|
|
| Description |
Dividend Rate |
APY* |
| Regular Shares |
.750 |
.752 |
| Christmas Club |
.750 |
.752 |
| Vacation Club |
.750 |
.752 |
| Share Draft |
0.000 |
0.000 |
| IRA |
.750 |
.752 |
| Share Secured Loan |
4.500 Fixed |
4.50% |
| Overdraft Protection |
15.000 Fixed |
15% |
|
|
| Time |
Dividend Rate |
APY* |
| 90 Days |
2.00% |
2.018% |
| 6 Months |
2.50% |
2.529% |
| 1 Year |
2.50% |
2.529% |
| 18 Month |
2.75% |
2.785% |
| 2 Year |
2.75% |
2.785% |
|
$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. Penalty for early withdrawal. Offer may be withdrawn without notice |
| Balance |
Dividend Rate |
APY* |
| $2,500 to $9,999 |
1.75% |
1.764% |
| $10,000 - $ 24,999 |
2.00% |
2.018% |
| $25,000 - $49,999 |
2.25% |
2.273% |
| $50,000 - $74,999 |
2.50% |
2.529% |
| $75,000 and over |
2.75% |
2.785% |
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+ |
5.25% |
5.50% |
5.75% |
| 680-729 |
A |
5.75% |
6.00% |
6.50% |
| 640-679 |
B |
6.75% |
7.00% |
7.25% |
| 600-639 |
C |
8.50% |
5.50% |
8.75% |
| 550-599 |
D |
10.75% |
11.00% |
|
| 549 or Less |
E |
14.75% |
15.00% |
|
|
|
| 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 100%
** The Credit Union floor for Home Equity loans is 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+ |
6.00% |
6.50% |
7.00% |
| 680-729 |
A |
6.50% |
7.00% |
7.75% |
| 640-679 |
B |
7.50% |
8.00% |
8.50% |
| 600-639 |
C |
9.25% |
9.50% |
10.50% |
| 550-599 |
D |
11.50% |
12.50% |
13.50% |
| 549 or Less |
E |
15.50% |
14.50% |
15.50% |
** 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 |
