|
Date Effective
February 28, 2008
|
| Consumer Loan Type |
Term |
APR* as low as
|
New Vehicles
2008,2007,2006,2005, and 2004 |
24 Mon. |
4.74%* |
| |
36 Mon. |
4.99%* |
| |
48 Mon. |
5.24%* |
| |
60 Mon. |
5.49% * |
| |
72 Mon |
5.74% * |
| |
|
|
Older Used/Classic Vehicles
2003 and older |
24 Mon |
6.74% * |
| |
36 Mon |
7.24% * |
| |
48 Mon |
7.74% * |
| |
|
|
Newer Boats and Motorcycles
2008 and 2007
New Boats Maximum Term 72 Months
Newer Motorcycles Maximum Term 60 Months |
24 Mon |
5.49% * |
| |
36 Mon |
5.74% * |
| |
48 Mon |
5.99% * |
| |
60 Mon |
6.24% * |
| |
72 Mon |
6.49% * |
| |
|
|
| Used Boats and Motorcycles 2006 and older used boats max. term 72 mon. used motorcycles max term 60 mon. Included Jet Skies |
24 Mon |
5.99% * |
| |
36 Mon |
6.24% * |
| |
48 Mon |
6.49% * |
| |
60 Mon |
6.74% * |
| |
72 Mon |
7.24% * |
| |
|
|
| |
|
|
| Share Secured |
as low as |
6.00% * |
| Signature (unsecured) |
as low as |
11.50%* |
| |
|
|
| Used Recreational Vehicles |
24 Mon |
6.49% * |
| |
36 Mon |
6.74% * |
| |
48 Mon |
6.99% * |
| |
60 Mon |
7.24% * |
| |
5-10 Yrs |
7.49% * |
| |
|
|
| New Recreational Vehicles |
24 Mon |
6.24% * |
| |
36 Mon |
6.49% * |
| |
48 Mon |
6.74% * |
| |
60 Mon |
6.99% * |
| |
5 to 10 yrs |
7.25% * |
| |
|
|
| Farm Equipment and Electronics |
24 Mon |
6.49% * |
| |
36 Mon |
6.74% * |
| |
48 Mon |
6.99% * |
| |
60 Mon |
7.24% * |
| |
|
|
| Real Estate Loans - Match Rate Down to 6.5% on 1st Liens, 2nd Mortgage and Balloon Products |
|
1st Liens
|
0-5 yrs as low as |
5.99% * |
| |
5-10 yrs as low as |
6.49% * |
| |
10-15 yrs as low as |
6.99% * |
|
2nd Mortgage
|
0-5 yrs as low as |
6.49% * |
| |
5-7 yrs as low as |
6.99%* |
| |
7-10 yrs as low as |
7.49% * |
|
2nd Mortgage Balloon Products
|
5yr as low as |
6.49% * |
|
|
|
|
| |
|
|
| Balloon Mortgage* |
5 Yrs |
5.99% * |
| |
7 Yrs |
6.49% * |
| |
|
|
| Bridge Loan* |
9% * Max 7 month up to 100% |
| Construction and Land Loan |
9% * Max 1 yr term up to 80% |
| |
|
|
| Mobile Home Loan |
0-5 Yrs |
6.50% * |
| |
5-10 Yrs |
7.00% * |
| |
10-15 Yrs |
9.00% * |
APR = Annual Percentage Rate.
Maximum Terms allowable are shown. Please ask for further information on available terms for the loan type you are interested in. Property must be owner-occupied. If appraisal is necessary & is insufficient to meet loan request amount, the appraisal fee will be charged to the applicant. Property insurance is required. Consult your tax advisor for deductibility of interest. Subject to credit approval. Some limitations apply. Fixed rate sample monthly payment on $20,000 2nd Mortgage Loan at 7.9% APR with 30 days before first payment for 120 months is $241.70 without Payment Protection.
*APR = Annual Percentage Rate.Auto Loan Rates are determined by individual credit profile, terms and age of vehicle.
Personal Loan Rates are determined by individual credit profile
|
Current Dividend Rates
As of October 1, 2007
|
| |
Dividend
Rate
|
APY* |
Regular Share Account
($100.00 Minimum Average Daily Balance to earn dividends) |
1.25% |
1.25% |
| Christmas, Vacation, & Special Shares |
1.25% |
1.25% |
PeeWee, Club Varsity, & Under 21 Shares
($5.00 Minimum Average Daily Balance to earn dividends) |
1.25% |
1.25% |
Share Draft Checking
($200.00 Minimum Average Daily Balance to earn dividends) |
0.75% |
0.75% |
| Under 21 Share Draft Checking |
0.75% |
0.75% |
| |
| IRA Shares |
|
$100.00-$1,499.00
|
1.25% |
1.25% |
| $5,000.00 & Over |
2.50% |
2.50% |
| ($100.00 Minimum Average Daily Balance to earn Dividends) |
| |
| Money Market Savings Accounts * |
| $100.00 - $1,499.99 |
1.25% |
1.25% |
| $1,500.00 - $9,999.99 |
1.75% |
1.75% |
| $10,000.00 - $24,999.99 |
2.25% |
2.25% |
| $25,000.00 & Over |
2.75% |
2.75% |
| |
|
|
| Premier Money Market Savings Accounts * |
| $2,500 & Over |
** |
** |
| (** You find the best rate in town and we will match it for 90 days) |
Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed. *APY=Annual Percentage Yield. (1)Variable Rate account: the rate may change after opening. (2)For the purposes of this disclosure, this is a rate and APY as of the last dividend date. These Dividend Rate(s) and APY(s) may change every dividend period as determined by our Board of Directors. (3)Variable Rate Account will earn the rate/yield based on the dollar amount in each tier. Ask us for further information about the fees and other terms that apply to these accounts.
* A Penalty may be imposed for early withdrawal.
* Rates subject to change without notice
|
Certificate Rates *
Effective Date 03-04-08
|
|
Term
|
Regular Certificate
Account
$500 Min
|
Mini-Jumbo Certificate
Account
$10,000 Min
|
Jumbo Certificate
Account
$50,000 Min
|
IRA Regular
Certificate Account
$500 Min
|
IRA Mini-Jumbo
Certifiate Account
$10,000 Min
|
|
90 days
|
2.50%
|
2.70%
|
2.75%
|
2.60%
|
2.75%
|
|
6 Months
|
2.55%
|
2.75%
|
2.80%
|
2.65%
|
2.80%
|
|
12 Months
|
2.65%
|
2.85%
|
2.90%
|
2.75%
|
2.90%
|
|
18 Months
|
2.70%
|
2.90%
|
2.95%
|
2.80%
|
2.95%
|
|
24 Months
|
2.75%
|
2.95%
|
3.00%
|
2.85%
|
3.00%
|
|
30 Months
|
2.80%
|
3.00%
|
3.05%
|
2.90%
|
3.05%
|
|
36 Months
|
2.85%
|
3.05%
|
3.10%
|
2.95%
|
3.10%
|
|
48 Months
|
2.90%
|
3.10%
|
3.15%
|
3.00%
|
3.15%
|
|
60 Months
|
2.95%
|
3.15%
|
3.20%
|
3.05%
|
3.20%
|
* A Penalty may be imposed for early withdrawal.
* Rates subject to change without notice
For information about matching Money Market or CD rates, Contact Patti at 402-935-3227
|
