Keystone FCU offers a variety of loan types, including Vehicle loans, 1st Mortgages, Signature (Personal) loans, and Home Equity Lines of Credit. Now with LoanLink, our new 24-hour loan hotline, you can get fast approval anytime, anywhere on most types of loans offered by Keystone FCU (1st mortgages are not available through LoanLink). Call LoanLink today at 877-886-9971.
New & Used Vehicle Loans
Keystone Federal Credit Union offers the same great rates when it comes to financing both new & used vehicles. Keystone FCU will lend members up to 100% of the purchase price, including the cost of taxes, title and registration, as well as optional services, such as rust-proofing and extended warranties. Vehicles one model-year old or less may be financed up to 72 months if priced over $20,000. Vehicles two to four model-years old can be financed up to 60 months, and vehicles five or more model-years old can be financed up to 48 months. All rates are calculated using Simple interest, which means members pay interest only on the loan principal and only for the actual number of days the principal is owed. Plus, enjoy the ease of paying your loan through Payroll Deduction, automatic transfer, Keystone@Home, or at any of our conveniently located branches!
Home Equity Loans
Keystone Federal Credit Union offers Home Equity Loans with fixed rates and terms, as well as a Home Equity Line of Credit with a variable rate indexed to the Wall Street Journal Prime Rate. Members may borrow up to 90% of the home's equity, and in many cases, the interest on these loans is tax-deductible (consult your personal financial advisor). Home Equity Loans require a lien against the property. Property must be the applicant's residence, and must be located along the eastern seaboard. Application costs may be refunded up to 100% based on our Relationship Pricing schedule (see Keystone FCU disclosure for complete details).
Keystone Federal Credit Union offers Standard MasterCard®, Gold MasterCard® and Platinum MasterCard®. Our Standard and Gold cards feature low fixed rates and no annual fees. Card limits can be pre-established for $200.00 to $20,000.00. As of January 1, 2011, Keystone FCU's Standard MasterCard® has a rate of 14.88% APR* on purchases and 9.96% APR on cash advances. Keystone FCU's Gold MasterCard® has a rate of 9.96% for purchases and cash advances. Keystone FCU's Platinum MasterCard® offers a variable rate determined on November 1st of each year and is based on the Prime Interest Rate as published in the Wall Street Journal. The Platinum card also has a low $15.00 annual fee (See a Member Service Representative for current rates). Also, all Keystone MasterCard® cardholders earn ScoreCard Bonus points for each dollar charged, which can be exchanged for travel awards, services, and merchandise. Keystone FCU Gold MasterCard® and Platinum MasterCard® also offer a variety of additional benefits.
*APR = Annual Percentage Rate
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