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Loans | Savings | Certificates
| Loans |
Rate |
APR* |
Term |
|
| Visa (up to $10,000.00 limit based on approval) |
8.99 |
8.99 |
n/a |
|
| *Signature/LOC (payment based on $3.00 per $100.00) |
9.99 |
9.99 |
n/a |
|
| **Student Education Loan/LOC (payment based on $3.00 per $100.00) |
8.50 |
8.50 |
n/a |
|
| ***Overdraft/LOC (payment based on $3.00 per $100.00) |
15.00 |
15.00 |
n/a |
|
| *Share Secured |
2.50 |
2.50 |
n/a |
Calculator |
| *Non-Titled Collateral (New) |
10.99 |
10.99 |
n/a |
Calculator |
| *New Vehicles |
4.25
|
4.25 |
60 |
Calculator |
| *New Vehicles (over $20,000) |
4.25 |
4.25 |
72 |
Calculator |
| *New Vehicles (over $40,000) |
4.25 |
4.25 |
84 |
Calculator |
| *New Vehicles (over $40,000) |
4.75 |
4.75 |
120 |
Calculator |
| *Used Vehicles (up to $2999.00) |
5.25 |
5.25 |
24 |
Calculator |
| *Used Vehicles ($3,000 - $5,999) |
5.25 |
5.25 |
36 |
Calculator |
| *Used Vehicles ($6,000 - $9,999) |
5.25 |
5.25 |
48 |
Calculator |
| *Used Vehicles ($10,000 - $19,999) |
5.25 |
5.25 |
60 |
Calculator |
| *Used Vehicles (over $20,000.00) |
5.75 |
5.75 |
72 |
Calculator |
| *Used Vehicles (over $40,000.00) |
6.25 |
6.25 |
84 |
Calculator |
| ****Home Equity Loans (up to $15,000.00, Based on WSJ Prime Rate) |
4.00 |
4.00 |
60 |
Calculator |
| ****Home Equity Loans ($15,000.01- $30,000.00. Based on WSJ Prime rate.) |
4.00 |
4.00 |
120 |
Calculator |
| ****Home Equity Loans (over $30.000.00, Based on WSJ Prime Rate) |
4.00 |
4.00
|
180 |
Calculator |
|
APR=Annual Percentage Rate APY=Annual Percentage Yield
*Rates on New and Used vehicles, Share Secured and Non-Titled Collateral advances are based on the approximate term and amount financed. For all other advances, the amount and date of your payment will be established at the time of each advance and will be disclosed on the voucher accompanying the advance.
**Your minimum payment is calculated after each advance as follows:
For each $100 or fraction of $100 of your unpaid Signature/LOC/Student Education Loan balance will be $3.00. However, your minimum payment will never be less than $10.00. (MONTHLY)
***Overdraft/LOC minimum payment will be $25.00 (MONTHLY).
****Home Equity Rates are adjusted with the Prime Rate as published in the Wall Street Journal. Rates are determined by credit score. Your rate may be as low as the Prime Rate. Call or email the credit union for more details.
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|
| Savings |
Dividend Rate |
APY* |
Term |
| Shares |
2.00 |
2.02 |
n/a |
| Share Draft |
0.75 |
0.76
|
n/a |
|
APR=Annual Percentage Rate APY=Annual Percentage Yield. Minimum Deposit of $5.00 to open a Share Account, $50.00, Share Deposit Account. Penalties and fees may apply for balances that fall below the minimum.
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Rates are voted on every Tuesday by noon. The Rates are not effective or posted on this website until the next day, Wednesday. You may call the Credit Union on Tuesday after 12:00 p.m. to verify the rate changes. Last updated: 11-26-2008
| Certificates |
Dividend Rate |
APY* |
Term |
Minimum Deposit |
| |
|
|
|
|
| 6 MON SHARE CERTIFICATE-DIVIDENDS-MONTHLY |
3.60 |
3.66 |
6 |
500.00 |
| 6 MON SHARE CERTIFICATE-DIVIDENDS-QUARTERLY |
3.60
|
3.65 |
6 |
500.00 |
| 12 MON SHARE CERTIFICATE-DIVIDENDS-ANNUALLY |
3.85 |
3.85 |
12 |
500.00 |
| 12 MON SHARE CERTIFICATE-DIVIDENDS-MONTHLY |
3.85 |
3.92 |
12 |
500.00 |
| 12 MON SHARE CERTIFICATE-DIVIDENDS-QUARTERLY |
3.85 |
3.91
|
12 |
500.00 |
| 18 MON SHARE CERTIFICATE-DIVIDENDS-ANNUALLY |
3.94 |
3.94
|
18 |
500.00 |
| 18 MON SHARE CERTIFICATE-DIVIDENDS-MONTHLY |
3.94 |
4.01 |
18 |
500.00 |
| 18 MON SHARE CERTIFICATE-DIVIDENDS-QUARTERLY |
3.94 |
4.00 |
18 |
500.00 |
| 24 MON SHARE CERTIFICATE-DIVIDENS-ANNUALLY |
4.04 |
4.04 |
24 |
500.00 |
| 24 MON SHARE CERTIFICATE-DIVIDENDS-MONTHLY |
4.04 |
4.12 |
24 |
500.00 |
| 24 MON SHARE CERTIFICATE-DIVIDENDS-QUARTERLY |
4.04 |
4.10 |
24 |
500.00 |
| 36 MON SHARE CERTIFICATE-DIVIDENDS-ANNUALLY |
4.13 |
4.13 |
36 |
500.00 |
| 36 MON SHARE CERTIFICATE-DIVIDENDS-QUARTERLY |
4.13 |
4.19 |
36 |
500.00 |
| 36 MON SHARE CERTIFICATE-DIVIDENDS-MONTHLY |
4.13 |
4.21 |
36 |
500.00 |
|
APR=Annual Percentage Rate APY=Annual Percentage Yield
We offer the following certificates: 6 month, 12 month, 18 month, 24 month and 36 months. You may elect to receive dividends paid monthly or quarterly. Minimum balance to earn the advertised annual percentage yield and to open a share certificate is $500.00 There are no activity fees or maintenance fees associated with share certificates. Early termination penalties do apply for early withdrawl.
Rates are subject to change. Rates are reviewed every Tuesday
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