New & Used Vehicle Loans

(100% financing)

Terms
APR*
as low as
1.49% up to 48 month term1+
1.99% 49 up to 72 month term 1+
Restrictions apply

Home Equity Line of Credit

Terms
APR*
as low as
0.99% first six months **
4.00% thereafter

Home Equity Loans

Terms
APR*
as low as
5 year term - 2.29%1,7+
61 up to 84 month Term - 2.79%1,7++
 85 up to 120 month Term - 3.79%1,7++
  121 up to 180 month Term - 4.79% 1,7++

 

LIFESTYLE Loans

(for cosmetic, dental, vision, orthodontics, audiology, veterinarian, fertility, adoptions, and other health-related products and procedures)

Terms
APR*
as low as
3.65%1, 3, 4

ADVENTURE Loans

(for new or used snowmobiles and ATVs)

Terms
APR*
as low as
6.50%3, 5

Shared Secure Loans

(up to 60 months)

Terms
APR*
as low as
5.75%1

Personal Loans

Terms
APR*
as low as
9.99%1

Personal Lines of Credit

Terms
APR*
as low as
10.25%

VISA Classic Credit Card

Terms
APR*
non variable
12.99%

VISA Platinum Credit Card

Terms
APR*
 non variable
8.99%

FIRST MORTGAGE LOANS

Terms
Points
Rate**

First Mortgage
15 year conventional fixed  

0

3

3.375%

2.875%

First Mortgage
30 year conventional fixed 

0

3

4.125%

3.750%

First Mortgage
15 year FHA

0

3

3.375%

2.875%

First Mortgage
30 Year FHA

0

3

3.750%

3.375%

First Mortgage
3 Year ARM

0

4.000%

First Mortgage
5 Year ARM
0 3.375%

**Mortgages on investment properties vary from the rates listed. Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000. Rates are subject to change at anytime without notice.

* - APR (Annual Percentage Rate) is as of 04/01/2017 and subject to change. Actual Interest Rate will be determined based on member’s overall credit history and score. Not all members will qualify for lowest rate disclosed.
1 - Rate disclosed based on maximum Discovery Rewards discount (.25% for direct deposit; .25% for automatic payment from DFCU account).
2 - Rate based on 60 month term.
3 - Actual interest rate determined by term of loan and member’s overall credit history and score
4 - Rate based on 12 month term.
5 - Rate based on 120 month term.
6 - Rate based on new vehicle. Different rates may apply for used auto loans.
7 - Rate based on a minimum of $10,000 in new money financed, up to a 5 year term and 85% loan-to-value ratio.

+/++ *APR = Annual Percentage Rate. Your rate may be higher than the lowest advertised APR. APRs are based on your loan-to-value, credit worthiness, term of loan, amount of loan, direct deposit to a Discovery FCU account and electronic payments from your Discovery FCU account. APRs are subject to change anytime without notice. Other terms and conditions apply based on the type of loan you establish.

**Home Equity Line of Credit (HELOC) - Applies to minimum line of $10,000, is subject to change without notice, and applies to a loan-to-value ratio of 80% for a primary residence located in Pennsylvania. Rates vary depending upon amount financed, credit score, lien position and collateral. Introductory rate of 0.99% APR will be in effect for six (6) billing cycles from credit line open date. After the discount rate expires, the line is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the expiration of any Introductory Rate Period, and subsequently, on the last day of each month ("Index") plus 0% ("Margin") The index plus the Margin equals the Interest Rate. As of 04/01/2017 the Prime Rate was 4.00% APR. Property insurance is required. PA residences only.  All lines of credit are subject to approval and collateral evaluation. Fees and charges may apply. Additional restrictions, limitations and exclusions may apply. Please call Discovery FCU at 610-372-8010 for further details.  

 
New/Used Auto Loans: Refinancing of existing Discovery FCU debt is not eligible for the advertised APRs. A sample auto loan payment based on $10,000 at 1.49% APR and 48 month term is $214.73; $10,000 at 1.99% and 72 month term is $147.46.
 
Home Equity Loan: Home Equity loans’ closing costs/application fees are a minimum of $299.00 and may be higher based upon appraisal costs. A sample Fixed Home Equity Loan payment based on $10,000 at 2.29%, 85% LTV and 5 year term is $176.54; $10,000 at 2.79% APR, 85% LTV and 7 year term is $131.19; $10,000 at 3.79%, 85% LTV and 10 year term is $100.25; $10,000 at 4.79%, 85% LTV and 15 year term is $77.99.

 

 

 

 
 

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Rates @ A Glance

New & Used Vehicle Loans as low as 1.49%
Home Equity Line of Credit as low as 0.99%
LIFESTYLE Loans as low as 3.65%
VISA Platinum Credit Card 8.99%
Certificates as high as 1.90%
View All

We Want to Know...

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2744 Century Blvd., Wyomissing, PA 19610|tel 610.372.8010|fax 610.372.8105|ABA Routing #231385646
Equal Housing Lender NCUA Your savings fedarally insured to at least $250,000 and backed by the full faith and credit of the United States Governmennt