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Rates effective as of February 1, 2012
| Risk-Based Lending: |
A
Score*
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B
Score*
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C
Score*
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D
Score*
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| Credit Score |
680 +
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641-679
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600-640
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Below 599
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| Market Rates |
APR
|
APR +1
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APR +2
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APR +3.5
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| Signature Loans |
APR
|
APR+ 1
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APR + 2
|
APR +3.5
|
| New & Used Autos |
APR
|
APR + 1
|
APR + 2
|
APR +3.5
|
| Fixed Home Equity Loans |
APR
|
APR + 1
|
APR + 2
|
APR +3.5
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*APR = Annual Percentage Rate Subject to change without notice.
| Loans- "A" Paper Rates |
Term
|
Rate
|
APR*
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Calculator
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| New Auto loan rates (as low as)* |
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Monthly payment per $1,000 borrowed= $42.87
|
24 months
|
2.74%
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2.74%
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Calculator
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Monthly payment per $1,000 borrowed= $29.09
|
36 months
|
3.00%
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3.00%
|
Calculator
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Monthly payment per $1,000 borrowed= $22.25
|
48 months
|
3.25%
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3.25%
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Calculator
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Monthly payment per $1,000 borrowed= $18.20
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60 months
|
3.50%
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3.50%
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Calculator
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minimum $25,000 Monthly payment per $1,000 borrowed= $15.53
|
72 months
|
3.74%
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3.74%
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Calculator |
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Used Auto loan rates (as low as)*
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Monthly payment per $1,000 borrowed= $42.87
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24 months
|
2.74%
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2.74%
|
Calculator
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Monthly payment per $1,000 borrowed= $29.09
|
36 months
|
3.00%
|
3.00%
|
Calculator
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Monthly payment per $1,000 borrowed= $22.25
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48 months
|
3.25%
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3.25%
|
Calculator
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minimum $20,000Monthly payment per $1,000 borrowed= $18.20
|
60 months
|
3.50%
|
3.50%
|
Calculator
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Boat loans (Max term 72 months, Max amount $50,000) Please contact the lending department for further details!
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| Real Estate: |
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| Fixed Rate First Mortgages up to 30 Years: |
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| Contact the lending department for details. |
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| Home Equity " Lines- of -Credit" |
15 Years
|
4.00%**
|
4.00% **
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|
**Tied to the "Prime Rate" as published in the Wall Street Journal. This rate may vary.Maximum rate is 18%. Monthly payment per $1,000 borrowed at 4.0% for 15 years is $7.40.
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| Home Equity Fixed Rates: |
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Monthly payment per $1,000 borrowed= $18.76
|
5 Years
|
4.75%
|
4.75%
|
Calculator
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Monthly payment per $1,000 borrowed= $14.13
|
7 Years
|
5.00%
|
5.00%
|
Calculator
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Monthly payment per $1,000 borrowed= $10.12 (promotion)
|
10 Years
|
3.99%
|
3.99%
|
Calculator
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Monthly payment per $1,000 borrowed= $8.17
|
15 Years
|
5.50%
|
5.50%
|
Calculator
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| Unsecured / Signature loans: |
48 months
|
12.00%
|
12.00%
|
Calculator
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Monthly payment per $1,000 borrowed= $26.38
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| VISA Credit Card: |
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| VISA Classic: |
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12.00%
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12.00%
|
Calculator
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| VISA Platinum Rewards Card: |
|
9.60%
|
9.60%
|
Calculator
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| Overdraft Protection: ($2,500 maximum) |
48 months
|
12.00%
|
12.00%
|
Calculator
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| Monthly payment per $1,000 borrowed= $26.38 |
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| Share Secured: |
60 months
|
Regular share rate + 5%
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Calculator
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| Certificate Secured: |
Term of CD
|
CD rate +1%
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Calculator
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| Stock Secured: (70% of stock value) |
60 months
|
Regular share rate + 5% |
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Calculator
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*APR = Annual Percentage Rate. Fees may increase the APR.
| Savings and Transaction Account Disclosure- All dividends are compounded monthly, credited an paid monthly. Dividends are determined using the Daily Balance method. All rates and APY may change at the discretion of the Board. Fees related to Share accounts are presented on the fee schedule. Penalties for early withdrawal of share certificates may apply. Upon maturity of a Share Certificate the proceeds will be credited to the Share Account unless the Credit Union was otherwise notified. |
|
Savings
|
Minimum
Amount to Open Account
|
Minimum Balance to Earn Dividend
|
Dividend Rate
|
APY*
|
Calculator
|
| Regular Share Account |
$25.00
|
-0-
|
.15%
|
.15%
|
Calculator
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Holiday Share and Club Account
|
-0-
|
-0-
|
.15%
|
.15%
|
Calculator
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Vacation Share and Club Account
|
-0-
|
-0-
|
.15%
|
.15%
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Calculator
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| IRA Share Accounts |
-0-
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-0-
|
.25%
|
.25%
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Calculator
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| Share Draft |
-0-
|
$1,000.00 |
.05%
|
.05%
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Calculator
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*APY = Annual Percentage Yield. Rates may change after the account is opened and may change without notice. Fees may reduce the APY.
Share Certificates |
Minimum
Amount to Open Account
|
Minimum Balance to Earn Dividend
|
Dividend Rate
|
APY*
|
Calculator
|
| 3 month certificate** |
$2,000
|
$2,000
|
.25%
|
.25%
|
Calculator
|
|
6 month certificate**
|
$2,000
|
$2,000
|
.50%
|
.50%
|
Calculator
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12 month certificate**
|
$2,000
|
$2,000
|
.65%
|
.6519%
|
Calculator
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24 month certificate**
|
$2,000
|
$2,000
|
.95%
|
.954%
|
Calculator
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36 month certificate**
|
$2,000
|
$2,000
|
1.05%
|
1.055%
|
Calculator
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| A substantial penalty of 90 days dividends will be imposed for early withdrawal. |
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| *APY = Annual Percentage Yield. Rates subject to change without notice. Fees may reduce the APY. |
| ** Certificates two years and longer and over $75,000 will receive an additional .15% above the regular certificate rate. |
|
Share Certificates
|
Minimum
Amount to Open Account
|
Minimum Balance to Earn Dividend
|
Dividend Rate
|
APY*
|
Calculator
|
|
24 month certificate**
|
$75,000
|
$75,000
|
1.05%
|
1.06%
|
Calculator
|
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36 month certificate**
|
$75,000
|
$75,000
|
1.20%
|
1.21%
|
Calculator
|
| A substantial penalty of 90 days dividends will be imposed for early withdrawal. |
|
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| *APY = Annual Percentage Yield. Rates subject to change without notice. Fees may reduce the APY. |
| ** Certificates two years and longer and over $75,000 will receive an additional .15% above the regular certificate rate. |
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