortgage Rates
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East River Federal Credit Union
Promotional Rates Disclosure

30 Year Conventional Mortgage

APR* based on $100,000.00
80% LTV**
1% Origination plus closing costs

*Annual Percentage Rate
**Loan-To-Value

Rate is subject to change without notice. Loans above 80% LTV may require private mortgage insurance. Rates can be locked only after your completed loan application is received and approved.

To receive a mortgage loan application or hear about our other mortgage loan products, rates, and terms, please call our loan officer at (605) 256-8145 or (800) 667-6039.

Vehicle Loans

APR (Annual Percentage Rate) is as of the date specified on the “Loan Rates” page of this site and is subject to change without notice. Actual Interest Rate will be determined based on member’s overall credit history and score. Not all members will qualify for lowest rate disclosed. Rate disclosed based on 24 month term.


VISA Gold Credit Card Disclosure

Annual Percentage Rate for Purchases, Balance Transfers, & Cash Advances

  9.90% (1) Premier Rate
12.90% (1) 4 Star Rate
15.90% (1) 3 Star Rate
17.90% (1) 2 Star Rate
17.90% (1) 1 Star Rate
   

Penalty Rate:

17.90%
  • If payment is received late twice in any six month period, the APR will adjust to 17.90% on all balances calculated as described above. If the payment is received 90 days late in any amount of time, the APR will adjust to 17.90% on all balances calculated as described above.
   

Grace Period for Purchases:

25 days

Method of Computing the Balance for Purchases

Average Daily Balance Including New Purchases

Annual Fee

None

Minimum Finance Charge

None

Cash Advance Fee

None

Balance Transfer Fee

None

Minimum Monthly Payment

The Greater of $25 or 2% of Outstanding balance

Late Payment Fee (2)

$25

Over the Limit Fee (3)

$25

Return Check Fee

$25

(1) Your Annual percentage Rate (APR) is Fixed. The East River Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. A member’s individual rate will be determined by the member’s credit history with the credit union and other financial institutions.

(2) Late Charge: If the minimum required payment is not received within 25 days after the closing date subsequent to the payment due date, a late charge of $25.00 will be imposed.

(3) Over Limit Fee: This fee is applied when a balance is 10% or more over the limit.

 
 
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