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|
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SHARE RATES:
|
Account Type
|
Annual Percentage Rate
|
Annual Percentage Yield
|
|
Regular Savings
|
.60%
|
.61%
|
|
Christmas Club
|
.60%
|
.61%
|
|
Share Drafts
|
0.25%
|
0.26%
|
|
IRA Regular Savings
|
1.50%
|
1.51%
|
|
Escrow
|
.60%
|
.61%
|
|
Money Market
|
1.00%
-1.75%
|
1.01% - 1.76%
|
(Rates are
effective as of 09/01/2010 and are subject to change without notification.)
(PLEASE NOTE:
Remember to refresh
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page.)
CERTIFICATE RATES:
|
Account Type
|
Term
|
Dividend Rate/Annual Percentage Yield
|
|
Regular Share Certificate
|
6 Months
1.00%
1 Year
1.15%
2 Year
1.65%
3 Year
2.10%
5 Year
2.65%
|
Call the Credit Union for rates and terms
|
|
IRA Share Certificate
|
1 Year
1.15%
2 Year
1.65%
3 Year
2.10%
5 Year
2.65%
|
Call the Credit Union for rates and terms
|
(Rates are
effective as of 08/26/2010 and are subject to change without notification.)
Are You Paying
Too Much For Your New Car Loan?
Stop in to see how much Valley 1st can save you.
Valley 1st and Enterprise Car Sales.
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logo for more information.
LOAN RATES:
|
TYPES OF LOAN
COLLATERAL
|
AMOUNT
|
RATE
|
REPAYMENT
TERMS
|
|
Unsecured Loans-Signature
|
5,000.00
|
11.00%
|
1-48 Months
|
|
Share
Loans
(Equal to Share Balance)
|
No Max
|
2.60%
|
1-60 Months
|
|
Certificate
of Deposit
|
(Pledged to
Face Amount)
|
3.00%
(Above Face Rate)
|
(To Maturity)
|
|
CAR & TRUCK LOANS
-
NEW CARS – 2010 - 2011
(Any new car with
Mileage under
5,000 miles - Use new car rate)
|
100% Value
100% Value
100% Value
100% Value
|
5.25%
5.50%
5.75%
6.00%
|
36 Months
48 Months
60 Months
72 Months
|
|
USED CARS & TRUCKS
2010(NADA)
|
100% Value
|
6.50%
|
1-36 Months
|
|
2010
NADA
|
100% Value
|
6.75%
|
37-60 Months
|
|
2009
NADA
|
100% Value
|
6.75%
|
1-36 Months
|
|
" "
|
100% Value
|
7.00%
|
37-60 Months
|
|
2008
NADA
|
100% Value
|
7.00%
|
48 Months
|
|
2007 -
2006
|
95% Value
|
7.25%
|
48 Months
|
|
2005 -
2004
|
95% Value
|
7.25%
|
48 Months
|
|
CAMPERS
- Recreational
(selling price)
|
70% Value
(new)
70% Value
(used)
|
8.00%
9.00%
|
1-5 Years
1-5 Years
|
|
TYPES OF LOAN
COLLATERAL
|
MAX
AMOUNT
|
MAX
REPAYMENT
RATE
|
TERMS
|
|
Mortgage
Lien Loans
(20% Equity Required)
|
$40,000
$40,000
|
5.50%
6.00%
|
1-5 Years
6-12 Years
|
|
First
Mortgage Lien Loans
85% Appraised Value Fixed Rate
|
$275,000
$275,000
|
4.75%
5.25%
|
Up to 15 yr.
No points
15 - 25 yr.
No Points
|
|
Variable
Rate
(1 Year Adj. #5 max., 5% over term)
|
$275,000
|
5.00%
|
25 Years
No points
|
|
*Boats
- New - 2011
|
90% FMV
|
8.00%
9.00%
10.50%
|
36 Months
48 Months
60 Months
|
|
*Used
Boats 2004 - 2010
|
90% FMV
90% FMV
90% FMV
|
9.00%
10.00%
11.00%
|
36 Months
48 Months
60 Months
|
|
Motorcycles - New - 2011
|
90%
NADA Value
|
8.00%
|
60 Months
|
|
2010 -
2009
|
85%
NADA Value
|
8.25%
|
48 Months
|
|
2008 -
2006
|
80%
NADA Value
|
9.00%
|
36 Month
|
(Rates are effective as of 09/01/10 and are
subject to change without notification.)
|
