|
All rates effective as of January 31, 2009.
|
Account Type |
Minimum
Dividend
Balances |
Dividend Rates |
APY* |
|
Regular Checking |
$0 |
N/A |
N/A |
|
Regular Shares (Savings)
|
$25 |
.50% |
.50% |
|
Christmas Club |
$25 |
0.25% |
0.32% |
|
Vacation Club |
$25 |
0.25% |
0.32% |
All
share account dividends are earned on the
average daily balance (unless otherwise noted)
and are posted and compounded quarterly.
All share account rates are Variable Rates (unless
otherwise noted).
*APY
stands for Annual Percentage Yield. Certain
assumptions apply. See our Truth-In-Savings
disclosure concerning dividend calculation
methods and restrictions. Rates are subject to
change. Not responsible for typographical errors
or omissions. Fees could reduce the earnings on
the account.
All rates effective as of January 31,2009.
|
Account Type |
Minimum
Dividend
Balances |
Dividend
Rates |
APY* |
|
Term Share Certificates: |
|
6 Month |
$1,000 |
Call
for
current
rates! |
Call
for
current
yields! |
|
12 Month |
$1,000 |
|
18 Month |
$1,000 |
|
24 Month |
$1,000 |
All
certificate dividends are earned on the actual
certificate balance (unless otherwise noted)
and are posted and compounded monthly. Penalties
exist for early withdrawal.
Member has the option to have dividends
transferred to Share account or check mailed. If
member chooses this option the certificate would
be non-compounding
*APY
stands for Annual Percentage Yield. Certain
assumptions apply. See our Truth-In-Savings
disclosure concerning dividend calculation
methods and restrictions. Rates are subject to
change. Not responsible for typographical errors
or omissions.
All rates effective January 31, 2007 - All
Rates are subject to change.
|
Loan Type |
Rate Type |
Interest Rate |
APR |
Monthly Payments
per $1,000.00 borrowed |
|
Credit Card - Good As Gold Classic VISA* |
Fixed |
8.90% |
8.90% |
- |
|
Unsecured: |
|
Draft Access Line of Credit |
Fixed |
15.00% |
15.00% |
$90.27 |
|
Unsecured Personal: |
|
1 Year |
Fixed |
11.00% |
11.00% |
$88.42 |
|
2 Years |
Fixed |
12.00% |
12.00% |
$47.10 |
|
3 Years |
Fixed |
13.00% |
13.00% |
$33.72 |
|
Debt Consolidation
1 to 4 Years |
Fixed Loan
Maximum of $15,000 |
12.50% |
- |
$26.60 |
|
Passbook Loans
(Share Secured) |
- |
4.25% |
- |
$85.28 |
|
Great Rate New Auto Loans: ** |
|
1 to 5 Years |
Fixed Loan
Maximum of $40,000 |
24 months = 5.50%
36 months = 5.50%
48 months = 6.00%
60 months = 6.25% |
- |
$85.84 |
|
Great Rate Used Auto Loans: |
|
1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
24 months = 6.00%
36 months = 6.50%
48 months = 6.75%
60 months = 6.95% |
- |
- |
|
Recreational Vehicle: |
|
New 1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
10.50% |
10.50% |
$88.15 |
|
Used 1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
12.50% |
12.50% |
$89.09 |
|
Home Equity Line of Credit - 5
Year Draw |
Variable 10 Year Payback Line
Maximum of $50,000 |
Prime Rate |
- |
- |
|
Fixed Home Equity |
Fixed Loan
Maximum of $75,000 |
Prime Rate |
- |
- |
|
Home Improvement Loans: |
|
1 to 10 Years |
Fixed Loan
Maximum of $40,000 |
9.50% |
- |
$87.69 |
*
Maximum Credit Line of $10,000.
** Automobile is 1 year or newer and over
$20,000.
Non-mortgage loans calculate simple interest on
number of days outstanding; example: Auto Loan
$10,000 for 48 months at 6.75% Annual Percentage
Rate (APR), Monthly Payment = $238.33,
Total Interest = $1,439.84, Total Payments =
$11,439.84. Optional Credit Life and Credit
Disability Insurance are available at additional
cost (not included in above example);
credit insurances are not required for
borrowing. Rates are subject to change. Not
responsible for typographical errors.
This credit union is federally insured by
National Credit Union Administration - NCUA
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