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Rates Effective 06/18/2010*All rates and yields
stated below are accurate as of the date shown, and are
subject to change without notice.
|
| Loans |
MaximumTerm
|
APR **(Annual Percentage Rate)
As Low As
|
| Signature |
60 mos |
9.99% |
| Line of Credit |
variable |
9.99% |
| VISA Classic |
variable |
12.9% |
| VISA Platinum |
variable |
8.9% |
| Home Equity Line of Credit, variable rate* |
180 mos |
Please contact CU*** |
| Home Equity Fixed Rate Prime + 1/4% |
60 mos |
Please contact CU*** |
| Home Equity Fixed Rate Prime + 1/2% |
120 mos |
Please contact CU*** |
| Home Equity Fixed Rate Prime + 1% |
180 mos |
Please contact CU*** |
| New or Used Vehicle,boat, motorcycle, RV, etc. |
48 mos |
3.50% & |
| New or Used Vehicle,boat, motorcycle, RV, etc. |
60 mos |
3.75% & |
| New or Used Vehicle,boat, motorcycle, RV, etc. |
72 mos |
4.75% & |
| New or Used Vehicle,boat, motorcycle, RV, etc. |
84 mos |
5.75% & |
| RVs/boats, $25,000 minimum |
120 mos |
6.50% & |
| RVs/boats, $25,000 minimum |
180 mos |
7.00% & |
APR = Annual Percentage Rate
* Home Equity Line of Credit is a variable rate, subject to change the first day of January, April, July and October.
** The Annual Percentage Rates (APRs) shown above reflect the current ranges of APRs offered. The APR may be adjusted based on individual credit standing, term loan-to-value and debt-to-income ratio.
*** No pre-payment charges or penalties. No annual fees. Closing costs range from approximately $0 - $1500 based on your approved credit limit. Minimum APR of 3%APR and maximum of 18%APR
& The above rates include the following discounts: Full Service Member (FSM) 0.25% discount for a share account, draft account, direct deposit and payroll deduction. Vehicle, boat, motorcycle and recreational vehicle loans with 20% down payment discount of 0.50%..
|
**TIS/Rates Declared and Paid 12/31/2011
*All rates and yields stated below are accurate as of December 31, 2011, the last dividend declaration date, and are subject to change without notice. Please see below for current rates, but ALWAYS CONTACT THE CREDIT UNION FOR CURRENT RATES, AS THEY ARE SUBJECT TO CHANGE WITHOUT NOTICE!
|
| Savings/**TIS disclosure as of 12/31/11 |
Minimum Balance
|
Dividend Interest Rate
|
APY*
|
| Regular Share |
$0 - $99 |
0.00% |
0.00% |
| Regular Share |
$100 + |
0.30% |
0.30% |
| Child's Share |
$10 + |
0.30% |
0.30% |
| Share Draft |
$0 |
0.00% |
0.00% |
| Christmas |
open |
0.00% |
0.00% |
| Club |
open |
0.00% |
0.00% |
*APY = Annual Percentage Yield
**TIS = Truth in Savings
| Share Certificates/**TIS disclosure as of 12/31/11 |
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
| 6 months term Certificate |
$500 |
0.60% |
0.60% |
| 12 months term Certificate |
$500 |
0.75% |
0.75% |
| 18 months term Certificate |
$500 |
1.10% |
1.11% |
| 24 months term Certificate |
$500 |
1.40% |
1.41% |
| 36 months term Certificate |
$500 |
1.50% |
1.52% |
*APY = Annual Percentage Yield
*A penalty may be imposed for early withdrawal.
**TIS = Truth in Savings
| IRA Shares and Certificates/**TIS disclosure as of 12/31/11 |
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
| IRA Share |
open |
0.30% |
0.30% |
| 6 months term Certificate |
$500 |
0.60% |
0.60% |
| 12 months term Certificate |
$500 |
0.75% |
0.75% |
| 18 months term Certificate |
$500 |
1.10% |
1.11% |
| 24 months term Certificate |
$500 |
1.40% |
1.41% |
| 36 months term Certificate |
$500 |
1.50% |
1.52% |
*APY = Annual Percentage Yield
* A penalty may be imposed for early withdrawal.
**TIS = Truth in Savings
|
CURRENT Rates, Effective 01/01/2012 ALL RATES AND YIELDS GIVEN BELOW ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE ALWAYS CONTACT THE CREDIT UNION FOR CURRENT RATES!
|
| Savings/Current Rates as of 01/01/2012. SUBJECT TO CHANGE WITHOUT NOTICE! |
Minimum Balance
|
Dividend Interest Rate
|
APY*
|
| Regular Share |
$0 - $99 |
0.00% |
0.00% |
| Regular Share |
$100 + |
0.30% |
0.30% |
| Child's Share |
$10 + |
0.30% |
0.30% |
| Share Draft |
$0 |
0.00% |
0.00% |
| Christmas |
open |
0.00% |
0.00% |
| Club |
open |
0.00% |
0.00% |
*APY = Annual Percentage Yield
| Share Certificates/Current Rates as of 01/01/2012 SUBJECT TO CHANGE WITHOUT NOTICE! |
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
| 6 months term Certificate |
$500 |
0.60% |
0.60% |
| 12 months term Certificate |
$500 |
0.75% |
0.75% |
| 18 months term Certificate |
$500 |
1.10% |
1.11% |
| 24 months term Certificate |
$500 |
1.40% |
1.41% |
| 36 months term Certificate |
$500 |
1.50% |
1.52% |
*APY = Annual Percentage Yield
*A penalty may be imposed for early withdrawal.
| IRA Shares and Certificates/Current rates as of 01/01/2012 SUBJECT TO CHANGE WITHOUT NOTICE! |
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
| IRA Share |
open |
0.30% |
0.30% |
| 6 months term Certificate |
$500 |
0.60% |
0.60% |
| 12 months term Certificate |
$500 |
0.75% |
0.75% |
| 18 months term Certificate |
$500 |
1.10% |
1.11% |
| 24 months term Certificate |
$500 |
1.40% |
1.41% |
| 36 months term Certificate |
$500 |
1.50% |
1.52% |
*APY = Annual Percentage Yield
*A penalty may be imposed for early withdrawal |
