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rates
Share Certificates
Rates Effective December 20, 2010
| Term | Rate | Yield |
|---|---|---|
| 6 mo | 1.25% | 1.256% |
| 1 yr | 1.50% | 1.508% |
| 2 yr | 1.75% | 1.762% |
| 3 yr | 2.00% | 2.015% |
Loan Rates
Effective March 25, 2010
| SubAccount Description |
Approx. Term | Daily Periodic Rate |
Annual Percentage Rate |
|---|---|---|---|
| New Auto 2008 & Newer |
36 months | 0.0082% | 2.99% |
| 48 months | 0.0089% | 3.25% | |
| 60 months | 0.0096% | 3.50% | |
| 72 months | 0.0103% | 3.75% | |
| Used Auto 2003 - 2007 |
36 months | 0.0110% | 4.00% |
| 48 months | 0.0116% | 4.25% | |
| 60 months | 0.0123% | 4.50% | |
| Used Auto 2002 - Older |
36 months | 0.0137% | 5.00% |
| 48 months | 0.0144% | 5.25% | |
| Share/CD Secured | Rates will be 2.0% higher than a 3 year CD rate. Terms available 36, 48 and 60 months. |
||
| Signature Loan | Up to 60 months | 0.32877% to 0.035616% |
12.00% to 13.00% |
| All other secured loans |
Up to 48 months | 0.0233% | 8.50% |
| Recreational Vehicles Six years to new |
Up to 84 months | 0.0178% | 6.50% $15,000 Minimum (90% NADA value) |
| Up to 120 months | 0.0205% | 7.50% $20,000 Minimum (85% NADA value) |
|
| Up to 180 months | 0.0233% | 8.50% $25,000 Minimum (80% NADA value) |
|
Add-ons and refinances will keep existing interest rates unless $2,500.00 or more is added on.
The ANNUAL PERCENTAGE RATE you receive for the above sub accounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask the credit union for the rate you qualify for.
COLLECTION COSTS: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees paid to an individual who is not an employee of the Credit Union. The attorney fees you pay will not exceed 15% of the unpaid debt.
LATE CHARGES: We will charge you a late fee of $1.50 for each 30 days that you are late, if we do not receive your payment within 30 days of its due date.
Insufficient Fund Checks: You will pay a fee of $20.00 for any check returned Unpaid or Insufficient Funds.
All loans will be made using the Loan Policy guidelines.