|
SHARE RATES
|
Account Type
|
Annual Percentage Rate
|
Annual Percentage Yield
|
|
Regular Savings
|
1.00%
|
1.01%
|
|
Christmas Club
|
1.00%
|
1.01%
|
|
Share Drafts
|
0.50%
|
0.51%
|
|
IRA Regular Savings
|
2.50%
|
2.53%
|
|
Escrow
|
1.00%
|
1.01%
|
|
Money Market
|
2.75% - 3.50%
|
2.78% - 3.55%
|
(Rates are
effective as of 07/20/2007 and are subject to change without notification.)
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CERTIFICATE RATES
|
Account Type
|
Term
|
Dividend Rate/Annual Percentage Yield
|
|
Regular Share Certificate
|
6 Mos-4.45%
1 Year 4.55%
2 Year 4.65%
3 Year 4.75%
5 Year 4.85%
|
Call the Credit Union for rates and terms
|
|
IRA Share Certificate
|
1 Year 4.55%
2 Year 4.65%
3 Year 4.75%
5 Year 4.85%
|
Call the Credit Union for rates and terms
|
(Rates are
effective as of 01/4/2008 and are subject to change without notification.)
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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
|
3.00%
|
1-60 Months
|
|
Certificate
of Deposit
|
(Pledged to
Face Amount)
|
3.00%
(Above Face Rate)
|
(To Maturity)
|
|
Mortgage
Lien Loans
(20% Equity Required)
|
$40,000
$40,000
|
6.25%
6.75%
|
1-5 Years
6-12 Years
|
|
First
Mortgage Lien Loans
85% Appraised Value Fixed Rate
|
$275,000
$275,000
|
5.750%
6.25%
|
Up to 15 yr.
No points
15 - 25 yr.
No Points
|
|
Variable
Rate
(1 Year Adj. #5 max., 5% over term)
|
$275,000
|
5.50%
|
25 Years
No points
|
|
TYPES OF LOAN
COLLATERAL
|
MAX
AMOUNT
|
MAX
REPAYMENT
RATE
|
TERMS
|
|
CAR & TRUCK LOANS
– U.S.
& Foreign
NEW CARS – 2007 - 2006
(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 2006
(NADA)
|
100% Value
|
6.50%
|
1-36 Months
|
|
2006
NADA
|
100% Value
|
6.75%
|
37-60 Months
|
|
2005
NADA
|
100% Value
|
6.75%
|
1-36 Months
|
|
" "
|
100% Value
|
7.00%
|
37-60 Months
|
|
2004
NADA
|
100% Value
|
7.00%
|
48 Months
|
|
2003 -
2002
|
95% Value
|
7.25%
|
36 Months
|
|
2001 -
2000
|
95% Value
|
7.25%
|
36 Months
|
|
CAMPERS
- Recreational
(selling price)
|
70% Value
(new)
70% Value
(used)
|
8.00%
9.00%
|
1-5 Years
1-5 Years
|
|
*Boats
- New - 2007
|
90% FMV
|
8.00%
9.00%
10.50%
|
36 Months
48 Months
60 Months
|
|
*Used
Boats 2000 - 2006
|
90% FMV
90% FMV
90% FMV
|
9.00%
10.00%
11.00%
|
36 Months
48 Months
60 Months
|
|
Motorcycles - New - 2007
(Effective 09/01/2006)
|
90%
NADA Value
|
8.00%
|
60 Months
|
|
2006 -
2005
|
85%
NADA Value
|
8.25%
|
48 Months
|
|
2004 -
2002
|
80%
NADA Value
|
9.00%
|
36 Month
|
(Rates are effective as of 09/28/2007 and are
subject to change without notification.)
*All
boats must be titled. Encumbrances and liens must be
placed on boat and trailer. Insurance coverage must
be maintained. We will finance up to 90% of Fair Market Value – Retail
Values are determined by NADA Blue Book.
|
