CERTIFICATE RATES

  APY EFFECTIVE AS OF 08/18/2010  

TERM MINIMUM DEPOSIT COMPOUNDED APY DIVIDEND RATE
3 MONTH $500 DAILY 1.31% 1.30%
6 MONTH 500 DAILY 1.31% 1.30%
12 MONTH 500 DAILY 1.36% 1.35%
18 MONTH 500 DAILY 1.56% 1.55%
36 MONTH 500 DAILY 2.12% 2.10%

Individual Retirement Accounts

TERM MINIMUM DEPOSIT COMPOUNDED APY DIVIDEND RATE
18 MONTH I.R.A 500 DAILY 1.61% 1.60%
36 MONTH I.R.A 500 DAILY 2.17% 2.15%

APY=Annual Percentage Yield

PENALTIES FOR EARLY WITHDRAWAL:
PENALTIES ARE COMPUTED ON THE ENTIRE CERTIFICATE AMOUNT:
CERTIFICATES WITH A MATURITY OF ONE YEAR OR LESS; 31 DAYS DIVIDEND
CERTIFICATES WITH A MATURITY OF MORE THAN ONE YEAR; 91 DAYS DIVIDEND
IRA CERTIFICATES; 180 DAYS DIVIDEND


Rates subject to change without notice. While it is our intent to provide the most current rates and terms on this page, the Credit Union is not responsible for typographical errors, untimely updates or failure to email requested rate changes.

LOAN RATES

  EFFECTIVE AS OF 08/18/2010  
 
 
LOAN TYPE PERCENT FINANCED MAXIMUM TERM APR MAXIMUM NOTES
PERSONAL 5 YEARS 12.90% 10,000 NOTE 1
VISA OPEN 12.40% 5,000
VACATION/HOLIDAY 1 YEAR 7.90%
1ST MORTGAGE REFINANCE 80% 20 YEARS 5.40% 250,000 NOTE 2
1ST MORTGAGE REFINANCE 80% 15 YEARS 5.25% 250,000 NOTE 2
1ST MORTGAGE REFINANCE 80% 10 YEARS 4.15% 250,000 NOTE 2
HOME EQUITY - FIXED RATE 80% 15 YEARS 6.10% 160,000 NOTE 2
HOME EQUITY - FIXED RATE 80% 10 YEARS 5.85% 160,000 NOTE 2
HOME EQUITY - FIXED RATE 80% 5 YEARS 5.50% 160,000 NOTE 2
HOME EQUITY - FIXED RATE 90% 15 YEARS 8.45% 40,000 NOTE 2
HOME EQUITY - FIXED RATE 90% 10 YEARS 8.20% 40,000 NOTE 2
HOME EQUITY - FIXED RATE 90% 5 YEARS 7.85% 40,000 NOTE 2
NEW AUTO 100% 5 YEARS 4.50% 40,000
NEW AUTO 100% 6 YEARS 4.50% 40,000 NOTE 3
USED AUTO - UP TO 6 MODEL YEARS 100% 4 YEARS 4.50% 30,000 NOTE 4
USED AUTO - OVER 6 MODEL YEARS 100% 4 YEARS 9.70% 10,000 NOTE 5
IMPAIRED CREDIT- NEW AUTO 100% 6 YEARS 8.50% 40,000 NOTE 3
IMPAIRED CREDIT- USED AUTO 100% 4 YEARS 8.50% 30,000 NOTE 4
SHARED SECURED ------ 6 MONTHS RS RATE +2% ------
CERTIFICATE 70% ------ RS RATE +2% ------
NEW RV 60% 7 YEARS 9.25% 50,000
NEW MOTORCYCLE 80% 5 YEARS 12.00% 25,000
NEW POP-UP CAMPERS, TRAVEL TRAILERS (W/O MOTORS) 70% 5 YEARS 12.00% ------

APR=Annual Percentage Rate

NOTE 1: CANNOT REWRITE TO A LOWER RATE FOR SIX MONTHS, AND AT LEAST $1,000 ADDITIONAL AMOUNT BORROWED.
NOTE 2: CANNOT REWRITE TO A LOWER RATE FOR ONE YEAR, AND AT LEAST $2,000 ADDITIONAL AMOUNT BORROWED. MAXIMUM LOANED IS PER RESIDENCE. HIGHER FIRST MORTGAGE LOAN AMOUNTS AVAILABLE WHEN PERCENT FINANCED DOES NOT EXCEED 60%.
NOTE 3: PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO INCLUDING TAX, TITLE, WARRANTIES AND CONVEYANCE FEES.
NOTE 4: UP TO 6 MODEL YEARS OLD, MODEL YEARS CHANGE SEPTEMBER 30, PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO INCLUDING TAX, TITLE, WARRANTIES AND CONVEYANCE FEES NOT TO EXCEED BOOK VALUE.
NOTE 5: OVER 6 MODEL YEARS OLD, MODEL YEARS CHANGE SEPTEMBER 30, PERCENT FINANCED REFERS TO SELLING PRICE OF AUTO NOT TO EXCEED BOOK VALUE OR BEST ESTIMATE.

Rates subject to change without notice. While it is our intent to provide the most current rates and terms on this page, the Credit Union is not responsible for typographical errors, untimely updates or failure to email requested rate changes.

OTHER SAVINGS RATES

DIVIDENDS DECLARED SECOND QUARTER 2010
Rates can change quarterly

TERM ANNUAL PERCENTAGE YIELD (APY) DIVIDEND RATE
REGULAR SHARES 1.01% 1.00%
SHAREDRAFT ACCOUNTS 0.50% 0.50%
CLUB ACCOUNTS 0.75% 0.75%
 

Rates subject to change without notice. While it is our intent to provide the most current rates and terms on this page, the Credit Union is not responsible for typographical errors, untimely updates or failure to email requested rate changes.