|
|
Rate Board
Loan Rates
as of July 1, 2010
| Product |
Term
|
|
Annual Percentage Rate
|
| New Automobiles |
12 to 72 months |
as low as |
4.50
|
| New Automobiles |
73 to 84 months |
as low as |
5.00
|
| Used Automobiles |
12 to 72 months |
as low as |
5.00
|
| Used Automobiles |
73 to 84 months |
as low as |
5.50
|
|
| Miscellaneous New Title Secured* |
12 to 72 months |
as low as |
6.75
|
| Miscellaneous New Title Secured* |
73 to 120 months |
as low as |
8.00
|
| Miscellaneous Used Title Secured* |
12 to 72 months |
as low as |
7.25
|
| Miscellaneous Used Title Secured* |
73 to 120 months |
as low as |
9.25
|
|
*Includes Boats, RVs, Motorhomes, Trailers, Airplanes
|
|
|
|
| New Title Secured Toys** |
12 to 60 months |
as low as |
7.00
|
| Used Title Secured Toys** |
12 to 60 months |
as low as |
7.50
|
|
** Includes Motorcycles, ATVs, Jetskis, Tractors, Snowmobiles, etc.
|
|
|
|
|
|
|
|
| Share Secured |
up to 120 mo. @ 95% max
|
% over Share Rate
|
3.00
|
| CD Secured |
up to 120 mo. @ 95% max
|
% over Cert. Rate
|
3.00
|
| VISA Platinum Credit Card |
effective date |
12-01-2006 |
8.25
|
| VISA Classic Credit Card |
effective date |
12-01-2006 |
10.25
|
| Visa Check / Overdraft Protection |
|
|
10.00
|
| Signature |
up to 60 months |
as low as |
9.00
|
| Home Equity Line of Credit |
Maximum CLTV 80% |
as low as |
5.00
|
Unless otherwise indicated, rates reflected are for 100% financing and are subject to change.
For 85% financing or lower, please contact a Financial Service Representative for rate and term.
Savings & Checking Rates
Effective July 2010
|
Account Name
|
Min. Balance to Earn Dividends
|
Rate
|
A. P. Y.
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
under $500
|
.05
|
.05
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$500
|
.15
|
.15
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$1000
|
.25
|
.25
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$5,000
|
.349
|
.35
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$10,000
|
.499
|
.50
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$45,000
|
.598
|
.60
|
|
Primary Tiered Savings, Kid's Club, Holiday Club
|
$75,000
|
.846
|
.85
|
|
Individual Retirement Account
|
n/a
|
1.242
|
1.25
|
|
Insurance Savings (Not open to new deposits)
|
n/a
|
.499
|
.50
|
|
|
|
|
|
|
Interest Checking
|
n/a
|
.15
|
.15
|
|
Animas Advantage Checking
|
n/a
|
.25
|
.25
|
|
Money Market Checking (Tiered)
|
under $75,000
|
.349
|
.35
|
|
Money Market Checking (Tiered)
|
$75,000 and above
|
.846
|
.85
|
|
Business Checking
|
n/a
|
.00
|
.00
|
* The effective since date for Savings accounts is May 1, 2010.
The effective since date for Checking accounts is May 1, 2010.
APY is Annual Percentage Yield.
This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with your Credit Union. **All savings and checking dividend rates and annual percentage yields are subject to change at any time at the discretion of the Board of Directors. Dividends are declared monthly by the Board of Directors.
CD Rates
Effective since July 23, 2010
|
Term
|
Minimum Balance
|
Dividend Rate
|
A. P. Y.
|
|
6-11 months
|
$500.00
|
.499*
|
.50
|
|
12-17 months
|
$500.00
|
.747*
|
.75
|
|
18-23 months
|
$500.00
|
.995*
|
1.00
|
|
24-35 months
|
$500.00
|
1.143*
|
1.15
|
|
36-47 months
|
$500.00
|
1.242*
|
1.25
|
|
48-59 months
|
$500.00
|
1.735*
|
1.75
|
|
60 months
|
$500.00
|
1.98*
|
2.00
|
|
|
|
|
|
APY is Annual Percentage Yield.
The rates quoted above are accurate and effective for the above accounts as indicated. CD rates remain fixed for the term of the CD. Unless otherwise paid, dividends will be credited to your CD and compounded every month. A penalty may be imposed for withdrawals before maturity.
* Add .05% to CD Dividend Rate for age 50+ OR between $25,000 and $50,000!
* Add .10% to CD Dividend Rate for age 50+ AND between $25,000 and $50,000!
* Add .10% to CD Dividend Rate for OVER $50,000!
* Add .15% to CD Dividend Rate for age 50+ AND over $50,000!
Rates subject to change.
Updated by CT on 07/23/2010 at 7:42 a.m.
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