 |
 |
Loan Application
2012 Credit Union Closed
Mon., January 16
Martin Luther King Jr. Day
Mon., February 20
President's Day
Fri., April 6
Good Friday
Mon., May 28
Memorial Day
Wed., July 4
Independence Day
Mon., September 3
Labor Day
Mon., October 8
Columbus Day
Mon., November 12
Veterans Day
Thurs. & Fri.
Nov. 22 & 23
Thanksgiving
For your convenience, the drive thru will be open until 6:00 PM on Wednesday, Nov. 21.
Mon. & Tue.
Dec. 24 & 25
Christmas
Monday, December 31st we will be closing at 1:00PM.
Tue., Jan. 1, 2013
New Year's Day
|
 |
 |
|
 |
 |
RATES EFFECTIVE JANUARY 1, 2012
**Rates subject to change monthly**
Annual Yields are compounded monthly
Credit Union may match CD rates of other Financial Institutions
| |
Terms |
APR* |
APY** |
Certificates of
Deposit
$1,000 Minimum
Early withdrawal penalties may apply to Term Share
Accounts (CD's). |
90 Days |
0.15% |
0.150% |
| 180 Days |
0.25% |
0.250% |
| 365 Days |
0.50% |
0.501% |
| 2 Years |
0.85% |
0.853% |
| 3 Years |
1.05% |
1.055% |
| |
|
|
|
* Annual Percentage Rate
** Annual Percentage Yield
Fees may reduce APY** |
| |
|
|
|
| IRA's |
|
0.30% |
0.300% |
| |
|
|
|
| Regular
Shares |
|
0.10% |
0.100% |
| Super Share Rates |
2,501.00-4,999.99 |
0.10% |
0.100% |
| |
5,000.00-9,999.99 |
0.20% |
0.200% |
| |
10,000.00-24,999.99 |
0.30% |
0.300% |
| |
25,000.00 & Over |
0.40% |
0.400% |
| |
|
|
|
| Club Accounts |
|
0.10% |
0.100% |
| Draft Accounts |
|
0.10% |
0.100% |
Loan Rates
| |
Terms |
Rate |
| VEHICLE LOANS |
|
|
New Vehicle
|
2 years
3 years
4 years
5 years
6 years |
3.25%
3.50%
3.75%
4.00%
5.00% |
Pre-Owned Vehicles
2007-2012
2002-2006 |
up to 5 years
up to 4 years |
4.00%
5.00% |
| Classic vehicles |
up to 3 years |
8.00% |
| over $25,000.00 |
up to 5 years |
8.00% |
| MOTORCYCLE LOANS |
|
|
| New motorcycles |
up to 5 years |
5.75% |
Pre-owned
2007-2012
2002-2006
|
up to 5 years
up to 4 years |
5.75%
6.75% |
| WATERCRAFT LOANS |
|
|
| New watercraft |
up to 5 years |
7.50% |
| Pre-owned |
up to 5 years |
8.50% |
| Over $25,000 |
up to 7 years |
8.50% |
| MOTORHOME / TRAVEL TRAILER |
|
|
| New / pre-owned |
up to 10 years |
8.00% |
| FARM EQUIPMENT |
|
|
| New / pre-owned |
up to 5 years |
8.00% |
Credit union may match dealership rates for loan types stated above.
|
| PERSONAL LOAN RATES |
|
|
| Share Secured |
3 years |
5.00% |
CD Secured
|
|
3.00%
above CD rate |
| Unsecured loans |
3 years |
13.00% |
| Unsecured loans with collateral |
3 years |
10.00% |
MasterCard / Gold / Platinum
Introductory APR for
1 year on purchases & balance transfers |
|
12.99% / 10.99% / 8.99%
|
Visa / Gold
Introductory APR for 1 year on purchases & balance
transfers |
|
12.99% / 10.99% / 8.99% |
| |
|
|
½ off for payroll
deduction or automatic payment on vehicle, motorcycle,
watercraft, motorhome/traveltrailer or farm equipment
loans. Add 3.50% for Class A- loans (not to exceed 18%), some restrictions apply.
|
 |
 |
|
