Rates
Loan Rates - effective May 2012
Note: Stated rates are the lowest rates offered as of this date and are subject to change without notice. Actual rate charged may increase according to credit score.
FULLY SECURED LOANS
- 84 month max term
- Maximum Amount - $40,000
- As low as 3.99%
COLLATERAL LOANS
| |
term |
value of collateral |
as low as |
| 2012 – 2011 |
1 - 49 months |
|
3.99% |
| 2012 – 2011 |
50 - 85 months |
over $10,000 |
4.29% |
| |
|
|
|
| 2010 - 2009 |
1 - 49 months |
|
4.49% |
| 2010 – 2009 |
50 - 61 months |
over $10,000 |
4.79% |
| |
|
|
|
| 2008 – 1998 |
1 - 49 months |
|
4.49% |
| 2008 – 1998 |
50 - 61 months |
over $10,000 |
4.79% |
| |
|
|
|
| Antique 15+ years |
1 - 49 months |
|
5.29% |
| Antique 15+ years |
50-61 months |
over $10,000 |
5.29% |
**add 1.0% - motorcycle loans, add 2.0% other title loans - boat, atv, camper, utility trailer.
When collateral is involved, the credit union will use the N.A.D.A guide and the Kelley Blue Book to establish value when considering a loan for approval. If N.A.D.A. or Kelley value is not available, the credit union will require another statement of value such as: appraisal, dealer’s quote, or insurance quote. Antique auto average retail value must exceed $4000.
SIGNATURE LOANS
- 48 month max term
- Maximum Amount - $8,000
- As low as 6.99%
90 DAY NOTE LOANS
Limit based on verifiable repayment method and loan officer discretion. Use signature loan rates.
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Savings Rates
Certificate Rates - effective February 1, 2012
- 6 month - .35%
- 12 month - .50%
- 18 month - .65%
- 24 month - .85%
Dividends
| Dividends |
| Declared |
06/30/2012 |
| Paid |
07/01/2012 |
| Shares |
.15% APY |
| Christmas Club |
.15% APY |
| Fun / Future |
.15% APY |
| IRA (all types) |
.65% APY |
| Share Certificate rate |
varies according to term |
| *APY = annual percentage yield - Dividends paid on average daily balance, actual yield may vary according to date of deposit/withdrawal |
|