Rates








Loan Rates                     Share & Certificate Rates

 

LOAN TYPE:  VEHICLE

Vehicle Loans Model Year 2009-2010
TERM APR* EST PAYMENT***
60 months 7.00% $19.81

Vehicle Loans Model Year 2006-2008
TERM APR* EST PAYMENT***
48 months 8.00% $24.42

Vehicle Loans Model Year 2005 & Older
TERM APR* EST PAYMENT***
36 months 9.00% $31.81

 

LOAN TYPE:  SHARE SECURED

Share Secured  Loans    
TERM APR* EST PAYMENT**
60 months Plus 2.50% $18.19

 

LOAN TYPE:  PERSONAL

Personal  Loans    
TERM APR* EST PAYMENT***
36 months 9.00% $31.81

 

LOAN TYPE:  HOME MORTGAGE (1st Mortgages)

Home Mortgage  Loans    
TERM APR* EST PAYMENT***
ASK ASK ASK

 

LOAN TYPE:  HOME MORTGAGE (2nd Mortgages)

Home Mortgage  Loans    
TERM APR* EST PAYMENT***
ASK ASK ASK

LOAN TYPE:  OTHER

Other  Loans (Titled items/Business Properties)    
TERM APR* EST PAYMENT***
ASK ASK ASK

*APR - Annual Percentage Rate

**EST PAYMENT - Estimated payment based on $1000

**EST PAYMENT - Estimated payment based on $1000 against base share rate plus 2.50%

Home Mortgage loans offered may be balloon notes - call CU for current rates

Other Loans - item must have title / Business properties according to CU policy

 



 

 

SHARE SAVINGS 

 Shares - $25.00 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.00% 1.01% Daily/Quarterly
 

CHECKING

 Checking - $100.00 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.00% 1.01% Daily/Quarterly

 

 CERTIFICATE SAVINGS 

Certificates -   6 Month/$3000 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.00% 1.01% Quarterly/Quarterly
Certificates - 12 Month/$3000 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.74% 1.75%

Quarterly/Quarterly

Certificates - 24 Month/$3000 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
2.00% 2.01% Quarterly/Quarterly

Certificates -   6 Month/$500 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.00% 1.01% Quarterly/Quarterly
Certificates - 12 Month/$500 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.50% 1.51% Quarterly/Quarterly
Certificates - 24 Month/$500 Minimum    
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.74% 1.75% Quarterly/Quarterly

YOUTH SAVERS CERTIFICATE  

Certificates -   9 Month/$100 Minimum Youth Savers Ages 0-19 only****
Dividend Rate Annual Percentage Yield Compounding & Crediting
1.25% 1.25%

Simple/Term

 

Certificates are non-assignable and non-transferable to third parties.  Certificates are automatically renewed at the conclusion of the original term, for successive periods identical to the original term and conditions.  The rate of earnings for any renewal term shall be the rate the Credit Union is offering at the renewal time.  No additional deposits are allowed to the certificate except at maturity.  Withdrawal of a share certificate prior to maturity is subject to penalties as stated below whether earned or not.  The penalty prescribed will not be imposed for withdrawal of principal following the death of the account holder. 

Penalties for early withdrawal: 

     Share Savings:  If account closed before the end of the quarter - no dividends paid.

     6 Month Share Certificate:  30 day interest penalty

     9 Month Share Certificate   30 day interest penalty

    12 Month Share Certificate:  90 day interest penalty

    24 Month Share Certificate:  180 day interest penalty

    ****Any member becoming 20 years of age cannot open or renew a Youth Saver's Certificate. 

 Example:  New Certificate or Renewed Certificate date - 9-27-07;  Member's 20th Birthday - 3-27-08; --- NOT ELIGIBLE

 

Call 1-800-244-7168 to order set up on your certificate.  Office hours 8:30 AM to 5 PM Monday through Friday and 8:30 AM to 2 PM on Friday.

 


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