SAVINGS RATES
Rates updated 01/19/2012 |
| Type of Account |
Dividend Rate |
APY |
| Regular Share Savings |
0.10% |
0.10% |
| Club Account |
0.30% |
0.301% |
| IRA Accumulation |
1.40% |
1.409% |
IRA Term
6 Months
12 Months
18 Months
24 Months |
0.19%
0.33%
0.39%
0.57% |
0.190%
0.330%
0.391%
0.571% |
Money Market
(effective Feb 1, 2011)
(min $2500)
$2,500-$7,499.99
$7,500-$9,999.99
$10,000 and over |
0.25%
0.30%
0.35%
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0.250%
0.300%
0.351%
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| Dividend rates are variable and may change after the account is open. Club accounts are limited to one withdrawal per calendar year, excess withdrawals will incur a fee. Regular share and club account dividends are compounded quarterly. Money market account dividends are compounded monthly. The APY is based on the assumption that minimum balances & other requirements are met. Fees could reduce the earnings on the account. APY = Annual Percentage Yield. Rates and Terms are subject to change without notice. |
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SHARE CERTIFICATE RATES
Rates updated 01/19/2012 |
| $500.00 - $24,999.99 |
Dividend Rate |
APY |
| 6 Months |
0.15% |
0.150% |
| 12 Months |
0.29% |
0.290% |
| 18 Months |
0.35% |
0.351% |
| 24 Months |
0.65% |
0.652% |
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| $25,000.00 - $99,999.99 |
Dividend Rate |
APY |
| 6 Months |
0.17% |
0.170% |
| 12 Months |
0.31% |
0.310% |
| 18 Months |
0.37% |
0.371% |
| 24 Months |
0.68% |
0.682% |
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| $100,000.00 and over |
Dividend Rate |
APY |
| 6 Months |
0.19% |
0.190% |
| 12 Months |
0.33% |
0.330% |
| 18 Months |
0.39% |
0.391% |
| 24 Months |
0.70% |
0.702% |
| APY is based on the assumption that minimum balances & other requirements will be met. All share certificate dividends are compounded monthly. Certificates are subject to a penalty for early withdrawal. APY = Annual Percentage Yield. Rates and Terms are subject to change without notice. |
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PRIMARY PLEDGE RATES
Collateral Secured (ie- Auto, Motorcycle, Camper, etc.)
Rates updated 09/01/2011 |
| Approximate Term |
Daily Periodic Rate |
APR |
| 72 Month* |
0.010932% - 0.041068% |
3.99% - 14.99% |
| 60 Month* |
0.009562% - 0.045178% |
3.49% - 16.49% |
| 48 Month* |
0.008877% - 0.044493% |
3.24% - 16.24% |
| 36 Month* |
0.008192% - 0.043808% |
2.99% - 15.99% |
| RVs - 84 Month* |
0.016164% - 0.030110% |
5.99% - 10.99% |
| RVs - 120 Month* |
0.019863% - 0.033562% |
7.25% - 12.25% |
| RVs - 180 Month* |
0.025342% - 0.041781% |
9.25% - 15.25% |
| *Approximate Term--The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products. Rates and Terms are subject to change without notice. |
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| Type of Loan |
Daily Periodic Rate |
APR |
| Share Savings Secured |
0.006027% |
2.20% |
| Certificate Secured |
0.006658% |
2.43%** |
| **As of 02/01/11 this rate is 3.55% APR—based on 1 year share certificate rate for $100,000 or more. Interest on all Share Certificates Loans will be 2% above the certificate rate. See your loan disbursement voucher for our current rate. Rates and Terms are subject to change without notice. |
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PERSONAL LOAN RATES
Rates updated 09/01/2010 |
| Type of Loan |
Daily Periodic Rate |
APR |
| Personal |
0.027123% - 0.049041% |
9.90% - 17.90% |
| Overdraft |
0.040822% |
14.90%** |
| *Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice. |
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| CREDIT CARD RATES |
| Type of Loan |
Daily Periodic Rate |
APR |
| Platinum Visa |
0.027123% - 0.049041% |
9.90% - 17.90% |
| *Credit Card rate is based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice. |
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