Rates

Rates

LOAN RATES
(Effective 9-1-10 - Subject to Terms and Conditions)

Home Equity Line of Credit -
Variable Rate/Revolving Open End
Terms and Conditions
(65% of Appraisal less any liens up to $100,000.00) LTV = Loan to Value

Terms of Repayment
APR*

65% LTV

Five-year draw, then a 15-year repayment period.
Wall Street Journal Prime Rate minus 0.25%, with a floor rate of 6.50%

6.50%

*Annual Percentage Rate

We are currently offering an Introductory Rate option on the HELOC Product.

Please contact the credit union for details.

Home Equity Secured Fixed-Rate Closed End Loan
Terms and Conditions
(85% of Appraisal less any liens up to $100,000.00) Property without any other mortgage obligation will be granted a 0.75% rate reduction.

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

2nd

2nd

2nd

60 Months

5.75%

7.25%

11.75%

120 Months

5.85%

7.35%

11.85%

180 Months

6.00%

7.50%

12.00%

*Annual Percentage Rate

New Vehicles, Trucks, Vans & Super Non-Lease
New Auto Equity Loans
Terms and Conditions
Take advantage of all the discounts and lower your rate by up to 1%!

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

80%

100%

80%

90%

80%

36 Months
6.00%

6.50%

7.50%

8.00%

12.00%

60 Months
6.00%

6.50%

7.50%

8.00%

12.00%

84 Months**
6.00%

6.50%

N/A

N/A

N/A

*Annual Percentage Rate
**At the discretion of the Loan Officer based on approved credit

Used Vehicles, Trucks, Vans & Super Non-Lease
Used Auto Equity Loans
Terms and Conditions
Take advantage of all the discounts and lower your rate by up to 1%!

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

80%

100%

80%

90%

80%

36 Months
6.00%

6.50%

7.50%

8.00%

12.00%

60 Months
6.00%

6.50%

7.50%

8.00%

12.00%

84 Months**
6.00%

6.50%

N/A

N/A

N/A

*Annual Percentage Rate
**At the discretion of the Loan Officer based on approved credit

New and Used RVs, Motorcycles, Motor Homes, Travel Trailers, Boats, Campers
Terms and Conditions

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

80%

100%

80%

100%

80%

100%

84 Months
9.75%

10.00%

11.25%

11.50%

15.75%

16.00%

120 Months**
10.25%

10.50%

11.75%

12.00%

16.25%

16.50%

*Annual Percentage Rate
**For vehicles over $20,000

Mobile Home
Terms and Conditions

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

10 Year Fixed
10.00%

11.50%

16.00%

15 Year Fixed
10.50%

12.00%

16.50%

*Annual Percentage Rate

Share Secured Loan
Terms and Conditions

Terms

APR*

Savings - 120 Months
5.04%

Certificates- 120 Months
CD Rate + 3.00%

*Annual Percentage Rate

Regular Unsecured Signature Loans
Terms and Conditions

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

36 Months
13.20%

14.70%

18.00%

60 Months
14.30%

15.80%

18.00%

*Annual Percentage Rate

Revolving Unsecured Line of Credit
Terms and Conditions

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

Revolving Open End
13.00%

14.50%

18.00%

*Annual Percentage Rate

VISA Credit Cards
Terms and Conditions

Card

Terms

APR*
Credit Level 1

APR*
Credit Level 2

APR*
Credit Level 3

Platinum Revolving Open End
9.89%

11.39%

14.89%

*Annual Percentage Rate

Dividend Rates | Loan Rates

DIVIDEND RATES
(Effective 9-1-10 - Subject to Terms and Conditions)

Share Rates | Money Market Rates | Fixed-rate Shares

Regular, Special & Holiday Share Accounts

Account Tier
APR*

APY**

$100.00 and over
0.03%

0.03%

*Annual Percentage Rate
**Annual Percentage Yield

Share Rates | Money Market Rates | Fixed-rate Shares

Money Market Account - Variable Rate Account

Account Tier
APR*

APY**

$1,000.00 - $9,999.99
0.05%

0.05%

$10,,000.00 - $24,999.99
0.10%

0.10%

$25,000.00 - $49,999.99
0.15%

0.15%

$50,000 and Over
0.20%

0.20%

*Annual Percentage Rate
**Annual Percentage Yield

Share Rates | Money Market Rates | Fixed-rate Shares

Fixed-Rate Share Certificates

Minimum Deposit $1,000.00

APR*

APY**

6 Month

0.32%

0.32%

1 Year

0.53%

0.53%

*Annual Percentage Rate
**Annual Percentage Yield

Dividend Rates | Loan Rates | Top