Rates
SAVINGS ACCOUNT RATES - Effective October 1, 2009 to December 31, 2009
|
| Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Savings, Club, IRA, & Loan Payment Savings
|
$100 - $999.99 |
.30% |
.30% |
| $1,000 - $9,999.99 |
.55% |
.55% |
| $10,000 – 49,999.99 |
.70% |
.70% |
| $50,000.00 and over |
.90% |
.90% |
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, 2009 |
| Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Platinum Stripes Checking
|
$1,000 - $4,999.99 |
.35% |
.35% |
| $5,000 & over |
.50% |
.50% |
Fees could reduce earnings on this account. Rate may change after account is opened.
| MONEY MARKET ACCOUNT RATES - Effective August 1, 2009 |
| Type |
Balance Required |
Dividend |
Annual Percentage Yield |
|
Money Market
|
$2,500 - $24,999.99 |
.50% |
.50% |
|
$25,000 - $74,999.99
|
.70% |
.70%
|
| $75,000 and over |
1.00% |
1.00% |
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 February 19, 2010
|
|
Balance Required
|
Term
|
Dividend
|
Annual PercentageYield
|
|
$500 Minimum
Dividends paid monthly.
Penalty will be imposed for early withdrawal.
|
1 Month
|
.45%
|
.45%
|
|
3 Months
|
1.09%
|
1.10%
|
|
6 Months
|
1.24%
|
1.25%
|
|
12 Months
|
1.59%
|
1.60%
|
|
18 Months
|
1.83%
|
1.85%
|
|
24 Months
|
2.13%
|
2.15%
|
|
30 Months
|
2.33%
|
2.35%
|
|
36 Months
|
2.72%
|
2.75%
|
|
48 Months
|
2.91%
|
2.95%
|
|
60 Months
|
3.06%
|
3.10%
|
|
Balance Required
|
Term
|
Dividend
|
Annual Percentage Yield
|
|
Jumbo
$100,000+
Penalty will be imposed for early withdrawal.
|
1 Month
|
.45%
|
.45%
|
|
3 Months
|
1.19%
|
1.20%
|
|
6 Months
|
1.34%
|
1.35%
|
|
12 Months
|
1.69%
|
1.70%
|
|
18 Months
|
1.93%
|
1.95%
|
|
24 Months
|
2.23%
|
2.25%
|
|
30 Months
|
2.42%
|
2.45%
|
|
36 Months
|
2.81%
|
2.85%
|
|
48 Months
|
3.01%
|
3.05%
|
|
60 Months
|
3.15%
|
3.20%
|
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CONSUMER LOAN RATES - Effective November 13, 2009
|
| Type |
Loan Amount |
Term |
Annual Percentage Rate
As Low As |
| Signature Loan |
Up to $20,000 |
12 Months |
8.00%
|
| $1,000.01 - $20,000 |
24 Months |
8.50% |
| $2,000.01 - $20,000 |
36 Months |
9.00% |
| $3,000.01 - $20,000 |
48 Months |
9.50% |
| $5,000.01 - $20,000 |
60 Months |
9.99% |
| Type |
Model Year |
Term |
Annual Percentage Rate
As Low As |
| Vehicles & Boats |
2009 & 2010 |
up to 48 Months |
3.70%
|
| 60 Months |
3.85% |
| 72 Months |
4.50% |
| 84 Months* |
6.50% |
| *84-month term requires a min. $30,000 loan amount, LTV not to exceed 115% |
| 2006 - 2008 |
48 Months |
4.30% |
| 60 Months |
4.45% |
| 72 Months |
5.10% |
| 2003 - 2005 |
54 Months |
6.34% |
| 2002 & Older |
48 Months |
7.14% |
| 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 |
7.24% |
| $5,000.01 - $9,999.99 |
up to 60 Months |
6.74% |
| $10,000+ |
up to 60 Months |
5.74% |
| $10,000+ |
up to 72 Months |
6.49%
|
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HOME EQUITY LOAN & HOME EQUITY LINE OF CREDIT RATES
- Effective December 1, 2009 |
| Type |
Loan Amount |
Term |
Annual Percentage Rate |
Home Equity Loan
|
Up to $100,000 |
up to 180 Months |
As low as 5.75% 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 March 9, 2010 |
| Type |
Loan Amount |
Annual Percentage Rate
With Escrow |
Annual Percentage Rate
Without Escrow |
| 30 Year Fixed Mortgage |
$30,000 - $59,999 |
5.250% |
5.250% |
| $60,000 - $99,999 |
5.000%
|
5.125% |
| $100,000 - $179,999 |
5.000% |
5.000% |
| $180,000 and over |
5.000% |
5.000%
|
| 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. |
| Type |
Loan Amount |
Annual Percentage Rate
With Escrow |
Annual Percentage Rate
Without Escrow |
| 15 Year Fixed Mortgage |
$30,000 - $59,999 |
4.625%
|
4.625% |
| $60,000 - $99,999 |
4.375%
|
4.375% |
| $100,000 - $139,999 |
4.250%
|
4.375%
|
| $140,000 and over |
4.250% |
4.375% |
| 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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