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Rates for the
1st Quarter (ending March 31, 2010) |
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(All rates are subject to change without further
notice) |
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Share
Accounts: |
*APR |
APY |
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1.00% |
1.00% |
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Dividends are paid
on all accounts with a balance of $100.00 or more. Dividends are
figured on your daily balance and paid quarterly and compounded
quarterly. |
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* APR =
Annual Percentage Rate |
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* APY = Annual
Percentage Yield |
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* Dividends
are paid quarterly |
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* Minimum
balance for shares is $50.00 |
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* All
Dividend Rates are based on Profitability reviewed & are
subject to change quarterly by the Board of Directors
and without further notice |
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*Please call the credit union for the most current
certificate of deposit rate (CD) |
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*Your Share
deposit is insured up to $250,000.00 by the
National Credit Union Administration |
LOAN RATES
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Rates effective as of November 20, 2009 |
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(All rates are subject to change without further
notice) |
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Type Of Loan
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Limits & Inclusions |
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Terms |
Fixed Rate |
Factor |
Rate |
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Signature |
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$ 4,000
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36 months |
13.50% |
$3.40 |
0.036986% |
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*Must
advance at least $150 |
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$ 6,000
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48 months |
13.50% |
$2.70 |
0.036986% |
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Quick Pay
(Unsecured) |
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$ 3,000
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12 months |
9.00% |
$8.74 |
0.024658% |
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*Must
advance at least $150. |
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Share
Secured Loan |
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Amount of
Shares
|
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120 months |
3.00% above
posted |
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dividend
for prev. QT |
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New
Auto-Truck-Boat_Van |
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100%
Financing of Purchase Price |
48 months |
5.50% up to
$6000 |
$2.33 |
0.015068% |
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Motor
Home-Trailer |
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NADA Book,
or Appraised Value |
60 months |
5.50% 6001
-10,000 |
$1.91 |
0.015068% |
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Motor cycle |
never
licensed |
plus tax &
license fee |
|
72 months |
5.50%
10,001 & up |
$1.64 |
0.015068% |
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excludes
any warranties |
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Used
Auto-Truck-Boat-Van |
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100%
Financing of Purchase Price |
48 months |
6.50% up to
$6000 |
$2.38 |
0.017808% |
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Motor
Home-Trailer |
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NADA Book,
or Appraised Value |
60 months |
6.50% 6001
-10,000 |
$1.96 |
0.017808% |
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Motorcycle |
2009 -2005 |
|
plus tax &
license |
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72 months |
6.50%
10,001 & Up |
$1.69 |
0.017808% |
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excludes
any warranties |
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Used
Auto-Truck-Boat-Van |
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100%
Financing of Purchase Price |
36 months |
7.50% up to
6000 |
$3.11 |
0.020548% |
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Motor
Home-Trailer |
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NADA Book,
or Appraised Value |
48 months |
7.50%
6001-10,000 |
$2.42 |
0.020548% |
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Motor cycle |
2004 -1999 |
|
plus tax &
license |
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60 months |
7.50
10,001 & up |
$2.01 |
0.020548% |
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excludes
any warranties |
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Used
Auto-Truck-Boat-Van |
|
100%
Financing of Purchase Price |
36 months |
8.50% up to
6000 |
$3.17 |
0.023288% |
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Motor
Home-Trailer |
|
NADA Book,
or Appraised Value |
48 months |
8.50% 6001
& up |
$2.47 |
0.023288% |
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Motor cycle |
1998 &
older |
plus tax &
license |
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excludes
any warranties |
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One
Installment Loans |
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12 months |
15.00% |
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0.041096% |
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Co-maker/Signature |
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Based on
Credit History |
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48 months |
15.00%
6000.maximum |
$2.79 |
0.041096% |
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No
Collateral |
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Based on
New Credit |
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48 months |
13.50%
6000.maximum |
$2.72 |
0.036986% |
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Co-Maker/Collateral |
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100%
Financing of Purchase Price |
36 months |
Based on
Collateral
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NADA Book,
or Appraised Value |
48 months |
Year |
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plus tax &
license |
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60 months |
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excludes
any warranties |
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Heavy Duty
Equipment |
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100%
Financing of Purchase Price |
60 months |
Based on
Collateral |
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NADA Book,
or Appraised Value |
|
Year |
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plus tax &
license |
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excludes
any warranties
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Collections Costs: You promise to pay all
cost of collection the amount you owe under this agreement
including
court costs and
reasonable attorney fees. |
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Late Charges: If you are 15 days or more late in making a
payment you will pay a late charge |
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Of 5% of the payment that is due. |
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Minimum Payment: Your minimum payment is $25.00, determined
after each advance and does not |
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go down as the balance declines. |
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All Dividend
Rates are based on Profitability reviewed & subject to
change quarterly by the Board Of Directors. |
|
|
|
*Your Share deposit
is insured up to $250,000.00 by the
National Credit Union Administration |
|
Credit union Hours:
M-F 8:30am-5:00pm Phone: (293-5451) ***Fax: (360)293-8005 |
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