|
Loan Rates
Rates effective as of March 31, 2010
|
|
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| HOME EQUITY |
RATE
|
TERM
|
| 80% L.T.V. |
(6% floor)
|
Prime +1%
|
call credit union
|
open end
|
| 90% L.T.V. |
(7% floor)
|
call credit union for details
|
call credit union
|
open end
|
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| SECOND MORTGAGE |
RATE
|
TERM
|
| 80% L.T.V. closing costs $180.00 |
6.75%
|
84 months
|
| 80% L.T.V. as low as |
6.75%
|
120 months
|
| 90% L.T.V. call credit union for details |
6.75%
|
120 months
|
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| SHARE SECURED / CERTIFICATES |
RATE
|
TERM
|
| Share Secured (regular share account) |
5.00%
|
varies
|
| Certificate (adjusts at CD maturity) |
earning rate + 3.00%
|
varies
|
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| MASTERCARD |
|
RATE
|
| Mastercard Classic |
$5,000 maximum credit line
|
13.95%
|
| Mastercard Gold Card |
$15,000 maximum credit line
|
11.75%
|
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| 1st MORTGAGE |
|
Call for Information
|
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SHARE RATES
|
Type
|
Plan Name
|
Compound Frequency
|
Calculation Method
|
Dividend Rate
|
Minimum Balance
|
APY
|
|
Share Draft
|
Checking Account
|
Quarterly
|
Day In/Day Out
|
.250
|
$0.00
|
.250
|
|
Share Draft
|
Money Market Checking Account
|
Monthly
|
Day In/Day Out
|
.90
|
$2000.00
|
.90
|
|
IRA
|
IRA
|
Monthly
|
Day In/Day Out
|
1.25
|
$0.00
|
1.26
|
|
Secondary
|
Money Market Savings Account
|
Monthly
|
Day In/Day Out
|
.90
|
$2000.00
|
.90
|
|
Secondary
|
Family Savings Account
|
Quarterly
|
Day In/Day Out
|
.35
|
$0.00
|
.35
|
|
Secondary
|
Vacation Savings Account
|
Quarterly
|
Day In/Day Out
|
.35
|
$0.00
|
.35
|
|
Primary
|
Share Savings Account
|
Quarterly
|
Day In/Day Out
|
.35
|
$5.00
|
.35
|
|
Club
|
Christmas Savings Account
|
Annually
|
Day In/Day Out
|
.35
|
$0.00
|
.35
|
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CERTIFICATE RATES
|
Type
|
Plan Name
|
Compound Frequency
|
Calculation Method
|
Dividend Rate
|
Minimum Balance
|
APY
|
|
|
Certificate
|
6 Month CD
|
Monthly
|
Day In/Day Out
|
.650
|
$1,000
|
.650
|
|
Certificate
|
30 Month CD
|
Monthly
|
Day In/Day Out
|
1.80
|
$500
|
1.81
|
| Certificate |
12 Month CD |
Monthly |
Day In/Day Out |
1.00 |
$1,000 |
1.00 |
| CARS, TRUCKS, VANS, SUV's |
RATE
|
TERM
|
| New |
2008 or 2009 |
as low as
|
**4.49%
|
72 months
|
| |
|
as low as
|
**5.25%
|
84 months
|
| **Down payment of 25% or more receives .25% rate reduction. |
| Used |
2008-2009 |
as low as |
5.50%
|
72 months
|
| |
2006-2007 |
as low as |
6.00%
|
60 months
|
| |
2003-2005 |
as low as |
7.25%
|
48 months
|
| |
2002 and older |
as low as |
10.00%
|
48 months
|
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| RECREATIONAL VEHICLES |
RATE
|
TERM
|
| New Motorcycles as low as |
6.00%
|
72 months
|
| Used Motorcycles as low as |
7.00%
|
60 months
|
| New Boats as low as |
6.50%
|
120 months
|
| Used Boats as low as |
7.00%
|
72 months
|
| New RV's (campers, motor homes, etc) as low as |
6.50%
|
120 months
|
| Used RV's as low as |
7.50%
|
84 months
|
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| SIGNATURE LOANS |
RATE
|
TERM
|
| Up to $15,000 when combined with other Credit Union unsecured credit as low as |
10.00%
|
72 months
|
|
