Savings 
Checking
Certificates
Loans
Mortgage
 Savings Rates
As of July 1, 2010
|
Type of Account
|
Current Quarter Projected Rate*
|
|
Share Account (Savings)
|
0.25%
|
|
Christmas Club
|
0.25%
|
|
Special Savings
$500 - $9999.99
$10,000 and over
|
1.25%
1.50%
|
*Rates stated as Annual Percentage Rate (APR).
The dividend rates and annual percentage yields may change every dividend period. The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis. You must maintain a minimum daily balance of $100 in your account each day to obtain the disclosed annual percentage yield. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
IRA Rates
As of July 1, 2010
|
Type of Account
|
Current Quarter Projected Rate*
|
|
IRA Accounts
|
2.25%
|
*Rates stated as Annual Percentage Rate (APR).
The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Checking Rates
As of July 1, 2010
|
Type of Account
|
Current Quarter Projected Rate*
|
Priority Checking |
0.25% |
1st Class Checking |
0.20% |
*Rates stated as Annual Percentage Rate (APR).
The dividend rates are determined by the Credit Union Board of Directors and are
declared on a quarterly basis.
Certificate Rates
As of July 14, 2010
|
Deposit Amount:
$1,000 - $24,999 |
APR |
APY |
|
6 - Month Certificate
(min. $2,500 - 6 Month only)
|
1.25%
|
1.25%
|
|
12 - Month Certificate
|
1.35%
|
1.36%
|
|
18 - Month Certificate
|
1.45%
|
1.46%
|
|
24 - Month Certificate
|
1.75%
|
1.76%
|
|
36 - Month Certificate
|
2.05%
|
2.07%
|
Deposit Amount:
$25,000 - $49,999 |
APR |
APY |
|
6 - Month Certificate
|
1.30%
|
1.30%
|
|
12 - Month Certificate
|
1.40%
|
1.41%
|
|
18 - Month Certificate
|
1.50%
|
1.51%
|
|
24 - Month Certificate
|
1.80%
|
1.81%
|
|
36 - Month Certificate
|
2.10%
|
2.12%
|
|
Deposit Amount:
$50,000 and Up |
APR |
APY |
|
6 - Month Certificate
|
1.35%
|
1.35%
|
|
12 - Month Certificate
|
1.45%
|
1.46%
|
|
18 - Month Certificate
|
1.55%
|
1.56%
|
|
24 - Month Certificate
|
1.85%
|
1.86%
|
|
36 - Month Certificate
|
2.15%
|
2.17%
|
Rates are subject to change every Wednesday.
Minimum dollar deposit for the six month certificates is $2,500.00.
Rates are stated in Annual Percentage Rate (APR) and Annual Percentage Yield (APY). APY may be greater than stated APR based on compounding.
Loan Rates
As of July 19, 2010
|
Type of Loan
|
Term
|
APR*
(as low as)
|
|
Share Secured
|
Variable-2% above dividend rate paid on shares securing loan.
Call for current rate.
|
|
Vehicle
|
36 Months
48 Months
60 Months
72 Months**
84 Months***
|
2.90%
3.90%
4.25%
5.25%
6.50%
|
|
Motorcycles
|
36 Months
48 Months
60 Months
72 Months**
|
4.99%
5.25%
5.50%
6.25%
|
|
Other Secured
(Includes Watercraft / Recreational Vehicles and Campers)
|
36 Months
48 Months
60 Months
72 Months**
84 Months***
|
4.99%
5.25%
5.50%
6.25%
8.50%
|
|
Signature
|
12 months
24 Months
36 Months
48 Months
60 Months
|
6.00%
7.00%
7.50%
8.00%
8.50%
|
*APR=Annual Percentage Rate and is based on credit worthiness.
Rates are subject to change.
**72 month term available for loans in excess of $20,000.
***84 month term available for loans in excess of $30,000.
Call the Credit Union to confirm rates.
Mortgage Rates
As of July 19, 2010
|
Type of Loan
|
Term
|
APR*
|
|
1st Mortgage**
(Maximum $200,000)
|
30 Years
20 Years
15 Years
|
6.00%
5.50%
5.00%
|
|
2nd Mortgage**
(Maximum $100,000)
|
10 Years
5 Years
|
5.25%
4.25%
|
*APR=Annual Percentage Rate and is based on credit worthiness.
**Some fees may apply. For example, appraisal fees, mortgage credit bureau fee, etc.
Rates are subject to change daily.
|
