Share Certificates(Effective as of: 07/01/2008) |
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CD Rates |
APY* |
RATE |
| 6 Month | 2.58 | 2.55 |
| 12 Month | 2.93 | 2.90 |
| 24 Month | 2.98 | 2.95 |
IRA Share Certificates |
APY* |
RATE |
| 6 Month | 2.58 | 2.55 |
| 12 Month | 2.93 | 2.90 |
| 24 Month | 2.98 | 2.95 |
*Annual Percentage Yield |
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**Average Daily Balance of $750.00 ea month on share draft only |
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***Minimum Opening Balance is $500.00 |
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Regular and Special Shares(Effective as of: 07/01/2008) |
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Regular and Special Shares Account |
APY* |
RATE |
| $5.00 - $2,999.99 | 0.75 | 0.75 |
| $3,000 - $4,999.99 | 1.46 | 1.45 |
| $5,000 - $9,999.99 | 2.01 | 2.00 |
| $10,000 - MAXIMUM | 2.52 | 2.50 |
| IRA Shares Accounts | 2.52 | 2.50 |
| Christmas Cllub Account | 0.75 | 0.75 |
| Vacation Club Account | 0.75 | 0.75 |
| Share Drafts** | 0.25 | 0.25 |
LOAN RATE(Effective as of: 07/01/2008) |
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TYPE |
TERM |
INTEREST RATE |
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| New Vehicle | Up to 72 Mos | 6.00% - 10.25% | |
| New Vehicle | Up to 60 Mos | 5.75% - 10.00% | |
| Used Vehicle 1-6 yrs old | Up to 54 Mos | 6.75% - 11.00% | |
| Used Vehicle 7+ yrs old | Up to 42 Mos | 7.00% - 11.25% | |
| New Boats, RVs, Motorcycles | Up to 96 Mos | 7.00% - 11.25% | |
| Used Boats, RVs, Motorcycles | Up to 60 Mos | 7.50% - 11.75% | |
| Unsecured/Line of Credit | Up To 60 Mos | 10.75% - 15.00% | |
| Other Collateral | Up To 144 Mos | 8.75% - 13.00% | |
| Share Secured | Up To 60 Mos | 5.50%* | |
Filing Fee |
You will be charged a lien filing fee for any advance in which the credit union takes a security interest in your collateral. | ||
Collection Costs |
You agree to pay all costs of collecting the amount you owe under this agreement to the extent permitted by state law. | ||
Late Charges |
If you are more than ten days late in making a payment, you will be charged $10.00. | ||
Minimum payment with each advance is $25.00 per month. |
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*If you are using a Share Certificate for your share secured loan, your rate will be 2% above the dividend rate you are earning for that Share Certificate. |
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For rates showns as ranges, the APR you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the initial rate that you qualify for. |
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