Rates set are subject to change.
Please call the Credit Union for the most accurate rates. Effective 02/01/2012
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|
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ANNUAL PERCENTAGE RATE |
Approximate term (months) |
| Freedom Loan | 7.65% - 18.00% | up to 48 |
| GO GREEN-Up to $1,000.00 (Eco-friendly appliances) | 5.35%-13.35% | up to 12 |
| GO GREEN-Up to $7,500.00 (Eco-friendly appliances) * | 5.75%-13.75% | up to 48 |
|
Automobile |
2.25%-9.25% | up to 36 |
|
Automobile |
2.75% - 9.75% | 37-60 |
| Automobile (New or Used) See Notes 1 & 2 |
3.25% - 10.25% | 61-72 |
|
Boat or Motorcycle
(New or Used) See Note 2
|
3.75% - 10.75% | up to 36 |
| Boat or Motorcycle
(New or Used) See Note 2
|
4.25% - 11.25% | 37-60 |
| Boat or Motorcycle
(New or Used) See Notes 1 & 2
|
4.75% - 11.75% | 61-72 |
| Used Automobile 7 years of age or older (see Note 2) NADA Value | 11.25% - 18.00% | 36 |
| New and Used Recreation Vehicle (see Note 3) | 4.75% - 11.75% | up to 84 |
| New and Used Recreation Vehicle (see Note 3) | 6.75% - 13.75% | 85 -120 |
| New Small Equipment (see Note 4) | 8.75% - 15.75% | 72 |
| Used Small Equipment (see Note 4) | 9.75% - 16.75% | 72 |
| Signature/Line-of-Credit (see Note 6) | 7.65% - 18.00% | up to 48 |
|
Share Secured Loan (3% above the current share dividend rate) |
3.20% | N/A |
|
Certificate Secured Loan (3% above the current certificate dividend rate) |
3.00% above | N/A |
| Consolidation | 10.65% - 18.00% | up to 48 |
| Home Improvement - up to $7,500 | 6.11% | 84 |
| Home Improvement- $7,500 to $100,000 | 5.11% | 240 |
| Home Equity Line of Credit / HELOC (see Note 5) | 4.11% | N/A |
| First Mortgage (CU Mortgage Support) | Click HERE | |
| MasterCard, Gold (Standard rate) |
8.90% - 18.00% |
N/A |
|
Note 1: You must finance at least $20,000.00 to have financing for a 72 month term and $35,000.00 for a 73 - 84 month term. Note 2: We do not finance automobiles over 10 years of age unless they are considered classic and/or antiques. Note 3: You must finance at least $25,000.00 to have financing for a term up to 10 years for a used recreation vehicle, and a term of 15 years for a new recreation vehicle. Note 4: Small Equipment includes spas, pianos, tractors, hearing aids, storage buildings, riding lawn mowers, computers, etc. Note 5: HELOC rate is based on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%. The 4.11% is a discount rate effective for 12 months. After 12 months the rate will return to the WSJPR plus 2% established at the origination date of the loan. Please call for the most current rate and more details. Note 6: The term will be based on the amount financed. * to purchase Eco-friendly appliances, solar panels, new windows, etc. |
| Effective 01/01/2012 |
| Savings | Dividend Rate | ANNUAL PERCENTAGE YIELD | Minimum Balance |
| Share (Savings) Account | 0.20% | 0.20% | $5.00 |
| Christmas & Vacation Club Account |
0.50% | 0.50% | N/A |
| Swipe & Save | 5.12% | 5.219% | N/A |
| Green & Gold/YO! Account (Info) | 2.30% | 2.32% | $5.00 |
|
MatriMoney Account (Info) |
2.12% | 2.137% | $25.00 |
| Money Market Account | 0.25% | 0.25% | $1,500.00 - $24,999.99 |
| Money Market Account | 0.35% | 0.351% | $25,000.00 - $99,999.99 |
| Money Market Account | 0.40% | 0.401% | $100,000.00 and up |
| Educational IRA (Info) |
0.75% |
0.752% |
N/A |
| Traditional / Roth IRA (Info) |
0.75% |
0.752% |
N/A |
|
Effective 01/31/2012 |
| Certificates* | Rate |
ANNUAL PERCENTAGE YIELD |
Term |
Minimum Balance** |
| Share Certificate | 0.200% | 0.200% | 3 | $1,000.00 |
| Share Certificate | 0.350% | 0.351% | 6 | $1,000.00 |
| Share Certificate | 0.600% | 0.602% | 12 | $1,000.00 |
| Share Certificate | 0.950% | 0.954% | 36 | $1,000.00 |
| IRA Certificates* | Rate |
ANNUAL PERCENTAGE YIELD |
Term |
Minimum Balance** |
| IRA Certificate | 0.200% | 0.200% | 3 | $1,000.00 |
| IRA Certificate | 0.350% | 0.351% | 6 | $1,000.00 |
| IRA Certificate | 0.600% | 0.602% | 12 | $1,000.00 |
| IRA Certificate | 0.950% | 0.954% | 36 | $1,000.00 |
*An early withdrawal penalty may be assessed for early maturity based on the term.
**Members, 18 years of age and younger, can open a Certificate of Deposit with a minimum balance of $250.00. They will also earn an additional .01% for each birthday they have reached, with a maximum addition of .17% above our standard rate.
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