| |
CURRENT DEPOSIT ACCOUNT RATES
RATES EFFECTIVE: April 15, 2010 |
| Account Type |
Minimum |
Rate |
Annual
Percentage
Yield |
| Share |
$25.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $999,999.99 |
0.15%
0.35%
0.55%
0.75% |
0.15%
0.35%
0.55%
0.75% |
Share Draft
|
$400.00 - $1,4999.00
$1,500.00 - $9,999.99
$10,000.00 - $999,999.99 |
0.00%
0.10%
0.25% |
0.00%
0.10%
0.25% |
| Money Market |
up to $9,999.00
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00+
|
0.30%
0.35%
0.55%
0.75%
0.85% |
0.30%
0.35%
0.55%
0.75%
0.85% |
| 3 Month Certificate |
$1,000.00 |
0.50% |
0.50% |
| 6 Month Certificate |
$1,000.00 |
0.60% |
0.60% |
| 9 Month Certificate |
$1,000.00 |
0.85% |
0.85% |
| 12 Month Certificate |
$1,000.00 |
0.95% |
0.96% |
| 18 Month Certificate |
$1,000.00 |
1.00% |
1.01% |
| 24 Month Certificate |
$1,000.00 |
1.25% |
1.26% |
30 Month Certificate |
$1,000.00 |
1.85%
|
1.87% |
IRA Variable
IRA Traditional & Roth 12 Month CD
IRA Traditional & Roth 24 Month CD
IRA Traditional & Roth 30 Month CD |
$5.00
$1,000.00
$1,000.00 - $49,000.00
$50,000.00+
$1,000.00 - $49,000.00
$50,000.00+ |
0.95%
1.05%
1.30%
1.35%
1.95%
2.00% |
0.95%
1.06%
1.31%
1.36%
1.97%
2.02% |
| Roth IRA Variable |
$5.00 |
0.95% |
0.95% |
| Coverdell Savings Variable |
$5.00 |
0.95% |
0.95% |
| Coverdell 12 Month Certificate |
$1,000.00 |
1.05% |
1.06% |
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.
GREAT LOW RATES!
click here for details
CONSUMER LOAN RATES
| PERSONAL LOANS |
Max Amt. |
Min. Amt |
Credit Scores |
Vacation Loan - $1500.00
12 mos. |
24
mos. |
36 mos. |
48 mos. |
$6,000.00 - signature
$8,000.00 - 2 signatures
Vacation Loan: Effective till
September 30, 2010
*other promos & rate discounts not applicable. |
$500.00
$500.00
|
680 & higher
640-679
600-639
599 & lower |
A: 7.9%
B: 7.9%
C: 8.9%
D/E: 9.9% |
11.00%
11.50%
12.00%
12.50% |
12.00%
12.50%
13.00%
13.50% |
13.00%
13.50%
14.00%
14.50%
|
| NEW CARS |
| .
|
Credit Scores |
Vehicle Values Financed |
48
mos. |
60 mos. |
72 mos. |
* no salvage/theft recovery vehicles
* 10% down on amounts exceeding $60,000
* 100% financing for qualified borrowers |
680 & higher
640-679
600-639
599 & lower |
A: 100% Retail value
B:90% Retail Value
C: 75% Retail Value
D/E: 75% Retail Value |
5.00%
5.25%
5.75%
6.25% |
5.25%
5.50%
6.25%
6.75% |
5.50%
5.75%
6.75%
7.25% |
| Note: 72 mos. term requires minimum $20,000.00 |
VSI fee $32.92 applied to all auto loan financing |
| USED CARS - MODELS 2009 - 2007 |
| .
|
Credit Scores |
Vehicle Values Financed |
48
mos. |
60 mos. |
. |
*no salvage/theft recovery vehicles
*Title filing fee $25.00 on auto refinances
*Finance up to 90% of the average
Trade-in value by NADA guide |
680 & higher
640-679
600-639
599 & lower |
A: Clean Retail Value
B: Clean Trade-in Value
C: Average Trade-in Value
D/E: Average Trade-in Value |
5.75%
6.50%
8.00%
9.50% |
6.00%
7.25%
9.50%
11.00% |
|
| |
VSI fee $32.92 applied to all auto loan financing |
| USED CARS - MODELS 2006 - 2004 |
| .
|
Credit Scores |
Vehicle Values Financed |
48
mos. |
60 mos. |
. |
*no salvage/theft recovery vehicles
*Title filing fee $25.00 on auto refinances |
680 & higher
640-679
600-639
599 & lower |
A: Clean Retail Value
B: Clean Trade-in Value
C: Average Trade-in Value
D/E: Average Trade-in Value |
6.75%
7.75%
9.25%
10.75%
|
7.25%
8.50%
10.00%
11.50%
|
|
| |
VSI fee $32.92 applied to all auto loan financing |
| USED CARS - MODELS 2003 & OLDER |
| .
|
Credit Scores |
Vehicle Values Financed |
48
mos. |
|
. |
*no salvage/theft recovery vehicles
*Title filing fee $25.00 on auto refinances
*Finance up to 50% of the average
Trade-in value by NADA guide |
Single rate |
Average Trade-in Value |
13.00%
|
|
|
| |
VSI fee $32.92 applied to all auto loan financing |
| HOME EQUITY LINE OF CREDIT - VARIABLE RATE |
Max Amt. |
Min. Amt |
Credit Score |
|
180 mos. |
. |
. |
| $500,000.00 |
$20,000.00 |
N/A |
|
4.0% |
|
|
* Approximate closing costs: $375 - $889.00
* Finance up to 80% of property value less outstanding liens.
Note: loans over $100,000.00 require the purchase of title insurance not to exceed $750.00 (quote based on a maximum loan amount of $300,000.00) |
| SECOND MORTGAGE LOANS |
Max Amt. |
Min. Amt |
Credit Score |
60
mos. |
120
mos. |
180
mos. |
240
mos. |
| $500,000.00 |
*$20,000.00 |
N/A |
5.75% |
6.50% |
7.25% |
7.50% |
* Approximate closing costs: $375 - $889.00
Finance up to 80% of property value less outstanding liens.
Note: loans over $100,000.00 require the purchase of title insurance not to exceed $750.00 (quote based on a maximum loan amount of $300,000.00) |
| SHARE SECURED LOANS |
| 90% of share/CD blance |
3.0% over the share/CD APY |
| |
Loan Rates Last Changed: June 4, 2010
All Rates are subject to change. Please contact the
credit union to confirm most current rates.
|
