* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.)

Approximate monthly payment for a loan of $20,000 at 6.20% for 36 months would be approximately $610.35.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

Approximate monthly payment for a loan of $20,000 at 6.69% for 60 months would be approximately $393.19.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

Approximate monthly payment for a loan of $20,000 at 6.74% for 72 months would be approximately $338.54.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

Stark Federal Credit Union offers home loans for new purchases and refinancing. Our rates are competitive and our approvals are fast.

For current rates, call 330.639.2300 during business hours.

The estimated monthly payment can be calculated by using our calculator and entering the amount you wish to borrow, the loan term you request and the appropriate interest rate for the loan purpose that you wish to borrow.

*EQUITY LOANS ALSO SUBJECT TO ACCEPTABLE PROPERTY APPRAISAL AND TITLE SEARCH. Loans are subject to credit worthiness, membership eligibility, and your ability to meet certain underwriting criteria such as owner occupancy and loan to value ratios.  Your rate may also be different based on your credit history. Loan to value criteria is based on the appraised value of your home minus your outstanding mortgage balances.  This offer is only available on owner occupied homes.   Property insurance is required. Flood insurance may be required. No early repayment penalty. No application fee.  No Closing costs.  Third party fees may apply and may range from $0 – $550.

**Home Equity Line of Credit (Variable Rate)-APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility. Rate may be different and are based on your personal credit history. Variable rate subject to change with prime rate for the duration of the line of credit. Rate may change monthly. Your home equity contract rate is variable based on Wall Street Journal Prime Rate, on your creditworthiness, and Stark Federal Credit Union’s lending policies. Your rate will vary but never exceed 18.00% APR and never fall below your contract rate.   Minimum credit line draw of $2,500. Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater. HELOC requires low annual fee of $60. There is a Draw Period for 5 years after the account is opened during which advances and purchases may be made and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a repayment period that will not exceed 10-years.

***Home Equity Loan (Fixed Rate)- APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility.  Rate may be different and are based on your personal credit history.  Fixed rate options allow you to borrow up to 100% of the appraised value of your home, minus your outstanding mortgage balance.  Rates above are available for loan amounts over $5,000 and less than 80% loan to value.  Typical loan payment examples are as follows: If you borrow $25,000 secured by an owner-occupied home, for 120 months at 7.74% APR, the monthly payment would be $296.62 or if you borrow $50,000 secured by an owner-occupied home, for 180 months at 7.99% APR, the monthly payment would be $477.54. Non-owner-occupied financing is also available. Ask us for details.

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Please contact your tax advisor to determine any tax benefits. Stark Federal Credit Union may discontinue or change program without notice. A Stark Federal Credit Union Share Account must be opened and in good standing in order to disburse a loan. All loans are subject to credit approval. All rates are subject to change. Stark Federal Credit Union is an Equal Housing Lender.

Rates As Low As 7.99% APR!*
For a personalized rate quote, call 330-493-7602
during business hours or toll-free 866-467-0427
any other time day or night.

* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.) All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

A sample monthly payment for a loan of $15,000 and a term of 60 months at 7.99% APR would be approximately $304.07. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

For a personalized rate quote, call 330-493-7602 during business hours or
toll-free 866-467-0427 any other time day or night.

* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.)

A sample monthly payment for a loan of $10,000 and a term of 36 months at 6.74% APR would be approximately $307.64. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 36 months at 8.24% APR would be approximately $314.47. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 36 months at 9.24% APR would be approximately $319.19. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

All rates are subject to change. Rates effective 7/1/23.
* Loans secured by CD's are 3.5% above the Share Certificate rate for loans up to 60 months and 4.5% above the Share Certificate rate for loans between 61-120 months. Must mature when the Share Certificate does.
** Secure with title or UCC1
*** Rates are calculated by Annual Percentage Rate (APR)

The estimated monthly payment can be calculated by using our calculator and entering the amount you wish to borrow, the loan term you request and the appropriate interest rate for the loan purpose that you wish to borrow.

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Each member account is insured to $250,000 by the NCUA. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors.   Call for current rates and information. Rates effective 12/21/2022.

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Each member account is insured to $250,000 by the NCUA. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 12/21/2022.

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Each member account is insured to $250,000 by the NCUA. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 12/21/2022.

*APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 2/20/24.

APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. * Minimum of $5,000 is required for all 90 Day certificates. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 2/20/24.

** 9 Month Certificate special will automatically renew to a 12 month certificate term at the rate commensurate to the balance at renewal.

All rates are subject to change. There is a limit of three withdrawals per calendar month. Rates effective 02/20/2024.

APY=Annual Percentage Yield. APY may be lower than the rate depending on the average daily balance in the account for the dividend period.  Money Market accounts are tiered rate accounts. and pay dividends weekly.  For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.   

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