Rohm and Haas Credit Union

Beginning in February, Rohm and Haas Employee Federal Credit Union (RHCU) will offer several exciting new mortgage and auto loan specials!

Ultra Short Term, Low Rate Second Mortgage*
This is your opportunity to get a great deal on funds to cover student tuition, do a home update or repair, pay down your current mortgage, or make that special purchase you’ve been waiting for.

This program will offer a 48 month, 4.25% fixed rate mortgage on new borrowing, secured by a second mortgage, for up to 80% of the value of your home. This means that your first mortgage plus our second mortgage cannot exceed 80% of the appraised value of the home. This offer is for new borrowing only, and cannot be used to pay off existing loans with RHCU.

Closing Costs Savings*
For second mortgage loans with new borrowing of at least $25,000, we are waiving all closing costs except title insurance (which is required on loans in excess of $100,000). This offer can be used if you have an existing loan, as long as new funds requested equal $25,000 or more.

*These two offers can be used jointly if the conditions of each are met.

Lower Auto Loan Rates
Also starting in February, RHCU is pleased to announce lower rates on all auto loans. Recently, struggling auto manufacturers are offering lots of great deals on new cars. Take advantage of these aggressive pricing incentives, then save even more with our new lower auto loan rates! Prefer to buy a used car? No problem—we’ve lowered our used car rate too!

Auto Loan Rates	With Payroll Deduction	No Payroll Deduction
New Auto
48 months	4.99%	5.24%
60 months	5.49%	5.74%
72 months	6.99%	7.24%
Used Auto
See terms below**	6.99%	7.24%
**Used Auto Loans – All titleable vehicles no older than 5 years old are included. • 100% Financing Plus Tax and Tags — RHCU will lend 100% on model year 2007-2008 used cars for a period of up to 48 months (four years). • 90% Financing Plus Tax and Tags — RHCU will lend up to 90% of the purchase price of model year 2005-2006 used cars for a period of up to 36 months (three years). • 80% Financing Plus Tax and Tags — RHCU will lend up to 80% of the purchase price of model year 2004 used cars for a period of up to 24 months (two years).

If you have any questions about these great new mortgage and auto loan offers, please call us at 215-592-2737 or 215-641-7987.