Holiday
Closings
Labor
Day
Monday September 1
Columbus Day
Monday October 13
Veterans Day
Tuesday November 11
Dates
To Remember
|
|
|
Rates
| Effective
05/28/08 |
| Savings |
|
TYPE
OF ACCOUNT
|
APR
|
APY
|
|
Share Savings |
1.25 % |
1.26 % |
|
Share Draft Account |
0.00 % |
0.00 % |
|
Christmas Club |
1.25 % |
1.26 % |
|
Vacation Club |
1.25 % |
1.26 % |
|
Investment Club |
1.25 % |
1.26 % |
|
|
|
|
| IRA
|
3.00 % |
3.04 % |
|
|
|
|
| 6
month Certificate of Deposit $1,000.00 minimum |
2.00 % |
2.02 % |
| 12
month Certificate of Deposit $1,000.00 minimum |
2.50 % |
2.52 % |
| 24
month Certificate of Deposit $1,000.00 minimum |
3.00 % |
3.03 % |
| Effective
05/28/08 |
| Loans |
| Share
Secured |
Term
|
|
|
100 % Share Secured: |
2.50 % above current share dividend rate |
|
|
50 % Share Secured: |
4.50 % above current share dividend rate |
|
| Unsecured
(Signature) Rates* |
|
Less than $1,000 |
-
|
12.50 % |
|
$1,000 - $2,999 |
12 months |
10.50 % |
|
|
13
- 36 months
37
- 48 months
|
12.50
%
12.75
%
|
|
$3,000 and up |
12 months |
9.00 % |
|
|
13 - 36 months |
12.00 % |
|
|
37 - 48 months |
12.50 % |
| ***Maximum
Unsecured (Signature) Loan Amount is $10,000.00 |
|
|
|
|
| Open
End Line Of Credit (3 yr.) |
Revolving Line |
Prime + 5.00 % |
|
|
|
|
| New
Car Loan Rates |
|
|
|
Up to 100 % Financing: |
24 months |
5.50 % |
|
|
36 - 48 months |
5.75 % |
|
|
60 months |
6.00 % |
|
$20,000 And Above |
72 months |
6.75 % |
|
|
84 months |
7.00 % |
|
Up to 85 % Financing: |
24 months |
5.25 % |
|
|
36 - 48 months |
5.50 % |
|
|
60 months |
5.75 % |
|
$20,000 And Above |
72 months |
6.50 % |
|
|
84 months |
6.75 % |
|
Up to 50 % Financing: |
24 months |
5.00 % |
|
|
36 - 48 months |
5.25 % |
|
|
60 months |
5.50 % |
|
|
|
|
| Used
Car Loan Rates |
|
|
*** Current year previously titled vehicles with
25,000 miles or less will be financed as NEW VEHICLE under
existing loan parameters.
Current year previously titled vehicles with over
25,000 miles may be financed as follows: |
|
|
24 months |
6.25 % |
|
|
25 - 36 months |
6.50 % |
|
|
37 - 48 months |
6.75 % |
|
|
60 months |
7.00 % |
|
$20,000 AND ABOVE |
72 months |
7.50 % |
|
|
|
|
| NADA
Retail Value |
|
|
|
1 yr. old vehicle |
max. 60 months |
7.50 % |
|
2 yr. old vehicle |
max. 60 months |
7.75 % |
|
|
|
|
|
NADA Loan Value |
|
|
|
3-4 yr old vehicle |
max. 48 months |
8.00 % |
|
5 yr old vehicle |
max. 48 months |
8.75 % |
|
|
|
|
| Mortgage
Loan Rates |
|
|
| Home
Equity Line Of Credit |
10 yr. (variable rate) |
Prime plus 2.50 %* |
|
|
5 yr. (fixed rate) |
6.50% |
| *Plus
1% application fee on approved limit |
|
|
| First
Mortgage |
|
|
|
(15 yr. balloon) |
30 yr. |
6.35 % * |
|
|
15 yr. |
5.75 % * |
|
|
10 yr. |
5.50 %* |
|
|
5 yr. |
5.25 % * |
| Second
Mortgage - Up to 90 % LTV (primary Residence) and up to
80 % LTV (non primary residence |
|
10
yr. |
7.25
% * |
|
5
yr. |
6.75
% * |
|
|
|
|
| *Plus
1% application fee on approved limit |
|
|
VISA:
One-time $10 application fee.
Maximum credit limit is $10,000 |
11.00 % |
|
|
** Loan Rates are good for new money only. Loans can not
be refinanced to receive the new or lower rate. |
| ***Call
or come by the credit union for information regarding
our rates. Some restrictions may apply. |
|
|
Your
savings federally insured to at least $ 100,000.00 and backed by the
full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.
|
