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Dividend Rates
Effective June 1, 2009
| Account Name |
Min. Balance to Earn Dividends |
APY* |
| Regular Savings |
$100.00 |
|
0.75% |
| Christmas Club |
$2.00 |
|
0.65% |
| Cookie Jar Club |
$2.00 |
|
0.65% |
| Kids Klub |
$100.00 |
|
0.75% |
| Elite Checking |
$1,000.00 |
|
.35% |
| IRA Savings |
$25.00 |
|
1.00% |
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Average Daily Balance Tiered APY* |
| |
$1,000 |
$2,500 |
$5,000 |
$10,000 |
$25,000 |
$50,000 |
$75,000 |
$100,000 |
| Money Market |
1.06% |
1.06% |
1.06% |
1.36% |
1.46% |
1.56% |
1.66% |
1.76% |
*APY is Annual Percentage Yield. This rate schedule states rates applicable to
specified accounts. Dividends are based on the Credit Union's earnings at the
end of the dividend period and therefore cannot be guaranteed. Contact a
Credit Union employee about applicable fees and terms.
Loan Rates
Effective May 4, 2009
| Products |
Term |
Range |
|
| New/Used Vehicle-09, 08, 07, 06, 05 |
up to 84 months* |
5.40% - 15.00% |
|
| Used Vehicle-04 and older |
up to 60 months |
6.65% - 15.55% |
|
| New Boat |
up to 84 months |
7.00% - 11.00% |
|
| Used Boat |
up to 60 months |
7.25% - 11.25% |
|
| New Motorcycle |
up to 60 months |
8.00% - 11.00% |
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| Used Motorcycle |
up to 36 months |
8.25% - 12.00% |
|
| Check Guard Plus |
Revolving |
10.9% - 18.00% |
|
| Personal Loan |
Up to 60 months |
10.9% - 18.00% |
|
| Express Equity Line |
Revolving |
5.25% APR** |
| Fixed Rate 2nd Mortgage |
Up to 12 years |
6.00% |
|
Rates are determined by the member's credit history. Minimum loan amount of
$25,000 required for 84 month term. 84-month term available for 2009 and 2008
model year vehicles only. 100% financing is available on vehicle loans. **The
Express Equity Line is a variable rate product subject to change monthly. The
rate is equal to the Prime Rate, which is 3.25% as of December 16, 2008, plus
a margin of 2.0%. The maximum APR that can apply is 18%. However, under no
circumstances will the APR go below the margin rate of 2% at any time during
the term of the loan.
Certificate Rates
Effective June 30, 2009
| |
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Tiered Balance Yield* |
| Terms |
Minimum Deposit |
Up to $10,000 |
$10,000 |
$25,000 |
$50,000 |
$75,000 |
$100,000 |
| 3 mos. |
$1,000 |
1.05% |
1.15% |
1.26% |
1.36% |
1.46% |
1.56% |
| 6 mos. |
$1,000 |
1.46% |
1.56% |
1.66% |
1.76% |
1.86% |
1.96% |
| 12 mos. |
$1,000 |
1.76% |
1.86% |
1.96% |
2.07% |
2.17% |
2.27% |
| 24 mos. |
$1,000 |
1.96% |
2.07% |
2.17% |
2.27% |
2.37% |
2.47% |
| 36 mos. |
$1,000 |
2.22% |
2.32% |
2.42% |
2.52% |
2.63% |
2.73% |
| 60 mos. |
$1,000 |
2.42% |
2.52% |
2.63% |
2.73% |
2.83% |
2.93% |
| 12 Month Add-On |
$100 |
1.56% all balances |
| 12 mo. IRA Cert |
$500 |
1.76% |
1.86% |
1.96% |
2.07% |
2.17% |
2.27% |
| 18 mo. IRA Cert. |
$500 |
1.86% |
1.96% |
2.07% |
2.17% |
2.27% |
2.37% |
| 30 mo. IRA Cert. |
$500 |
2.07% |
2.17% |
2.27% |
2.37% |
2.47% |
2.57% |
| 12 mo. IRA Add-On Cert. |
$100 |
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1.56% all balances |
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APY is Annual Percentage Yield. The rates quoted above are accurate and
effective for the above accounts as of the effective date indicated.
Certificate rates remain fixed for the term of the certificate. Unless
otherwise requested, dividends will be credited to your certificate either
quarterly or at maturity based on the certificate term. Fees or other
conditions could reduce the earnings on the account. A penalty may be imposed
for withdrawals before maturity. If you have any questions or need current
rate information on your accounts, please call (803) 736-3110 or
1-800-272-0695.
Rates subject to change.
Updated by AB on
06/30/2009 07:57:55
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