| New/Used Vehicles |
| Effective Date: Wednesday, March 10th, 2010 |
| Term | Fixed APR* | Range |
| up to 36 months |
4.75% |
4.75% - 14.25% |
| up to 48 months |
5.25% |
5.25%-14.75% |
| up to 60 months |
5.50% |
5.50%-15.00% |
| up to 66 months |
5.75% |
5.75%-15.25% |
| up to 72 months |
6.00% |
6.00%-15.50% |
| *FIXED APR represents the lowest rate available to qualified borrowers. |
Terms are dependent upon amount financed. Rates are based on the member's credit history. A range of all rates is listed. 100% financing and 72 month term available for vehicle loans of $30,000 or more to qualified borrowers. 100% financing and 60 month term available for motorcycle loans of $15,000 or more to qualified borrowers. |
| Other Loans |
| Effective Date: Wednesday, March 10th, 2010 |
| Name | Term | Fixed APR* | Range |
| RV's |
36 to 180 months |
6.75% |
6.75% - 16.75% |
| Personal Loan (unsecured) |
Up to 60 months |
9.00% |
9.00% - 12.00% |
| CD Pledge Loan (secured) |
Up to 60 months |
|
CD rate + 3% |
| Line of Credit (up to $13,500) |
Revolving |
7.25% |
|
| Visa Classic Credit Card |
Payment=2% of balance |
15.00% |
|
| Visa Platinum Credit Card |
Payment=2% of balance |
8.99% |
|
| Home Equity Loan |
up to 180 months |
as low as 6.75% |
6.75%-13.00% |
| *FIXED APR represents the lowest rate available to qualified borrowers. |
| Terms are dependent upon amount financed. Rates are based on the member's credit history. A range of all rates is listed. 100% financing and 72 month term available for vehicle loans of $25,000 or more to qualified borrowers. 100% financing and 60 month term available for motorcycle loans of $15,000 or more to qualified borrowers. |
| Deposit Accounts |
| Effective Date: Wednesday, March 10th, 2010 |
| Account Name | Amount | Annual Percentage Yield |
| Share Savings Account |
up to $5,000 |
0.25% |
| |
$5,000.01 & up |
0.25% |
| Money Market Account |
$2,500 - $24,999 |
0.51% |
| |
$25,000.00 - $74,999 |
1.02% |
| |
$75,000.00 & above |
1.27% |
| IRA Club Account |
|
0.25% |
| Christmas/Vacation Club Accounts |
|
0.25% |
| Share Pledge Account |
|
Primary share rate plus 3% |
| *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 the Credit Union about applicable fees and terms. |
| Regular Certificates |
| Effective Date: Wednesday, March 10th, 2010 |
| Minimum balance for all certificates is $500.00 |
| Term | Rate | Annual Percentage Yield |
| 6 months |
0.25% |
0.25% |
| 12 months |
1.25% |
1.27% |
| 18 months |
1.25% |
1.27% |
| 24 months |
1.50% |
1.53% |
| 30 months |
1.50% |
1.53% |
| 36 months |
1.75% |
1.79% |
| 42 months |
1.75% |
1.79% |
| 48 months |
2.25% |
2.30% |
| 60 months |
2.25% |
2.30% |
| APR is Annual Percentage Rate. 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. |
| IRA Certificates |
| Effective Date: Wednesday, March 10th, 2010 |
| Minimum balance for all certificates is $500.00 |
| Term | Rate | Annual Percentage Yield |
| 6 months |
0.25% |
0.25% |
| 12 months |
1.25% |
1.27% |
| 18 months |
1.25% |
1.27% |
| 24 months |
1.50% |
1.53% |
| 30 months |
1.50% |
1.53% |
| 36 months |
1.75% |
1.79% |
| 42 months |
1.75% |
1.79% |
| 48 months |
2.25% |
2.30% |
| 60 months |
2.25% |
2.30% |
| APR is Annual Percentage Rate. 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. |
| Flexible Certificates |
| Effective Date: Wednesday, March 10th, 2010 |
| Minimum deposit is $1.00 |
| Term | Rate | Annual Percentage Yield |
| Flexible |
0.10% |
0.10% |
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