Loans | Savings | Certificates
Rates set are subject to change.
Please call the Credit Union for the most accurate rates. Effective 7/1/2010
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|
Approval is easy |
ANNUAL PERCENTAGE RATE |
Approximate term |
| Vacation Loan (Available until 8/31/10) | 4.99%-15.99% | up to 12 |
| GO GREEN-Up to $500.00 (Eco-friendly items) | 5.10%-13.10% | up to 12 |
| GO GREEN-Up to $5000.00 (Eco-friendly appliances) | 5.50%-13.50% | up to 48 |
| GO GREEN- Home Improvement* up to $7,500 | 7.00% | 84 |
| GO GREEN- Home Improvement* $7,500 to $100,000 | 6.00% | up to 240 |
| GO GREEN- HELOC (see Note 5)* | 5.00% | N/A |
|
Automobile |
3.75% - 10.75% | up to 36 |
|
Automobile |
4.25% - 11.25% | 37-60 |
| Automobile (New or Used) See Notes 1 & 2 |
4.75% - 11.75% | 61-72 |
|
Boat or Motorcycle
(New or Used) See Note 2
|
5.75% - 12.75% | up to 36 |
| Boat or Motorcycle
(New or Used) See Note 2
|
6.25% - 13.25% | 37-60 |
| Boat or Motorcycle
(New or Used) See Notes 1 & 2
|
6.75% - 13.75% | 61-72 |
| Used Automobile 7 years of age or older (see Note 2) NADA Value | 11.00% - 18.00% | 36 |
| New and Used Recreation Vehicle (see Note 3) | 5.75% - 11.25% | up to 84 |
| New and Used Recreation Vehicle (see Note 3) | 6.75% - 13.75% | 85 -120 |
| New Small Equipment (see Note 4) | 9.75% - 16.75% | 72 |
| Used Small Equipment (see Note 4) | 10.75% - 17.75% | 72 |
| Signature/Line-of-Credit (see Note 6) | 7.40% - 18.00% | up to 48 |
|
Share Secured Loan (3% above the current share dividend rate) |
3.30% | N/A |
|
Certificate Secured Loan (3% above the current certificate dividend rate) |
3.00% above | N/A |
| Consolidation | 10.00% - 18.00% | up to 48 |
| Home Improvement - up to $7,500 | 7.50% | 84 |
| Home Improvement- $7,500 to $100,000 | 6.50% | 240 |
| Home Equity Line of Credit / HELOC (see Note 5) | 5.50% | N/A |
| 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 base on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%. The 5.50% 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 make large Eco-friendly purchase or upgrades (solar panels, new ac, new windows, etc.) |
| Effective 08/15/10 |
| Savings | Dividend Rate | ANNUALPERCENTAGE YIELD | Minimum Balance |
| Share (Savings) Account | 0.30% | 0.30% | $5.00 |
| Christmas & Vacation Club Account |
0.40% | 0.401% | N/A |
| Swipe & Save | 5.10% | 5.198% | N/A |
| Green & Gold/YO! Account (Info) | 2.50% | 2.524% | $5.00 |
| Money Market Account | 0.40% | 0.401% | $1,500.00 |
|
MatriMoney Account (Info) |
2.10% | 2.117% | $25.00 |
| Educational IRA (Info) |
1.00% |
1.004% |
N/A |
| Traditional / Roth IRA (Info) |
1.00% |
1.004% |
N/A |
|
Effective 08/20/2010 |
| IRA Certificates* | Rate |
ANNUAL PERCENTAGE YIELD |
Term |
Minimum Balance** |
| IRA Certificate | 0.25% | 0.250% | 3 | $1,000.00 |
| IRA Certificate | 0.55% | 0.552% | 6 | $1,000.00 |
| IRA Certificate | 0.80% | 0.803% | 12 | $1,000.00 |
| IRA Certificate | 1.30% | 1.308% | 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.
