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Loans | Mortgage | Savings | Certificates
Rates are subject to change.
Your Annual Percentage Rate for all loans will vary based upon creditworthiness.
Please ask a loan officer for details. |
| Loans |
Rate |
APR* |
Term |
|
| Auto Loans 36 Months |
4.74 |
4.74 |
36 |
Calculator |
| Auto Loans 48 Months |
5.24 |
5.24 |
48 |
Calculator |
| Auto Loans 60 Months |
5.50 |
5.50 |
60 |
Calculator |
| Auto Loans 72 Months |
6.24 |
6.24 |
72 |
Calculator |
| R.V.s and Boats |
8.50 |
8.50 |
144 |
Calculator |
| Personal/Unsecured - 1 - 12 months |
10.25 |
10.25 |
12 |
Calculator |
| Personal/Unsecured 13 - 36 months |
11.25 |
11.25 |
36 |
Calculator |
| Personal/Unsecured 37 - 60 months |
13.25 |
13.25
|
60 |
Calculator |
| Overdraft Line of Credit |
14.900 |
14.900 |
n/a |
Calculator |
*APR = Annual Percentage Rate
The rates shown are "as low as". A maximum of two (2) .25% discounts are possible – depending on other services the borrowing member may have with our credit union. The rates shown above include the two (2) possible discounts. A .25% rate discount may be earned in the following manner - 20% Down Payment, Debit Card, Credit Card or a Direct Deposit with transfer or payroll deduction. A combination of two of these possible discounts will earn the maximum .5% rate discount. Your Annual Percentage Rate for all loans may vary from the stated rate based upon creditworthiness and discounts. Please ask a loan officer for details.
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HOME EQUITY LINE OF CREDIT - VARIABLE RATE*** As Low As
| Rate |
Points |
APR* |
| 4.75% |
0 |
4.75% |
**Fixed Rate Home Equity - 5 Year Term - As Low As
| Rate |
Points |
APR* |
| 5.24% |
0 |
5.74% |
Fixed Rate Home Equity - 6 to 10 Year Term
| Rate |
Points |
APR* |
| 6.75% |
0 |
6.75% |
|
*APR = Annual Percentage Rate
**The rate shown on the 5 year term is "as low as". A maximum of two (2) .25% discounts are possible – depending on other services the borrowing member may have with our credit union. The rates shown above include the two (2) possible discounts. A .25% rate discount may be earned in the following manner - 20% Down Payment, Debit Card, Credit Card or a Direct Deposit with transfer or payroll deduction. A combination of two of these possible discounts will earn the maximum .5% rate discount. Your Annual Percentage Rate for all loans may vary from the stated rate based upon creditworthiness and discounts. Please ask a loan officer for details.
***Home Equity Lines of Credit - This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate is based on the value of an index. The index is the Prime Rate as published in the "Bond, Rates & Yields" Table of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent rate available to us as of 30 days before the date of any annual percentage rate adjustment. To determine the annual percentage rate that will apply to your account we add a margin to the value of the Index. The margin you receive will be based on your credit worthiness. If the rate is not already rounded we then round up to the next .25%. The Annual Percentage Rate may change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, which ever is less. The APR shown is accurate as of 3/18/2008. Consult a tax advisor regarding the deductability of interest.
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| Savings - Regular & IRA |
Minimum Balance |
APY* |
Term |
| REGULAR SHARES |
$5.00 |
0.501 |
n/a |
| CHRISTMAS/HOLIDAY |
$1.00 |
0.250 |
n/a |
| VACATION CLUB |
$1.00 |
0.250 |
n/a |
| SPECIAL PURPOSE |
$1.00 |
0.250 |
n/a |
| IRA's REGULAR, ROTH, EDUCATION |
$1.00 |
1.51 |
n/a |
|
*APY = Annual Percentage Yield
The APY is accurate as of 2/28/2008 and is subject to change without notice. Accounts are insured by NCUSIF up to the maximum allowed by law.
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| Money Market - Regular & IRA |
Minimum Balance |
APY* |
Term |
| Balances Between $.01 and $2,499.99 |
$1.00 |
.501 |
n/a |
| Balances Between $2,500.00 and $9,999.99 |
$2,500.00 |
.501 |
n/a |
| Balances Between $10,000.00 and $49,999.99 |
$10,000.00 |
.879 |
n/a |
| Balances Between $50,000.00 and $74,999.99 |
$50,000.00 |
1.384 |
n/a |
| Balances Between $75,000.00and $99.999.99 |
$75,000.00 |
1.595 |
n/a |
| Balances over $100,000.00 |
$100,000.00 |
1.765 |
n/a |
*APY = Annual Percentage Yield
The APY is accurate as of 2/1/2008 and is subject to change without notice. Accounts are insured by NCUSIF up to the maximum allowed by law.
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| Share Certificates - Regular & IRA |
Minimum Deposit |
APY* |
Term |
| 3 MONTH |
$2,500.00 |
2.50 |
3 |
| 6 MONTH |
$2,500.00 |
2.75 |
6 |
| 12 MONTH |
$2,500.00 |
3.00 |
12 |
| 18 MONTH |
$2,500.00 |
3.00 |
18 |
|
24 MONTH
|
$2,500.00 |
3.25 |
24 |
| 30 MONTH |
$2,500.00 |
3.25 |
30 |
| 36 MONTH |
$2,500.00 |
3.50 |
36
|
| 48 MONTH |
$2,500.00 |
3.50 |
48 |
| 60 MONTH |
$2,500.00 |
3.75 |
60
|
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*APY = Annual Percentage Yield
The APY is accurate as of 2/28/2008 and is subject to change without notice. Accounts are insured by NCUSIF up to the maximum allowed by law. A penalty may be imposed on the principal balance for early withdrawal.
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