|
LOANS (VEHICLE | SIGNATURE | SECURED | REAL ESTATE) — SAVINGS RATES
| VEHICLE LOANS |
|
VEHICLE
|
ANNUAL PERCENTAGE
RATE
|
TERM
|
FINANCING
|
|
New Autos (2010, 2009 & 2008)
|
5.00% - 9.00%
|
60 - 84
|
90% - 100%
|
|
|
months
|
|
|
|
|
|
Used Autos
|
6.00% - 13.00%
|
36 - 60
|
90% - 100%
|
|
|
months
|
|
|
New Boats (2010, 2009 & 2008)
|
6.00% - 8.00%
|
84 - 96
|
90% - 100%
|
|
|
months
|
|
|
Used Boats
|
7.00% - 9.00%
|
72 - 84 months
|
90% - 100%
|
|
|
|
|
|
New RVs (2010 & 2009, 2008)
|
6.00% - 8.00%
|
84 - 120
|
90% - 100%
|
|
|
months
|
|
|
Used RVs
|
7.00 % - 9.00%
|
72 - 84
|
90% - 100%
|
|
|
months
|
|
|
New & Used Motorcycles (Street Legal)
|
8.00% - 10.00%
|
48 - 60
|
90% - 100%
|
|
|
months
|
|
|
New & Used Motorcycles (Off-Road)
|
10.00% - 12.00%
|
36 - 48 M
|
50%
|
|
New & Used Heavy Equipment
|
10.00% - 12.00%
|
36 - 48 M
|
50%
|
|
New & Used Snowmobiles and Jet Skis
|
10.00% - 12.00%
|
36 - 48 M
|
50%
|
Back to Top
| SIGNATURE LOANS |
|
AMOUNT
|
Closed End
|
Line of Credit
|
|
|
$500 - $10,000
|
10.00% - 15.00%
|
Prime + 3.00%
|
|
Back to Top
| VISA CREDIT CARDS |
|
CREDIT LIMITS
|
ANNUAL PERCENTAGE RATE
|
|
$500 - $10,000
|
9.00%
|
|
|
|
Back to Top
| SHARE SECURED (Floor on Share Secured Rate is 3.50%) |
|
ANNUAL PERCENTAGE RATE
|
TERM
|
|
3.75%
|
60 M
|
|
4.75%
|
120 M
|
| REAL ESTATE LOANS |
|
TYPE
|
FINANCING
|
ANNUAL PERCENTAGE RATE
|
TERM
|
AMOUNT
|
|
New Manuf'd Home
|
80%
|
9.50%
|
10 Yrs
|
$200,000
|
|
Used Manuf'd Home
|
60%
|
9.50%
|
10 Yrs
|
$200,000
|
|
Purchases
|
80%
|
5.00%
|
5 Yr Balloon
|
$200,000
|
|
1st Mortgage Refinance
|
80%
|
5.00%
|
15 Yrs
|
$200,000
|
|
Home Equity 1st
|
80%
|
4.50%
|
10 Yrs
|
$200,000
|
|
Home Equity 2nd
|
75% minus 1st mortgage
|
4.50%
|
10 Yrs
|
$200,000
|
|
Home Equity LOC
|
75% minus 1st mortgage
|
4.50%
|
10 Yrs
|
$200,000
|
|
Raw Land
|
80%
|
12.00%
|
10 Yrs
|
$50,000
|
| * |
If converted to a Land and Home package, it is figured as a regular real estate loan at a lower rate |
| ** |
Variable Rate. No lower than 4.50%, no higher than 12.00%. Adjusts twice a year (January and July) |
Back to Top
|
SAVINGS RATES
|
|
The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.
|
|
EFFECTIVE: 6/30/06
|
DIVIDENDS
|
BALANCE REQUIREMENTS
|
|
|
Dividend Rate/Annual Percentage Yield
|
Dividends Compounded
|
Dividends Credited
|
Dividend Period
|
Minimum Opening Deposit
|
|
Minimum Balance to Earn the Stated APY*
|
Balance Method
|
|
Regular Share Accounts**
|
1.50%/1.508%
|
Quarterly
|
Quarterly
|
Quarterly
(Calendar)
|
$5.00
|
—
|
$50.00
|
Daily Balance
|
|
Traditional IRA Accounts**
|
2.75%/2.778%
|
Quarterly
|
Quarterly
|
Quarterly
(Calendar)
|
—
|
—
|
—
|
Daily Balance
|
|
Roth IRA Accounts**
|
2.75%/2.778%
|
Quarterly
|
Quarterly
|
Quarterly
(Calendar)
|
—
|
—
|
—
|
Daily Balance
|
|
SEP IRA Accounts **
|
2.75%/2.778%
|
Quarterly
|
Quarterly
|
Quarterly
(Calendar)
|
—
|
—
|
—
|
Daily Balance
|
|
Share Draft Accounts
|
.00%
|
Quarterly
|
Quarterly
|
Quarterly
(Calendar)
|
$.00
|
---
|
—
|
—
|
The rates and fees appearing in the Schedule are accurate as of the Last Dividend Declaration Date indicated on the Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
Back to Top
*APY is Annual Percentage Yield
**Transfer restrictions apply |
