|
|
| Description |
Dividend Rate |
APY* |
| Regular Shares |
.100 |
.100 |
| Christmas Club |
.100 |
.100 |
| Vacation Club |
.100 |
.100 |
| Share Draft |
0.000 |
0.000 |
| IRA |
.100 |
.100 |
| Share Secured Loan |
4.500 Fixed |
4.50% |
| Overdraft Protection |
15.000 Fixed |
15% |
|
$500.00 minimum to earn dividends
on Regular Shares |
|
|
|
|
| Time |
Dividend Rate |
APY* |
| 90 Days |
0.25% |
.250% |
| 6 Months |
0.35% |
.351% |
| 1 Year |
0.50% |
.501% |
| 18 Month |
0.60% |
.602% |
| 2 Year |
0.65% |
.652% |
| 3 Year |
0.95% |
0.954% |
| 4 Year |
1.20% |
1.207% |
| 5 Year |
1.45% |
1.460% |
|
$1000.00 Minimum amount to open certificate cannot add to certificate once established, rate does not change for term of certificate.
Rates Subject to Change without notice
Minimum applies. Early withdrawals on Share Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. GHAFCU. Offer may be withdrawn without notice |
| Balance |
Dividend Rate |
APY* |
| $2,500 to $9,999 |
0.15% |
0.150% |
| $10,000 - $ 24,999 |
0.20% |
0.200% |
| $25,000 - $49,999 |
0.30% |
0.300% |
| $50,000 - $74,999 |
0.35% |
0.351% |
| $75,000 and over |
0.45% |
0.451% |
RISK-BASED LOAN RATES
| Fair Isaac Scores |
Rate |
Unsecured Loan Rates |
| 730 + |
A+ |
8.95% |
| 680-729 |
A |
9.95% |
| 640-679 |
B |
11.95% |
| 600-639 |
C |
13.95% |
| 550-599 |
D |
17.95% |
| 549 or less |
E |
17.95% |
| Fair Issaac |
Rate |
24-48 Mo |
60 Mo |
72 Mo |
| 730+ |
A+ |
3.00% |
3.25% |
3.50% |
| 680-729 |
A |
3.50% |
3.75% |
4.25% |
| 640-679 |
B |
4.50% |
4.75% |
5.00% |
| 600-639 |
C |
6.25% |
6.25% |
6.50% |
| 550-599 |
D |
9.25% |
9.50% |
|
| 549 or Less |
E |
13.25% |
13.50% |
|
|
|
| Fair Isaac Scores |
Rate |
80% |
90% |
100% |
| 730+ |
A+ |
Prime (-) .5% |
(+) .5% |
(+) 1.5% |
| 680-729 |
A |
Prime |
(+) 1% |
(+) 2% |
| 640-679 |
B |
Prime (+) 1% |
(+) 2% |
(+) 3% |
| 600-639 |
C |
Prime (+) 2% |
(+) 3% |
|
| 550-599 |
D |
Prime (+) 3% |
(+) 4% |
|
| 549< |
E |
Prime (+) 4% |
|
|
** Credit Union pays for $600.00 of closing cost Loans up to $200,000.00 Loan to Value up to 80%
** The Credit Union rates are subject to our floor for Home Equity loans of 3.95%
** Member Pays Closing Cost Back if Loan is paid off within 1 year
| Fair Issaac |
Rate |
0-60 Mo |
61 - 120 Mo |
121- 180 Mo |
| 730+ |
A+ |
5.25% |
5.75% |
6.25% |
| 680-729 |
A |
5.75% |
6.25% |
7.00% |
| 640-679 |
B |
6.75% |
7.25% |
7.75% |
| 600-639 |
C |
8.50% |
8.75% |
9.75% |
| 550-599 |
D |
10.75% |
11.75% |
12.75% |
| 549 or Less |
E |
14.75% |
13.75% |
14.75% |
** Credit Union pays for $600.00 of closing cost.
** Loans up to $200,000.00 LTV 80%
** Member Pays Closing Cost Back if Loan is paid off within 1 year
| Fair Isaac Scores |
Rate |
Visa Loan Rates |
| 730+ |
A+ |
8.95% |
| 680-729 |
A |
9.95% |
| 640-679 |
B |
11.90% |
| 600-639 |
C |
13.95% |
| 550-or Less |
D & E |
17.95% |
* APY = ANNUAL PERCENTAGE YIELD
* APR = ANNUAL PERCENTAGE RATE
DISCLOSURES |
