 |
|
 |
|
|
| Rates |
|
Savings
|
Minimum Balance
|
Dividend Rate
|
APY*
|
| Regular Share Account |
$5.00 |
.00%
|
.00% |
| Tiered Savings $.01-500 |
$5.00 |
.00% |
.00% |
| $501-1000 |
$501.00 |
.15% |
.15% |
| $1001-5000 |
$1001.00 |
.25% |
.25% |
| $5001-Greater |
$5001.00 |
.30% |
.30% |
| Christmas Club |
$5.00 |
.50% |
.51% |
|
There are also IRA's available. Contact the Credit Union for details
|
| * APY = Annual Percentage Yield *These are variable rate accounts. Dividend rates may change at anytime without notice. Fees could reduce earnings on the account. APY accurate as of August 25, 2010. |
| Certificates |
Minimum Deposit
|
Dividend Rate
|
Term
|
APY*
|
| Share Certificates $1001-25,000 |
$1001.00 |
.35% |
6 month |
.35% |
| |
$1001.00 |
.50% |
12 month |
.50% |
| |
$1001.00 |
.65% |
24 month |
.65%
|
|
* APY = Annual Percentage Yield *These dividend rates are fixed for the term. A penalty is imposed for early withdrawal. APY accurate as of July 26, 2011.
RATES ARE SUBJECT TO CHANGE.
| Certificates |
Minimum Deposit
|
Dividend Rate
|
Term
|
APY*
|
| Share Certificates $25,000 & ^ |
$25,000.00 |
.75% |
6 month |
.75% |
| |
$25,000.00 |
1.00% |
12 month |
1.00% |
| |
$25,000.00 |
1.15% |
24 month |
1.15%
|
|
|
Auto Loans
|
| Year |
Term
|
Rate
|
|
2010 & ^
|
60-72 Months
|
4.50%-16.00%
|
| 2007, 2008, 2009 |
60 Months
|
5.50%-16.00%
|
| 2004, 2005, 2006 |
48 Months
|
6.50%-16.00%
|
| 2002 & 2003 |
36 Months
|
7.99%-16.00%
|
|
| 2001 & older |
36 Months
|
10.99%-16.00%
|
*APR=ANNUAL PERCENTAGE RATE
LOAN VALUE IS BASED ON 85% OF NADA BOOK’S AVERAGE RETAIL VALUE. IF YOU NEED TO GO 100% OF RETAIL VALUE THE RATE WILL BE 1% HIGHER. SOME RESTRICTIONS DO APPLY. RATES BASED ON CREDIT WORTHINESS.
Above rates apply only to NEW loans, no refinancing of old loans to get lower rates. There is a $25.00 application fee on all loans and also a $15.00 late fee if your loan is 10 or more days past due.
|
| |
|
Motorcycles, Boats, Campers, and Water Craft
|
| Year |
Term
|
Rate
|
| 2007-2011 |
60-72 Months |
6.99-16.00%
|
| 2004-2006 |
48 Months |
7.49%-16.00%
|
| 2002&2003 |
36 Months |
9.49%-16.00%
|
| 2001& v |
36 Months |
11.49%-16.00%
|
*Some restrictions do apply. Rates according to credit worthiness. |
|
Other Loans
|
| Shared Pledge |
Maximum term is 24 months.
(Share secured with CD's is term of certificate) |
3% higher than last paid dividend.
|
| Signature Loan |
Will loan up to one month's gross salary |
13.75%
|
| Personal Loan |
Will loan up to one month's gross salary |
10.99%-16.00%
|
| Home Equity Loans |
|
1.50% above the prime with a variable rate.
|
| All loan rates are subject to change. Interest rate is based on credit rating. *APR= ANNUAL PERCENTAGE RATE |
|
|
|
