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Dividend Rates
Effective April 1, 2008
| 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 |
1.51% |
1.51% |
1.51% |
2.02% |
2.12% |
2.22% |
2.32% |
2.43% |
*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 March 27, 2008
| Products |
Term |
Fixed |
Range |
| New/Used Vehicle-08, 07, 06, 05, 04 |
up to 84 months* |
7.65%* |
5.10% - 15.10% |
| Used Vehicle-03 and older |
up to 60 months |
6.85%* |
6.65% - 15.65% |
| New Boat |
up to 84 months |
7.00%* |
7.00% - 11.00% |
| Used Boat |
up to 60 months |
7.25%* |
7.25% - 11.25% |
| New Motorcycle |
up to 60 months |
8.00%* |
8.00% - 11.00% |
| Used Motorcycle |
up to 36 months |
8.25%* |
8.25% - 12.00% |
| Check Guard Plus |
Revolving |
10.9%* |
10.90% - 18.00% |
| Personal Loan |
Up to 60 months |
10.9%* |
10.90% - 18.00% |
| Express Equity Line |
Revolving |
2.9% Introductory APR** |
| Fixed Rate 2nd Mortgage |
Up to 12 years |
7.00% |
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Rates are determined by the member's credit history. FIXED RATES for
*asterisked* loan categories represent the lowest rate available, for the
longest term, to qualified borrowers. Minimum loan amount of $25,000 required
for 84 month term. 84-month term available for 2008 and 2007 model year
vehicles only. A range of all rates is listed. Lower rates are available for
shorter term loans for qualified borrowers. 100% financing is available.
**The Express Equity Line is a variable rate product subject to change
monthly. Introductory APR is valid for 6 months from the date the loan is
established. At the end of the introductory term, the rate will adjust to the
Prime Rate which is 5.00% as of April 30, 2008. 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 May 13, 2008
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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 |
2.17% |
2.22% |
2.27% |
2.32% |
2.37% |
2.42% |
| 6 mos. |
$1,000 |
2.36% |
2.41% |
2.47% |
2.52% |
2.57% |
2.62% |
| 12 mos. |
$1,000 |
2.57% |
2.63% |
2.68% |
2.73% |
2.78% |
2.83% |
| 24 mos. |
$1,000 |
2.78% |
2.83% |
2.88% |
2.93% |
2.98% |
3.03% |
| 36 mos. |
$1,000 |
3.03% |
3.09% |
3.14% |
3.19% |
3.24% |
3.29% |
| 60 mos. |
$1,000 |
3.29% |
3.34% |
3.39% |
3.44% |
3.49% |
3.55% |
| 12 Month Add-On |
$100 |
2.47% all balances |
| 12 mo. IRA Cert |
$500 |
2.57% |
2.63% |
2.68% |
2.73% |
2.78% |
2.83% |
| 18 mo. IRA Cert. |
$500 |
2.68% |
2.73% |
2.78% |
2.83% |
2.88% |
2.93% |
| 30 mo. IRA Cert. |
$500 |
2.93% |
2.98% |
3.03% |
3.09% |
3.14% |
3.19% |
| 12 mo. IRA Add-On Cert. |
$100 |
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2.47% 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
05/13/2008 08:59:46
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