Loan Rates
Effective September 14th, 2009
|
Products |
Term |
as low as |
Range |
|
New/Used Vehicle-2010, 09 & 08 |
Up to 72 months* |
5.00%* |
5.00% - 17.00% |
|
Used Vehicle-07 and older |
Up to 60 months |
5.25%* |
5.00% - 17.75% |
|
RV's $25,000 or more 5 yr balloon |
Up to 240 months |
6.00%* |
6.00% - 17.75% |
|
RV's $20,000-25,000 5 yr balloon |
Up to 180 months |
6.00%* |
6.00% - 17.75% |
|
RV's $15,000-20,000 5 yr balloon |
Up to 120 months |
6.00%* |
6.00% - 17.75% |
|
RV's $10,000-15,000 5 yr balloon |
Up to 84 months |
6.00%* |
6.00% - 17.75% |
|
Personal Loan |
Up to 60 months |
8.95%* |
8.95% - 17.95% |
|
Money Line Checking |
Revolving |
15.99%* |
|
|
Signature Loans |
Up to 60 months |
8.95%* |
8.95% - 17.95% |
|
Visa Classic Credit Card |
Payment=3% of balance |
13.90%* |
|
|
Visa Gold Credit Card |
Payment=3% of balance |
9.90%* |
|
|
Mortgages |
5yr ballons |
5.50% - 9.25% |
|
|
Mortgages |
15 and 30yr fixed |
Talk to our loan dept. |
|
|
Home Equity Line |
Revolving |
*as low as 4.00%(4.00%-6.75%) |
|
Fixed Rate 2nd Mortgage |
Up to 20 years |
9.0% |
|
|
|
|
|
|
Terms are dependent upon amount financed. FIXED RATES for *asterisked* loan categories represent the lowest rate available to qualified borrowers. Rates are based on the member's credit history. A range of all rates is listed. 100% financing and 72 month term available for vehicle loans of $25,000 or more to qualified borrowers. 100% financing and 60 month term available for motorcycle loans of $15,000 or more to qualified borrowers.
Deposit RatesEffective April 12, 2010
|
Account Name |
Amount |
APY* |
|
Prime Share Saving Account |
$1,000.01 - $5,000 |
0.25% |
|
|
$5,000.01 - $10,000 |
0.50% |
|
|
$10,000.01 - up |
0.75% |
|
Money Market Account |
$2,500 - $20,000 |
0.75% |
|
|
$20,000.01 - $50,000 |
1.01% |
|
|
$50,000.01 - $75,000 |
1.11% |
|
|
$75,000.01 - up |
1.21% |
|
Vacation Club Account |
|
Same as the Prime Share Account |
|
Christmas Club Account |
|
Same as the Prime Share Account |
|
Kids Club Account |
|
1.00% |
|
Share Pledge Account |
|
Same as the Prime Share Account |
|
IRA Shared Savings Account |
|
1.00% |
*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are based on the Credit Union's earnings at the end of the dividend period and therefore cannot be guaranteed. Contact a Credit Union employee about applicable fees and terms.
Certificate Rates
Effective April 10, 2010
|
|
Tiered Balance Yield |
|
Terms |
APY |
APR |
BONUS APY |
*BONUS* APR |
**JUMBO RATE** |
|
6 months |
0.50% |
0.50% |
0.75% |
0.75% |
APY |
APR |
|
12 months |
1.00% |
1.00% |
1.26% |
1.25% |
1.26% |
1.25%
|
|
18 months |
1.26% |
1.25% |
1.51% |
1.50% |
1.51% |
1.50% |
|
24 months |
1.51% |
1.50% |
1.76% |
1.75% |
1.76% |
1.75% |
|
36 months |
2.02% |
2.00% |
2.27% |
2.25% |
2.27% |
2.25% |
|
48 months |
2.27% |
2.25% |
2.53% |
2.50% |
2.53% |
2.50% |
|
60 months |
2.79% |
2.75% |
3.04% |
3.00% |
3.04% |
3.00% |
APR is Annual Percentage Rate. APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise requested, dividends will be credited to your certificate either quarterly or at maturity based on the certificate term. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. *Qualifications to receive the bonus rate: three or more services - checking, visa, certificate, loan, direct deposit, payroll decution, ATM/Debit Card, prime share $2,500 or more, or an aggregate of $25,000 or more, and GAC - Golden Age Club Member over 55 years old.
**JUMBO RATES = $90,000.00 IN ONE CERTIFICATE Rates subject to change.
