Rates
SAVINGS ACCOUNT RATES - Effective April 1, 2010 - June 30, 2010
|
| Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Savings, Club, IRA, & Loan Payment Savings
|
$100 - $999.99 |
.15% |
.15% |
| $1,000 - $9,999.99 |
.30% |
.30% |
| $10,000 – 49,999.99 |
.35% |
.35% |
| $50,000.00 and over |
.45% |
.45% |
Fees could reduce earnings on this account. Rate may change after account is opened.
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PLATINUM STRIPES CHECKING RATES - Effective August 1, 2010
|
| Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Platinum Stripes Checking
|
$1,000 - $4,999.99 |
.10% |
.10% |
| $5,000 & over |
.20% |
.20% |
Fees could reduce earnings on this account. Rate may change after account is opened.
MONEY MARKET ACCOUNT RATES - Effective August 1, 2010
|
| Type |
Balance Required |
Dividend |
Annual Percentage Yield |
|
Money Market
|
$2,500 - $24,999.99 |
.20% |
.20% |
|
$25,000 - $74,999.99
|
.30% |
.30%
|
| $75,000 and over |
.60% |
.60% |
Fees could reduce earnings on this account. Rate may change after account is opened.
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SHARE & IRA CERTIFICATE OF DEPOSIT ACCOUNT RATES
Effective August 26, 2010
|
|
Balance Required
|
Term
|
Dividend
|
Annual PercentageYield
|
|
$500 Minimum
Dividends paid monthly.
Penalty will be imposed for early withdrawal.
|
1 Month
|
.10%
|
.10%
|
|
3 Months
|
.25%
|
.25%
|
|
6 Months
|
.40%
|
.40%
|
|
12 Months
|
.60%
|
.60%
|
|
18 Months
|
.70%
|
.70%
|
|
24 Months
|
.99%
|
1.00%
|
|
30 Months
|
1.04%
|
1.05%
|
|
36 Months
|
1.09%
|
1.10%
|
|
48 Months
|
1.49%
|
1.50%
|
|
60 Months
|
1.98%
|
2.00%
|
|
Balance Required
|
Term
|
Dividend
|
Annual Percentage Yield
|
|
Jumbo
$100,000+
Penalty will be imposed for early withdrawal.
|
1 Month
|
.10%
|
.10%
|
|
3 Months
|
.25%
|
.25%
|
|
6 Months
|
.40%
|
.40%
|
|
12 Months
|
.60%
|
.60%
|
|
18 Months
|
.70%
|
.70%
|
|
24 Months
|
.99%
|
1.00%
|
|
30 Months
|
1.04%
|
1.05%
|
|
36 Months
|
1.09%
|
1.10%
|
|
48 Months
|
1.49%
|
1.50%
|
|
60 Months
|
1.98%
|
2.00%
|
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CONSUMER LOAN RATES - Effective August 28, 2010
|
| Type |
Loan Amount |
Term |
Annual Percentage Rate
As Low As |
| Signature Loan |
Up to $20,000 |
12 Months |
6.99% |
| $1,000.01 - $20,000 |
24 Months |
7.99% |
| $2,000.01 - $20,000 |
36 Months |
8.49% |
| $3,000.01 - $20,000 |
48 Months |
8.74% |
| $5,000.01 - $20,000 |
60 Months |
8.99% |
| Type |
Model Year |
Term |
Annual Percentage Rate
As Low As |
| Vehicles & Boats |
2010 & 2011 |
up to 48 Months |
3.40%
|
| 60 Months |
3.60% |
| 72 Months |
3.95% |
| 84 Months* |
6.00% |
| *84-month term requires a min. $30,000 loan amount, LTV not to exceed 115% |
| 2007 - 2009 |
48 Months |
3.80% |
| 60 Months |
3.95% |
| 72 Months |
4.60% |
| 2004 - 2006 |
54 Months |
5.64% |
| 2003 & Older |
48 Months |
5.90% |
| Type |
Loan Amount |
Term |
Annual Percentage Rate
As Low As |
| Motorcycle, Scooter, Snowmobile, Personal Watercraft, ATV, and Trailer Loans |
<$5,000 |
up to 48 Months |
6.75% |
| $5,000.01 - $9,999.99 |
up to 60 Months |
6.25% |
| $10,000+ |
up to 60 Months |
5.25% |
| $10,000+ |
up to 72 Months |
5.99%
|
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HOME EQUITY LOAN & HOME EQUITY LINE OF CREDIT RATES
Effective April 7, 2010
|
| Type |
Loan Amount |
Term |
Annual Percentage Rate |
Home Equity Loan
|
Up to $100,000 |
up to 180 Months |
As low as 4.00% Fixed |
| Fixed-rate home equity loan up to 95% LTV. |
| Type |
Line Amount |
Term |
Annual Percentage Rate |
|
Home Equity Line of Credit
|
$2,000- $10,000 |
up to 72 Months |
Variable, WSJ Prime Rate |
| $10,001+ |
up to 120 Months |
Variable, WSJ Prime Rate |
| Home equity line of credit up to 90%% LTV. |
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| MORTGAGE LOAN RATES - Effective August 31, 2010 |
| Type |
Loan Amount |
Annual Percentage Rate
With Escrow |
Annual Percentage Rate
Without Escrow |
| 30 Year Fixed Mortgage |
$30,000 - $59,999 |
4.500% |
4.500% |
| $60,000 - $99,999 |
4.375%
|
4.375% |
| $100,000 - $179,999 |
4.375% |
4.375% |
| $180,000 and over |
4.250% |
4.250%
|
| urchases and rate/term refinances up to 95% LTV and up to 70% LTV on cash out refinances. Higher LTV % cash out refinances available. Call for details. |
| Type |
Loan Amount |
Annual Percentage Rate
With Escrow |
Annual Percentage Rate
Without Escrow |
| 15 Year Fixed Mortgage |
$30,000 - $59,999 |
3.875%
|
4.000% |
| $60,000 - $99,999 |
3.750%
|
3.750% |
| $100,000 - $139,999 |
3.750%
|
3.750%
|
| $140,000 and over |
3.750% |
3.750% |
| Purchases and rate/term refinances up to 95% LTV and up to 70% LTV on cash out refinances. Higher LTV % cash out refinances available. Call for details. |
|
The above rates are for conventional mortgages.
- Up to 95% loan to value (LTV) available for purchases to qualified buyers.
- We do not charge points for the rates listed; however, if you wish to "buy down" to a lower rate, please contact the credit union for point and rate information.
- Approximate time for most mortgage transactions is 30 days.
- Up to 90% LTV cash out refinances available.
Contact us with any questions you may have on your mortgage loan transactions. You can calculate the approximate monthly payment using our Mortgage Calculators.
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