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> > Fixed Rate Loans
Most types of consumer loans are available at fixed rates of interest up to five years, and up to six years on new and late model used vehicles. With fixed rates, the borrower locks in a rate for the full term of the loan and the rate is not subject to fluctuation. Loan Calculator
Loans on which rates cannot be fixed are those with terms longer than five years (except for six-year car loans), loans secured by credit union regular savings, and loans with an open-end revolving credit commitment. Four Points Federal Credit Union fixed rate first mortgage real estate loans which are serviced by the credit union but originated for the Federal Home Bank. There are no prepayment penalties on any type of loan, allowing members the flexibility to pay ahead or pay off at any time they wish.
Real estate loan applications are not available on line.
Printable Pre-Approval Application
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