| Loan & Investment
Account Rates
To review our latest loan and investment account
rates, please click on your area of interest below:
Investments
| Product |
Required
Balance |
Rate |
APY
|
| |
|
|
|
| Regular & Special Shares |
$5.00 to $4,999.99 |
0.02%
|
0.02%
|
| (Effective
1/01/11) |
$5,000 to $19,999.99 |
0.05%
|
0.05%
|
| |
$20,000 to $49,999.99 |
0.10%
|
0.10%
|
| |
$50,000 and over |
0.15%
|
0.15%
|
| |
|
|
|
| Share Draft* |
$500 |
0.10%
|
0.10%
|
| (Effective
11/01/10) |
|
|
|
| (*
Dividends are paid to share draft accounts with an average daily
balance of $500 or more) |
| |
|
|
|
| IRA Shares |
$5.00 and over |
0.10%
|
0.10%
|
| |
|
|
|
| Money Markets |
$5,000 to $25,000 |
0.30%
|
0.30%
|
| (Effective
1/01/12) |
$25,001 to 75,000 |
0.35%
|
0.35%
|
| |
$75,001 to $200,000 |
0.60%
|
0.60%
|
| |
$200,001 and over |
0.65%
|
0.65%
|
| |
|
|
|
| Certificates |
Term |
Rate |
APY
|
| |
|
|
|
| Regular Share Certificates |
6 Months |
0.40%
|
0.40%
|
| (Effective
12/12/11) |
1 Year |
0.60%
|
0.60%
|
| |
2 Years |
0.90%
|
0.90%
|
| |
3 Years |
1.00%
|
1.00%
|
| |
5 Years |
1.50%
|
1.51%
|
| |
|
|
|
| IRA Share Certificates |
6 Months |
0.40%
|
0.40%
|
| (Effective
12/12/11) |
1 Year |
0.60%
|
0.60%
|
| |
2 Years |
0.90%
|
0.90%
|
| |
3 Years |
1.00%
|
1.00%
|
| |
5 Years |
1.50%
|
1.51%
|
Call about our certificate specials. Jumbo Certificates
are also available. Ask a Member Service Representative for details.
Secured Loans
| Loan
Type |
Maximum
Amount |
Term |
APR
|
| (All
rates in this category are effective as of 1/01/12) |
|
|
New Auto, Truck or Recreational
Vehicle
|
100% of selling price |
Up to 72 Months |
As low as 1.99%
|
| Used Auto, Truck or RV
Price |
100% of selling price |
Up to 60 Months |
As low as 3.00%
|
| New/Used Boat or Motorcycle |
100% of selling price |
Up to 54 Months |
As low as 4.00%
|
| New/Used All-Terrain Vehicles |
100% of selling price |
Up to 48 Months |
As low as 12.99%
|
| Share/Certificate Secured
Loan |
Value of pledged shares |
No Set Term |
3% Differential
|
Revolving Credit Loans
| Loan
Type |
Maximum
Amount |
Term |
APR
|
| |
|
|
|
Premium VISA Card
|
$20,000 |
N/A |
11.90%
|
| VISA Classic Card |
$10,000 |
N/A |
17.92%
|
Unsecured and Personal
Loans
| Loan
Type |
Maximum
Amount |
Term |
APR
|
| |
|
|
|
Signature - Open End
|
$20,000 |
Up to 48 Months |
As low as 12.99%
|
Consolidation - Open End
|
No Limit |
Up to 36 Months |
As low as 12.99%
|
| Overdraft Line of Credit |
$5,000 |
Up to 60 Months* |
As low as 12.99%
|
* Payment for Overdraft Line of Credit is based
on a 60-month payout on a maximum balance line of credit.
Student/Education Loans
Our student loans are now being offered directly through the U.S.
Government. To learn more, please go to www.FAFSA.ed.gov.
Home Equity Loans*
| Program |
75%
or less LTV**
|
76
- 80% LTV
|
| |
|
|
| Variable - Open End 1-15
Year Maximum |
Prime Rate 3.25%
|
Prime Rate 3.25%
|
Fixed - Open End
5 Year Term |
3.49%*
|
3.49%*
|
Fixed - Closed End
10 Year Term |
4.00%
|
4.00%
|
Fixed - Closed End
15 Year Term |
4.75%
|
4.75%
|
Fixed - Closed End
20 Year Term |
5.00%
|
5.00%
|
* Maximum amount for a real
estate loan - $300,000.
**LTV is the Loan to Value of the home. If a home is valued at $100,000,
80% loan to value is $80,000. The credit union will lend you the
difference between what is owed on the home and the LTV amount.
That is, if you owed $50,000 on the example above, the credit union
would lend you up to $30,000, based on your ability to repay.
Calculate Payments
Fee Schedule
For more information about our loans, call our
lending department at (609) 631-4300 or toll-free at (800) 449-3221.
|
|
