|
| |
Services & Rates
Loans
Vehicle & Recreation Vehicles******
|
Term Mos. |
2009-2010 |
2005-2008 |
2000-2004 |
Minimum
Loan |
|
24 |
5.00% APR* |
5.50% APR* |
6.00% APR* |
$1,000 |
|
36 |
5.75% APR* |
6.25% APR* |
6.50% APR* |
$1,000 |
|
48 |
6.25% APR* |
6.75% APR* |
7.25% APR* |
$1,000 |
|
60 |
6.75% APR* |
7.25% APR* |
7.75% APR* |
$5,000 |
72 |
7.25% APR* |
7.75% APR* |
N/A |
$10,000 |
84 |
7.50% APR* |
8.00% APR* |
N/A |
$20,000 |
Other Loans
| Loan Type |
Term |
A.P.R. * |
Monthly Payment (3) |
| Home Equity-Variable (5)
(80%
Equity) **** |
Various |
Prime + (Call for rate) |
|
| Home Equity-Variable (5) (81%-90% Equity)
**** |
Various |
Prime + (Call for rate) |
|
| |
|
|
|
| Share-Secured ** |
up to 36 mos |
4.00% |
|
| |
|
|
|
| Credit Card(4) ($10,000 LOC max) |
Revolving |
12.90% |
N/A |
| |
|
|
|
| Kwik Cash ($10,000 LOC max) |
Revolving |
18.00% |
N/A |
Unsecured Loans |
|
Term Mos. |
APR* |
Min Loan Amt |
Max per Member |
Max per Family |
|
24 |
8.99% |
$1,000 |
$7,500 |
$10,000 |
|
36 |
9.99% |
$1,000 |
$7,500 |
$10,000 |
|
48 |
10.99% |
$1,000 |
$7,500 |
$10,000 |
Savings
| Savings Type |
Term |
A.P.Y. (2) |
|
Regular CD Rates |
|
|
| Share Certificate CD*** $1,000 min. |
6 mos |
1.40% |
| Share Certificate CD*** $1,000 min. |
12 mos |
1.65% |
| Share Certificate CD*** $1,000 min. |
18 mos |
2.15% |
| Share Certificate CD*** $1,000 min. |
24 mos |
2.15% |
| Share Certificate CD*** $1,000 min. |
30 mos |
2.40% |
| |
|
|
| Money Manager ($75-$2,499) |
N/A |
0.25% |
| Money Manager ($2,500-$9,999) |
N/A |
0.50% |
| Money Manager ($10,000 +) |
N/A |
1.25% |
| |
|
|
| Savings ($75 min bal to earn APY) |
N/A |
0.25% |
| |
|
|
| Christmas Club (paid out Nov 1st) |
12 mos |
TBA |
| |
|
|
| IRA's - Traditional (1) ($25 min bal to earn
APY) |
N/A |
1.75% |
| IRA's - Roth (1) ($25 min bal to earn
APY) |
N/A |
1.75% |
| IRA's - Educational (1) ($25 min bal to earn
APY) |
N/A |
1.75% |
Other Services
| ACH Depositing or Payment |
| Cash Withdrawals |
| Cashier Checks |
| GAP Insurance |
| Loan Insurance |
| Money Orders |
| Notary Service |
| Payroll Deduction |
|
|
|
* Annual Percentage Rate |
|
** Above Share Rate
|
|
*** Penalty for early withdrawal
|
|
**** Up to maximum or 12 years
|
****** Terms &
conditions may apply. Rates apply to qualified members |
(1) Rate applies to
balance greater than $25
|
|
(2) Annual Percentage Yield |
|
(3) Monthly payment based on $1,000 for
term (maximum if range) & APR |
|
(4) Fees may apply
|
|
(5) Fixed rate for the Term period (3 or 5
yrs) and variable thereafter, up to 12 years |
|
These rates are subject to change
without notice. Loan rates subject to terms & credit approval.
Downpayments may apply. |
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