Rates

Auto

September 17, 2020

Annual Percentage Rate Term Estimated Cost Per $1000
New and Used Auto as low as 1.79% up to 84 months $12.68

 

 


Actual rates may vary, is based on certain credit-worthiness criteria, and is determined once application is approved. Automatic payment is required to obtain lowest rate. Must be a member of First Priority Credit Union for approval of any loan. Automobile loans must be titled in Massachusetts and New Hampshire. Other states may be permitted at the discretion of lending management. Estimated cost per $1000 based on maximum term available for the quoted rate.  Financing is based on NADA value for used auto and MSRP for new auto.  Payment does not include amounts for taxes and insurance premiums if applicable, the actual payment obligation may be greater. Minimum loan amount is $5000. Rates are subject to change without notice. Other restrictions may apply.

RV & Motorcycle

September 17, 2020

Annual Percentage Rate Term Estimated cost per $1000
Motorcycle  as low as 4.99% up to 121 months $10.53
Boat as low as 4.99% up to 121 months $10.53
Specialty Vehicles as low as 4.99% up to 121 months $10.53

 

 


Actual rates may vary, is based on certain credit-worthiness criteria, and is determined once application is approved. Automatic payment is required to obtain lowest rate. Must be a member of First Priority Credit Union for approval of any loan. Vehicle must be titled in Massachusetts and New Hampshire. Other states may be permitted at the discretion of lending management. Estimated cost per $1000 based on maximum term available for the quoted rate.  Financing is based on NADA value for used vehicle and MSRP for new vehicle.  Payment does not include amounts for taxes and insurance premiums if applicable, the actual payment obligation may be greater. Rates are subject to change without notice. Other restrictions may apply.

Personal

September 17, 2020

Annual Percentage Rate Term Estimated cost per $1000 Maximum Amount
Personal as low as 7.99% up to 60 months $20.27 $15,000
Holiday/Vacation 7.50% 12 months $86.76 $2,000

 

Annual Percentage Rate Term Estimated cost per $1000 Maximum Amount
Share Secured Share APY* +3.00% up to 36 months $29.13 95% of share balance
Certificate Secured Certificate Term +3.00% up to Certificate term 95% of certificate balance

 

Annual Percentage Rate Mimimum Advance Amount Maximum Amount
Overdraft Line up to 12.99% $250.00 $2,500.00

 

 


*APY=Annual Percentage Yield.

Actual rates may vary, is based on certain credit-worthiness criteria, and is determined once application is approved. Automatic payment is required to obtain lowest rate. Must be a member of First Priority Credit Union for approval of any loan. Estimated cost per $1000 based on maximum term available for the quoted rate.  Rates are subject to change without notice. Other restrictions may apply.

Home Loan

September 17, 2020

Annual Percentage Rate Term Estimated Cost Per $1000 Maximum Amount
Home Equity Loan 5.49% (fixed) 180 months $8.17 $250,000

 

Annual Percentage Rate Term
Home Equity Line of Credit Prime +0% 20 Years

 

 


Closing costs are waived, however, if borrower terminates the agreement or a discharge is issued within 12 months from the date of agreement then the borrower will be responsible for the full amount of waived costs of between $275.00. – $1100. Approval for all home equity products is subject to appraisal. Rates are subject to change without notice. Other restrictions may apply. Property Insurance or additional coverage may be required.

Home Equity Loan:
Minimum Loan amount of $25,000 applies to this loan. Property Insurance or additional coverage may be required.

Home Equity Line: Maximum APR is 16.0%. Rate is variable and based on prime (as published in the Wall Street Journal) + 0%. Prime rate as of September 17, 2020 is 3.25%. Payment Example: If you made only the minimum monthly payments and took no other credit advances, it would take 20 years to pay off an advance of $10,000 at 3.25% APR. During that period, you would make 120 monthly payments of $50.00 (Minimum payment amount) followed by 120 monthly payments of $97.72.

 

Savings & Checking

September 17, 2020

Annual Percentage Yield  Minimum
Opening Deposit
Minimum Balance to Earn Interest
Share Account  0.10% $25 $25
Priority Checking Account 2.50% $0 no minimum required
Money Market Account $0 – $24,999.99 0.15% $2,500 no minimum required
Money Market Account $25,000.00 or More 0.30% $2,500 no minimum required
IRA Accumulator 0.10% $0 no minimum required
Holiday Account 0.10% $0 no minimum required
Vacation Accounts 0.10% $0 no minimum required
All-Purpose Account 0.10 % $0 no minimum required

*APY = Annual Percentage Yield. Rates may change without notice, after the account is open. Fees could reduce earnings on accounts.

Share Account: Must be maintained to open any other account.

Priority Checking Account: To earn rate on account the following conditions must be met: (1) Direct deposits totaling$500 or more (2) 12 Debit transactions (3) Online banking and eStatements and (4) EITHER a Bill Payment OR an online banking transfer. Accounts that do not meet these requirements and balances over $10,000 will earn the same as the regular Share Draft Account, which does not earn interest at this time.

Holiday, All-Purpose and Vacation Accounts: Early withdrawal fee of $15.00 for withdrawals made before the disbursement date.

Certificates & IRAs

September 17, 2020

Share/IRA Certificates Annual Percentage Yield  Minimum Balance
(to Open & Earn Dividend)
Term
3 months .15% $1000 3
6 months .30% $1000 6
9 months .35% $1000 9
1 year .50% $1000 12
15 months .55% $1000 15
18 months .60% $1000 18
2 year .70% $1000 24
3 year .75% $1000 36
4 year 1.20% $1000 48
5 year 1.30% $1000 60

*APY = Annual Percentage Yield.  Early withdrawal penalties may apply. Any changes to certificates must be made on or within 10 days of the maturity date. Fees could reduce earnings on the account.