Rates







Instrument Loan

Variable Rate Instrument:
Minimum purchase $ 50,000.. or more up to 14.5 years

Term (months)

Amount Financed

APR*

174

80%

7.50


*Annual Percentage Rate


Depreciating Instruments to include Electric:
Minimum purchase $500.00 Up to $25,000.00

Term (months)

Amount Financed

APR*

5 years

80%

11.4


*Annual Percentage Rate


Custom/ Special Instrument up to $49 ,999. Maximum

Term (months) 

Amount Financed

APR*

120

80%

8.75%


*Annual Percentage Rate



 

New Auto Loan

Term (months)

Amount Financed

APR*

48

90%

6.50%

60

90%

7.00%

72

90%

8.25%

Term (months)

Amount Financed

APR*

48

80%

6.25%

60

80%

6.75%

72

80%

8.00%


*Annual Percentage Rate



 

 

Used Auto Loan

Term (months)

Age of Vehicle

Amount Financed

APR*

48

Up to 2 Years

NADA Book 

6.0%

60

Up to 2 Years

'' 

7.0%

48

2 to 4 Years

'' 

7.0%

48

4 Years or More

'' 

9.9%

*Annual Percentage Rate



Classic Auto Loan

Term (months)

Amount Financed

APR*

36

80%

6.0%

48

80%

7.0%


Values listed in NADA Classic Car guide. 


New or Used Boat Loan

Term (months)

Amount Financed

APR*

36

80%

7.5%


*Annual Percentage Rate

 

Rates subject to change monthly.Rate Based on Qualifying Credit.

 



DIVIDENDS

Good through 9/30/14 Share Savings Account IRA Share Account Share Draft Checking Acct
DIVIDENDS   Dividend Rate/ APY* .20%   .55% 0.25%
Dividends Compounded
Dividend Rate/ APY*
Quarter Quarter Quarter
Dividends Credited Quarter Quarter Quarter
Dividend Period Calendar Quarter Calendar Quarter Calendar Quarter
BALANCE REQUIREMENTS
Minimum Opening Deposit $25.00 $25.00 $50.00
Minimum Balance to Avoid a Service Fee --- --- $500.00
Minimum Balance to Earn the State APY $100.00 $25.00 $300.00
Balance Method Daily Balance Daily balance

Daily balance

ACCOUNT LIMITATIONS
See Section 6 below
Account transfer limitations apply. --- ---
All Loan rates subject to Credit Bureau ratings. Score of 725 or higher one % point dicount.

Score 650 to 725

is stated base rate 

Score below 644 add 2% additional  points.


Except as specifically described, the following disclosures apply to all the accounts.  All accounts described in the Rate and Fee Schedule are share accounts.

1. Rate Information.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For Regular Share and IRA Share accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. 

2. Nature of Dividends.  Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividend Compounding and Crediting.  The compounding and crediting of dividends and dividend periods applicable to each account are set forth in the
Rate Schedule.  The dividend period is the period of time at the end of which an account earns dividend credit.  The Dividends Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.

4. Accrual of Dividends.  For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.  For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid. 

5. Balance Information.  The minimum balance requirements applicable to each account are set forth in the Rates Schedule.  For Share/Draft Checking accounts, there is a minimum daily balance required to avoid a service fee for the dividend
are Yield for the dividend period.  If the minimum daily  balance is not met, you will not earn the stated Annual Percentage Yield.  For your accounts using a daily balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. Account Limitations. For Share Savings accounts, no more than four (4) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be by check, draft, or debit card to a third party.  If you exceed these limitations, we may refuse or reverse a transfer, and your account may be subject to a fee or be closed.  For IRA Share and Share Draft/Checking accounts, no account limitations apply.

 

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