|
Rates for the
3rd Quarter (July 1st - September 30th, 2008
) |
|
(All rates are subject to change without further
notice) |
|
Share
Accounts: |
*APR |
APY |
| |
1.50% |
1.51% |
|
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. |
|
* APR =
Annual Percentage Rate |
|
* APY = Annual
Percentage Yield |
|
* Dividends
are paid quarterly |
|
* Minimum
balance for shares is $50.00 |
|
* All
Dividend Rates are based on Profitability reviewed & are
subject to change quarterly by the Board of Directors
and without further notice |
*
Statutory Share
Insurance Change: $250,000
The new law became effective on October 3, 2008, and
will remain in place through December 31, 2009. The law
provides for an increase in the minimum NCUSIF coverage
from $100,000 to $250,000 on member share accounts. |
LOAN RATES
|
Rates effective as of August 22, 2008 |
|
(All rates are subject to change without further
notice) |
|
Type Of Loan
|
|
|
Limits & Inclusions |
|
|
Terms |
Fixed Rate |
Factor |
Rate |
|
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|
Signature |
|
|
$ 4,000
|
|
36 months |
12.00% |
$3.32 |
0.032877% |
|
*Must advance at least $150 |
|
$ 6,000
|
|
48 months |
12.00% |
$2.63 |
0.032877% |
|
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|
Quick Pay (Unsecured) |
|
$ 3,000
|
|
12 months |
9.00% |
$8.74 |
0.024658% |
|
*Must advance at least
$150. |
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|
Share Secured Loan |
|
Amount of Shares
|
|
120 months |
3.00% above posted |
|
|
|
|
|
|
|
|
|
dividend for prev. QT |
|
|
New Auto-Truck-Boat_Van |
|
100% Financing of Purchase
Price |
48 months |
5.95% up to $6000 |
$2.35 |
0.016301% |
|
Motor Home-Trailer |
|
NADA Book, or Appraised
Value |
60 months |
5.95% 6001 -10,000 |
$1.93 |
0.016301% |
|
Motor cycle |
never licensed |
plus tax & license fee |
|
72 months |
5.95% 10,001 & up |
$1.66 |
0.016301% |
|
|
|
|
excludes any warranties |
|
|
|
|
|
Used Auto-Truck-Boat-Van |
|
100% Financing of Purchase
Price |
48 months |
6.75% up to $6000 |
$2.38 |
0.018493% |
|
Motor Home-Trailer |
|
NADA Book, or Appraised
Value |
60 months |
6.75% 6001 -10,000 |
$1.97 |
0.018493% |
|
Motorcycle |
2007-2004 |
|
plus tax & license |
|
72 months |
6.75% 10,001 & Up |
$1.69 |
0.018493% |
|
|
|
|
excludes any warranties |
|
|
|
|
|
Used Auto-Truck-Boat-Van |
|
100% Financing of Purchase
Price |
36 months |
7.75% up to 6000 |
$3.12 |
0.021233% |
|
Motor Home-Trailer |
|
NADA Book, or Appraised
Value |
48 months |
7.75% 6001-10,000 |
$2.43 |
0.021233% |
|
Motor cycle |
2003 -1998 |
|
plus tax & license |
|
60 months |
7.75% 10,001 & up |
$2.02 |
0.021233% |
|
|
|
|
excludes any warranties |
|
|
|
|
|
Used Auto-Truck-Boat-Van |
|
100% Financing of Purchase
Price |
36 months |
8.75% up to 6000 |
$3.17 |
0.023973% |
|
Motor Home-Trailer |
|
NADA Book, or Appraised
Value |
48 months |
8.75% 6001 & up |
$2.48 |
0.023973% |
|
Motor cycle |
1997 & older |
plus tax & license |
|
|
|
|
|
|
|
|
|
excludes any warranties |
|
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|
One Installment Loans |
|
|
|
|
12 months |
15.00% |
|
0.041096% |
|
|
|
|
|
|
|
|
|
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|
Co-maker/Signature |
|
Based on Credit History |
|
48 months |
15.00% 6000.maximum |
$2.79 |
0.041096% |
|
No Collateral |
|
Based on New Credit |
|
48 months |
12.00% 6000.maximum |
$2.63 |
0.032877% |
|
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|
Co-Maker/Collateral |
|
100% Financing of Purchase
Price |
36 months |
Based on Collateral
|
|
|
|
|
|
NADA Book, or Appraised
Value |
48 months |
Year |
|
|
|
|
|
|
plus tax & license |
|
60 months |
|
|
|
|
|
|
|
excludes any warranties |
|
|
|
|
|
Heavy Duty Equipment |
|
100% Financing of Purchase
Price |
60 months |
Based on Collateral |
|
|
|
|
|
NADA Book, or Appraised
Value |
|
Year |
|
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