| 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 |
| 2.75% |
2.78% |
Quarterly/Quarterly |
| Certificates - 12 Month/$3000 Minimum |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 2.97% |
3.00% |
Quarterly/Quarterly
|
| Certificates - 24 Month/$3000 Minimum |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 3.41% |
3.45% |
Quarterly/Quarterly |
| Certificates - 6 Month/$500 Minimum |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 2.50% |
2.52% |
Quarterly/Quarterly |
| Certificates - 12 Month/$500 Minimum |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 2.50% |
2.52% |
Quarterly/Quarterly |
| Certificates - 24 Month/$500 Minimum |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 2.50% |
2.52% |
Quarterly/Quarterly |
YOUTH SAVERS CERTIFICATE
| Certificates - 9 Month/$100 Minimum |
Youth Savers |
Ages 0-19 only**** |
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 3.00% |
3.00% |
Simple/Term
|
IRA SAVINGS/CERTIFICATES
| Traditional IRA - Regular Savings |
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 1.00% |
1.01% |
Quarterly/Quarterly |
|
IRA Traditional Certificate - 24 Month/$3000 Minimum
|
|
|
| Dividend Rate |
Annual Percentage Yield |
Compounding & Crediting |
| 2.75% |
2.78% |
Quarterly/Quarterly |
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.
