| DIVIDEND RATES* |
APR**
|
APY***
|
|
Regular Shares $10.01 - $4,999.99
|
1.00% |
1.01%
|
|
Regular Shares $5000.00 and above
|
1.25% |
1.26%
|
|
Christmas Club
|
1.25% |
1.26% |
| Vacation Club |
1.25% |
1.26% |
| CU Cub Club |
1.25% |
1.26% |
| IRA Savings |
3.75% |
3.80% |
| CD - 6 months |
3.22% |
3.25% |
| CD - 12 months [Eligible
for One-Time Bump-Up] |
3.45% |
3.49% |
| CD - 18 months [Eligible
for One-Time Bump-Up] |
3.90% |
3.95% |
| CD - 24 months [Eligible
for One-Time Bump-Up] |
3.90% |
3.96% |
| CD - 36 months [Eligible
for One-Time Bump-Up] |
3.95% |
4.01% |
*All Shares Account
dividends are paid quarterly on the average daily balance.
All Accounts must be open at the end of the dividend calculation
period in
order to earn a dividend. Rates are subject to change.
**APR=Annual Percentage Rate ***APY=Annual Percentage Yield
|
| LOAN RATES* |
APR
as low
as
|
| Personal Loans |
Includes Education,
Consolidation and Computer loans
Maximum amount of $6,000.00 per member up to
60 months.
Up to $10,000.00--must qualify, and some restrictions may apply.
(Risk Based Lending applies.) |
36 months |
9.99% |
|
48 months |
10.50% |
|
60 months |
11.50% |
| Home Equity Loans |
1st
or 2nd lien
(Minimum $10,000.00 - Maximum $50,000.00)
Must be no more than 90% of appraised or assessed
value. (Total of all liens.) This may include value with
planned improvements. Member pays closing costs. |
60 months
(5 Yrs) |
6.50% |
120 months
(10 Yrs) |
6.75% |
180 months
(15 Yrs) |
7.25% |
| New Auto Loans |
2008 and 2007-Current model year
(untitled)
(72 months or longer must be > $20,000.00)
GAP Plus Insurance is available. |
36 months |
4.25% |
|
48 months |
4.95% |
|
60 months |
4.95% |
|
72 months |
5.95% |
|
84 months* |
6.50% |
| Used Auto Loans |
2005-2007 Used Vehicles
GAP Plus Insurance is available. |
36 months |
5.25% |
|
48 months |
5.50% |
|
60 months |
5.50% |
|
72 months |
6.00% |
| 2004 and older Used Vehicles
GAP Plus Insurance is available.
|
36 months |
5.50% |
|
48 months |
6.00% |
|
60 months |
6.00% |
| Other
Loans |
| New & Used Motorcycles, RVs, Boats |
up to
60 months |
6.50% |
| 4-Wheelers, Motorcycles, etc w/o title |
up to
36 months |
6.50% |
| Share Secured Loans |
up to
60 months |
6.00% |
| Certificate Secured Loans |
up to
60 months |
6.00% |
| VISA Classic Credit Card (no annual fee) |
.
. |
9.99% |
*Risk Based Lending
applies. Some restrictions may apply.
All
loan applicants must meet approval. |
