| |
CURRENT DEPOSIT ACCOUNT RATES
RATES EFFECTIVE: May 5, 2008 |
| Account Type |
Minimum |
Rate |
Annual
Percentage
Yield |
| Share |
$25 - $24,999.00
$25,000 - $49,999.00
$50,000 - $999,999.00 |
1.05%
1.30%
1.55% |
1.06%
1.31%
1.56% |
Share Draft
Share Draft |
$1.00
$1,500.00 |
N/A
1.25% |
N/A
1.26% |
| Money Market |
$1,500.00
$5,000.00
$10,000.00
$25,000.00
$50,000.00
$75,000.00
$100,000.00 + |
1.50%
1.75%
1.90%
2.00%
2.40%
2.60%
2.90% |
1.51%
1.76%
1.92%
2.02%
2.43%
2.63%
2.94% |
| 3 Month Certificate |
$1,000.00 |
2.25% |
2.27% |
| 9 Month Certificate |
$2,500.00 |
2.50% |
2.53% |
6 Month Certificate
|
$1,000.00
|
2.15%
|
2.18% |
| 12 Month Certificate |
$1,000.00 |
2.65% |
2.69% |
| 24 Month Certificate |
$1,000.00 |
2.90% |
2.95% |
|
30 Month Certificate |
$1,000.00 |
3.15%
|
3.20% |
|
IRA Variable
IRA Traditional 12 Month CD
IRA Traditional 24 Month CD |
$5.00
$1,000.00
$1,000.00 |
2.00%
2.65%
2.90% |
2.02%
2.69%
2.95% |
| Roth IRA Variable |
$5.00 |
2.00% |
2.02% |
|
Roth IRA 12 Month Certificate |
$1,000.00 |
2.65% |
2.69% |
| Coverdell Savings Variable |
$5.00 |
2.00% |
2.02% |
| Coverdell 12 Month Certificate |
$1,000.00 |
2.65% |
2.69% |
ALL RATES ARE SUBJECT TO
CHANGE FROM THE DATE THE ACCOUNT WAS OPENED.
EARLY WITHDRAWAL PENALTIES MAY APPLY TO ALL CERTIFICATE OF DEPOSIT ACCOUNTS.
FEES MAY REDUCE THE EARNINGS ON AN ACCOUT.
Please contact the credit union for up-to-date rate information and for
important terms and conditons regarding the accounts listed above.
|
CURRENT LOAN RATES
EFFECTIVE: MARCH 2008 |
| Loan Type |
Max. dollar amt. |
|
Min. dollar amt. |
Term |
Annual
Percentage Rate |
Collateral |
|
Unsecured
|
$8,000.00
|
2 sig. |
$500.00
|
12 mos. |
11.00% |
None |
|
36 mos.
48 mos. |
12.00%
13.00%
|
None
None |
| MasterCard |
[contact the credit union for information] |
|
|
Revolving |
|
None |
|
New Car
|
|
$20,000.00
|
72 mos. |
6.25% |
Title
|
| 60 mos. |
5.50% |
| 48 mos. |
5.00% |
| 36 mos. |
4.75% |
|
24 mos.
|
4.75%
|
|
Used Car -
2006 Models and Older
|
|
Credit Score
~
Below 640
640-680
680 or Higher
720 or Higher
|
48 mos. |
6.25% |
Title |
|
60 mos.
60 mos.
60 mos.
60 mos.
|
7.50%
6.99%
6.25%
5.75%
|
| Home Improvement |
$20,000.00 |
All Home Improvement loan require a current tax bill with property assessment.
The following rates apply:
$19.00 Flood Certificate Fee
$175.00 Recording Fee |
84 mos. |
9.00% |
2nd mtg. |
|
| 72 mos. |
8.50% |
48 mos.
24 mos. |
8.00%
7.50% |
|
Home Equity Line of Credit - Variable
|
$100,000.00
LTV not to exceed 75% of property value |
$20,000.00 |
180 mos.
[120 mos. draw & 60 mos. full repayment] |
PrimeRate
Variable Rate - subject to change
Finance Charges accrued monthly |
2nd mtg. |
|
$100,000.00
LTV exceeding 75% of property value
|
$20,000.00
|
180 mos.
[120 mos. draw & 60 mos. full repayment]
|
PrimeRate+1
Variable Rate - subject to change
Finance Charges accrued monthly |
Flood Determination Certificate fee.
Approximate closing costs & recording fees: $375.00 - $1,600.00
Loans over $100,000.00 require the puchase of title insurance not to exceed
$750.00 (quote based on a maximum loan amount of $300,000.00). |
| Second Mortgage |
$100,000.00
Over 75 % LTV up to 100% with approval.
|
|
$20,000.00 |
240 mos.
180 mos. |
7.50%
7.25% |
2nd mtg. |
| 120 mos. |
6.50% |
| 60 mos. |
5.75%
Above rates Plus 1.0% |
We lend up to 75% of property value less any outstanding liens. A property appraisal is required. Approximate closing costs and recording fees: $375.00 - $1,600.00.
Loans over $100,000.00 require the puchase of title insurance not to exceed
$750.00 (quote based on a maximum loan amount of $300,000.00). |
| Secured Share Loans |
90% of share/CD balance |
|
|
|
3% over the annual yield |
|
| |
|
|
|
|
|
Rates Last Changed: March 26, 2008
All Rates are subject to change. Please contact the
credit union to confirm most current rates.
|
|
