Rates
Effective: 4/24/13
Loan Rates |
|
Up to 48 Months |
Up to 60 Months |
Up to 72 Months |
| New Cars |
1.90% |
1.90% |
1.90% |
| Used Cars |
2.50% |
2.50% |
2.50% |
| New Motocycles |
5.00% |
5.00% |
- |
| Used Motorcycles |
6.00% |
6.00% |
- |
| Unsecured |
9.00% One Year or less |
12.90% Over One Year |
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| Pledged Loans |
Loans pledged with savings |
The rate is three points over your savings account rate |
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Equity Loans |
Range of Balances |
Payoff Period |
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| Up to $10,000.00 |
Five years |
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| $10,001.00 - $25,000.00 |
Seven years |
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| $25,001.00 - $50,000.00 |
Ten years |
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| $50,001.00 and above |
Fifteen years |
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| Closing costs paid by credit union. See staff for more details. |
| All loans with the exception of Equity Loans carry Loan Protection paid for by the credit union up to $25,000.00 dollars. See staff for details. |
| Keep in mind - The cost of living is the difference between your net income and your gross habits. |
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Regular Savings |
Dividend Rates |
APY |
Balance Required For Rate |
| .10% |
.10% |
$151.00 & Over |
|
| .10% |
.10% |
$15.00 - $150.00 |
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| Regular savings accounts include life savings insurance paid for by the credit union. On regular savings accounts only, when an account owner expires, the credit union may double the amount of money in this account up to $2,000.00. See staff for more details. |
Money Market Account |
Dividend Rates |
APY |
Balance Required For Rate |
| .40% |
.40% |
$2,500.00 |
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| If the account balance falls below the required minimum, the funds will be transferred to regular savings. |
Club Accounts |
Dividend Rates |
APY |
Balance Required For Rate |
| .25% |
.25% |
$151.00 & Over |
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| .25% |
.25% |
$15.00 - $150.00 |
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IRAs |
| You are never too young to begin saving for retirement! Pay yourself first |
| Traditional Retirement Account |
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| Roth Retirement Account |
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| Cloverdell (Educational IRA) |
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Dividend Rates |
APY |
Balance Required For Rate |
| 1.25% |
1.25% |
$15.00 |
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| See staff for more details |
Certificates of Deposit |
| 6 Months |
.30% |
.30% |
| 12 Months |
.60% |
.60% |
| 24 Months |
.75% |
.75% |
| 36 Months |
1.00% |
1.00% |
| Annual Percentage Yield (APY) is subject to change. Substantial penalties assessed on funds withdrawn prior maturity. |
| Certificate - One year or under: 90 Day Penalty |
| Certificate - Over one year: 180 Day Penalty |
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