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Loans | Mortgage | Savings | Certificates
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Rates are effective as of 01/02/2009
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Secured Loans
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Credit Rating
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A+
APR*
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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E
APR*
|
|
24 Month
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5.99
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6.49
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6.99
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8.99
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12.49
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16.29
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36 Month
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5.99
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6.49
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6.99
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8.99
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12.49
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16.29
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48 Month
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5.99
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6.49
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6.99
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8.99
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12.49
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16.29
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60 Month
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5.99
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6.49
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6.99
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8.99
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12.49
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N/A
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72 Month
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6.99
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7.49
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7.99
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9.99
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N/A
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N/A
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Personal Loans
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Credit Rating
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A+
APR*
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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E
APR*
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12 – 60 Months
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8.99
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10.99
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12.99
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14.99
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17.99
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17.99
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HELOC Loans up to 90% LTV
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Term
|
APR*
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|
180 Months
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3.00
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|
|
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**The maximum APR will not exceed 14.5%. Based on the Prime Rate in effect on 10/30/2008 your APR for Prime minus 1.25% would be 3.00%. This rate may vary quarterly. Your line is secured by a mortgage on your home and property insurance is required. If your line of credit is paid and your home equity mortgage is discharged within four years of origination, closing costs must be returned to the credit union. There are no annual fees. Consult a tax advisor regarding deductibility of interest.
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Fixed Rate Home Equity Loans up to 90% LTV
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Term
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APR*
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0 – 84 Months
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6.19
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85 – 120 Months
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6.19
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121 – 180 Months
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6.19
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30-year 1st Mortgage
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Rate
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Points
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APR*
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5.125
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0
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5.13
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20-year 1st Mortgage
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Rate
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Points
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APR*
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5.000
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0
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5.02
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15-year 1st Mortgage
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Rate
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Points
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APR*
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4.750
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0
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4.77
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Savings
(Regular Shares 01 & 02, Holiday Club ** 03, & Alternate Shares 09)
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Dividend Rate
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APY*
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100 – 2,499.99
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.50
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.50
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2,500 – 24,999.99
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.50
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.50
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25,000 – 49,999.99
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.50
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.50
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50,000 – 74,999.99
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.50
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.50
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75,000 and over
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.50
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.50
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* APY = Annual Percentage Rate
** Withdrawal fees apply if withdrawals are made prior to the September 30th disbursement date
Minimum Opening Balance - $5.00
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Money Market Savings
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Dividend Rate
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APY*
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2,500 – 24,999.99
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2.08
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2.10
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25,000 – 49,999.99
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2.13
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2.15
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50,000 – 74,999.99
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2.62
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2.65
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75,000 and over
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2.72
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2.75
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* APY = Annual Percentage Yield
Minimum Opening Deposit - $2,500.00
Minimum balance fees apply
Excessive withdrawal fees apply on withdrawals exceeding the 3 free per month
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Individual Retirement Account (IRAs)
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Dividend Rate
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APY*
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100 – 24,999.99
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2.72
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2.75
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25,000 – 49,999.99
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3.11
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3.15
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50,000 – 74,999.99
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3.21
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3.25
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75,000 and over
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3.31
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3.35
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* APR = Annual Percentage Rate
* APY = Annual Percentage Yield
Minimum Opening Balance - $100.00
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Checking Plus Account
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Dividend Rate
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APY*
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10,000 and over
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2.00
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2.02
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* APY = Annual Percentage Yield
Minimum Opening Deposit - $10,000.00
Minimum Balance Fees Apply
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Term Share Certificates
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Dividend Rate
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APY* | |
