New Auto/Boat/
Motorcycle |
|
Base rates may be
reduced by up to 1.25%. Scroll down to see how.
|
| Collateral |
Base
Rate |
Maximum
Term
(Months) |
Example
Monthly Payment |
|
|
All current year models and next year models.
Current year models and previous year models with less than
10,000 miles will also be considered new vehicles 72
month rate for >= $25,000.00
84 month rate for >= $30,000.00 |
6.00% |
24 |
$44.32 |
6.00% |
36 |
$30.42 |
6.25% |
48 |
$23.60 |
6.50% |
60 |
$19.57 |
|
7.00% |
72 |
$17.05 |
|
7.25% |
84
|
$15.22 |
Examples
show monthly payments for stated rates
and terms assuming $1,000.00 borrowed.
|
| |
Used Auto/Boat/ Motorcycle |
|
Base rates may be
reduced by up to 1.25%. Scroll down to see how.
|
| Collateral |
Base
Rate |
Maximum
Term
(Months) |
Example
Monthly Payment |
|
|
(2007,2008,2009) |
6.50% |
36 |
$30.65 |
| |
6.75% |
48 |
$23.83 |
| |
7.00% |
60 |
$19.80 |
(2004,
2005, 2006) |
7.00% |
24 |
$44.77 |
| |
7.25% |
36 |
$30.99 |
| |
7.50% |
48 |
$24.18 |
(2003
Or Older) |
9.00% |
24 |
$45.68 |
| |
9.25% |
36 |
$31.92 |
Examples
show monthly payments for stated rates and terms assuming $1,000.00 borrowed. |
Other
Loans |
|
| Collateral |
Base
Rate |
Factors |
Maximum Term
(Months) |
Example
Monthly Payment |
| |
First
Mortgage |
Call for information. |
| |
Second Mortgage |
80% LTV. Risk based
factors do not apply. |
|
|
5.00% |
Prime + 175 Basis Points |
60 |
$18.87 |
|
5.25% |
Prime + 200 Basis Points |
120 |
$10.73 |
5.50% |
Prime + 225 Basis Points |
180 |
$8.17 |
| |
Home
Equity Line of Credit |
80% LTV. Risk based factors do not
apply. Adjusts annually on January 1st. |
|
5.25% |
Prime + 200 Basis Points |
180 |
$8.04
|
| |
Share Secured |
3.25% |
Highest Certificate Rate + 100
Basis Points |
60 |
$18.08
|
| |
Share
Certificate Secured |
4.75% |
Highest Certificate Rate + 250 Basis Points |
60 |
$18.76
|
| |
Signature |
9.75% |
Prime + 650 Basis Points |
36 |
$32.15 |
|
Examples
show
monthly payments for stated rates and terms assuming $1,000.00
borrowed. |
|
Rates shown above are base
rates. Actual rate may be lower or higher due to factors such as debt ratio, term,
credit score, and unsecured availability.
Stated rates will be .25% lower if member opts
for either payroll deduction or ACH
(automatic payment from either an outside checking or
savings account or withdrawn from paycheck)
Stated rates will be lowered by 1.00% if applicants Fair Isaac Score is
740 or above.
If more than one applicant, average Fair Isaac Score must be 740 or above for
discount.
Rates that float on Prime are effective the following Monday after a
change. |
|
Regular
Shares |
|
Effective as of: April 1st, 2010 |
Tiers |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield (APY*) |
1 |
$5.00 |
.20% |
.20% |
|
2 |
$2,500.00 |
.25% |
.25% |
|
3 |
$10,000.00 |
.35% |
.35% |
|
4 |
$25,000.00 |
.50% |
.50% |
|
Six
withdrawals per month on Regular Share Accounts.
$.50 per withdrawal after six per month. |
Checking |
|
Effective as of: April 1st, 2010 |
Account
Type |
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield (APY*) |
EZ
Checking |
$0.00 |
.00% |
.00% |
Premier
Checking*
|
$2,500.00 |
.25% |
.25% |
| $10,000.00 |
.35% |
.35% |
|
$25,000.00 |
.50% |
.50% |
| $50,000.00 |
.65% |
.65% |
|
$75,000.00 |
.80% |
.80% |
| *Six
checks/withdrawals per month on Premier Checking Accounts.
$3.00 per check/withdrawal after six per month. |
Share Certificates |
|
Effective as of: February 18th, 2010 |
Term |
Minimum Balance |
Dividend
Rate |
Annual
Percentage Yield (APY*) |
| 6
Months |
$500.00 |
.50% |
.50% |
| 9
Months |
$500.00 |
.60% |
.60% |
| 12
Months |
$500.00 |
1.10% |
1.10% |
| $25,000.00 |
1.20% |
1.21% |
| 18
Months |
$500.00 |
1.20% |
1.21% |
| $25,000.00 |
1.30% |
1.31% |
| 24
Months |
$500.00 |
1.75% |
1.76% |
| 36
Months |
$500.00 |
2.25% |
2.27% |
*Annual
Percentage Yield is accurate as of stated date above. These rates may change at any
time prior to notice. After your certificate is opened, the dividend rate is fixed
for the term. A penalty is imposed for early withdrawal. Fees could reduce
earnings on the account. |
Fee
Schedule |
|
|
| Origination
(2nd Mortgages, HELOC's) |
$35.00 |
| Title Insurance |
Based on Amount |
| Closing |
Contact Credit Union |
| Estimated
Appraisal
(Lincoln) |
$300.00 |
| Recording
($5.00 per page, $.50 per lot) |
$15.50 |
| All Other Loans |
$35.00 |
| UCC Filing - 1st Person |
$6.00 |
| UCC Filing - Additional Person |
$4.00 |
| Filing Fees (per vehicle) |
$7.00 |
|
|
