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| Rates |
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This rate schedule sets forth conditions, rates, fees and charges applicable to your Savings, Checking and Money Market Accounts at this time. The dividend rate may change after the account is opened. The Credit Union may offer other rates and fees or amend the rates and fees contained in the schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership Agreement.
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Deposit Rates as of June 17, 2010 (Rates subject to change without notice)
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Account Balance
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Dividend Rate
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Compounded
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Annual Percentage Yield (APY)
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Primary Savings
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$100 - $1,999
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0%
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Monthly
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0%
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$2000 - $4,999
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0%
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Monthly
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0%
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$5000 - $9,999
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0%
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Monthly
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0%
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$10,000 and up
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0%
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Monthly
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0%
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Money Market Accounts
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$100 - $1,999
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0%
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Monthly
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0%
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$2000 - $4,999
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0%
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Monthly
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0%
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$5000 - $9,999
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0%
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Monthly
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0%
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$10,000 and up
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0%
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Monthly
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0%
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Premier Money Market
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$5000 - $9,999
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0%
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Monthly
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0%
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$10,000 - $24,999
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0%
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Monthly
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0%
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$25,000 - $49,999
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0%
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Monthly
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0%
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$50,000 - $74,999
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0%
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Monthly
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0%
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$75,000 and up
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0%
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Monthly
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0%
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IRA Accounts
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All Balances
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0%
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Monthly
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0%
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Christmas Club
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All Balances
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0%
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Monthly
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0%
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Certificates of Deposit as of June 17, 2010 (Rates subject to change without notice. A penalty may be imposed for early withdrawal fees could reduce earnings)
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Term
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Minimum Balance
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Dividend Rate
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Compounded
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APY
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12 months
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$2,500
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N/A
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Quarterly
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N/A
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24 months
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$2,500
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N/A
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Quarterly
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N/A
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90 Day
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$1,000
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N/A
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Quarterly
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N/A
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180 Day
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$1,000
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N/A
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Quarterly
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N/A
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30-month Step-up
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$2,500
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N/A
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Quarterly
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N/A
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1 year Premier
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$10,000
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N/A
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Quarterly
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N/A
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270 day
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$2,500
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N/A
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Quarterly
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N/A
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36 Month
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$2,500
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N/A
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Quarterly
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N/A
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IRA Certificates as of June 24, 2010 (Rates subject to change without notice. A penalty may be imposed for early withdrawal fees could reduce earnings)
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Term
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Minimum Balance
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Dividend Rate
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Compounded
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APY
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12 months
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$2,500
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0.90%
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Quarterly
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0.90%
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24 months
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$2,500
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1.25%
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Quarterly
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1.26%
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30-month
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$2,500
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1.40%
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Quarterly
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1.41%
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36 Month
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$2,500
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1.55%
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Quarterly
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1.56%
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| *APR=Annual Percentage Rate. Loan Based upon credit score. Rates subject to change without notice. Please call for current rates and Terms. |
| Secured Loans |
*APR Range |
| New / Used Autos (10 years and newer) |
| Up to 24 Months |
4.99% - 18.00% |
| 25 - 36 Months |
5.49% - 18.00% |
| 37 - 48 Months |
5.99% - 18.00% |
| 49 - 60 Months |
6.99% - 18.00% |
| 61 to 72 Months |
7.49% - 18.00% |
| 73 - 84 Months |
7.99% - 8.49% |
| 85 - 96 Months |
8.49% - 8.99% |
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| New / Used RV's, Motorcycles, Boats (10 years and newer) |
| Up to 24 Months |
5.50% - 18.00% |
| 25 -36 Months |
6.50% - 18.00% |
| 37 - 48 Months |
7.00% - 18.00% |
| 49 - 60 Months |
7.50% - 18.00% |
| 61 to 72 Months |
8.00% - 18.00% |
| 73 - 84 Months |
8.50% - 18.00% |
| 85 - 96 Months |
9.00% - 18.00% |
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| New and Used ATV's |
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| Up to 36 Months |
9.50% - 18.00% |
| 37 - 48 Months |
10.00% - 18.00% |
| 49 - 60 Months |
10.50 - 18.00% |
| 61 to 72 Months |
11.50% - 18.00% |
| 73 - 84 Months |
12.50% - 18.00% |
| 85 -96 Months |
13.50% - 18.00% |
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| Share Secured |
| 1 - 120 Months |
Share rate + 2.50% |
| Certificate Secured Loans |
| Certificate maturity date |
Certificate rate + 2.50% |
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| Personal Loans |
*APR Range |
| Signature |
| Up to 36 Months |
13.00% - 18.00% |
| Line of Credit, Overdraft line of Credit |
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13.00% - 18.00% |
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| Visa Credit Cards |
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| Visa Classic |
11.90% - 18.00% |
| Visa Gold / Platinum |
9.99% |
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