Savings Rates
 

Effective: 03/01/10

Account Type Dividend Rate Annual Percentage Yield Balance to Obtain Rate/APY Minimum to Open
Primary Savings .25% .25% $100 $25
Christmas Clubs
Vacation Clubs
Energy Clubs		  .25% .25% $5 $5
Regular Checking N/A N/A $100 $5
Money Management Accounts
.25%
.50%
.75%
1.00%
.25%
.50%
.75%
1.01%
$100 - $2,000
$2,001 - $20,000
$20,001 - $75,000
$75,001 - above
 $100

The annual percentage yields (APY) disclosed in the table above are as of the last dividend declaration date. The dividend rates and APYs on all Savings accounts, Christmas and Vacation Clubs may change quarterly as determined by the Credit Union Board of Directors. The dividend rates and APYs on checking and money management accounts may change monthly as determined by the Credit Union Board of Directors. Fees or other conditions could reduce the earnings on the accounts listed above. Dividends for savings, checking and money management accounts are paid monthly and calculated using the average daily balance method. Dividends for club accounts are not compounded, paid annually and calculated using the daily balance method.

   
  Certificate and IRA Certificate Rates
 

Effective: 03/01/10

Account Type Dividend Rate Annual Percentage Yield* Minimum to Open
6 Months 1.05% 1.05% $1,000
9 Months 1.15% 1.15% $1,000
12 Months 1.25% 1.26% $1,000
18 Months 1.50% 1.51% $1,000
24 Months 1.70% 1.71% $1,000
36 Months 2.00%

2.01%

 $1,000

The annual percentage yields (APYs) were offered within the most recent seven calendar days and are accurate as of the effective date listed above. Dividends are credited monthly, compounded quarterly, and calculated using the daily balance method. We may impose an early withdrawal penalty if you withdraw any of the principal before the maturity date.

*Member has option to have dividends transferred to Share account or check mailed. If member chooses this option the certificate would be non-compounding.

   
  Loan Rates
  Effective: 03/01/10
Loan Type

Annual Percentage Rate
(as low as)

Loan Conditions

Approximate Term or Payment

Payment per Thousand
Personal Unsecured:   Maximum Loan Amount is $10,000    

  Up to 12 Months

 5.99% Payroll Deduction   12 Months $86.06 per thousand
6.49%    
13 to 24 Months 9.50% Payroll Deduction   24 Months $45.91 per thousand
10.00%    
25 to 36 Months 10.50% Payroll Deduction   36 Months $32.50 per thousand
11.00%    

37 to 48 Months

11.50%

Payroll Deduction

48 Months at $26.09 per thousand

 12.00%

        
Boat - New 8.99% Payroll Deduction 80% Financing Up to 84 Months

Maximum Amount $35,000		 84 Months $16.10 per thousand
9.49%  
Boat - Used 9.99% Payroll Deduction 80% Financing Up to 60 Months

Maximum Amount $20,000		 60 Months $21.25 per thousand
10.49%  

 

Car - New

 

 

**SPECIAL**

When you purchase thru Enterprise Car Sales

 3.99% Payroll Deduction

100% Financing
        MSRP OR NADA Retail
Up to 60 Months

 60 Months $18.87 per thousand
4.99%

Payroll Deduction

 72 Months $16.34 per thousand
**4.99%

**On Used Autos through Enterprise Car Sales 

Car - Used Models 2005-2010

SPECIAL

 5.50% Payroll Deduction 100% Financing
NADA Retail
Up to 60 Months		 60 Months $19.46 per thousand
6.50%  
Car - Used Models 2003-2004 8.50% Payroll Deduction

90% Financing        NADA Retail

   48 Months $24.65    per thousand
9.00%  
Motorcycles - New 8.99% Payroll Deduction 100% Financing
Up to 5 Years		 60 Months $20.75 per thousand
9.49%  
Motorcycles - Used 9.99% Payroll Deduction 90%
Book Value

 60 Months   $21.24 per thousand

10.49%  
Recreational Vehicle - New 8.99% Payroll Deduction 80% Financing Up to 84 Months

Maximum Amount $30,000		 84 Months $16.09 per thousand
9.49%  
Recreational Vehicle - Used 9.99% Payroll Deduction 80% Financing Up to 60 Months

Maximum Amount $30,000		 60 Months $21.25 per thousand
10.49%  
Share Secured 2.00% above current savings rate      
Unsecured Adjustable Rate Line of Credit 11.50% Easy One Time Application!

Rate subject to change quarterly		 Up to $10,000 Line of Credit  max. APR 18%
Home Improvement 8.50%   Up to 60 Months

Maximum Amount $10,000		 60 Months $20.52 per thousand

Home Equity Line

(not to go below 4.50%)

Prime Rate

180 MONTHS  Closing Cost $300.00

 Variable Rate Adjusts Quarterly

 Max. APR 18%

Fixed Rate Home Equity 5.75% APR
5.50% APR
5.25% APR		 Closing Costs $300.00  15 Year Term
10 Year Term
5 Year Term

180 months-$8.30              120 months-$10.85           60 months-$18.98           per thousand

Convert your HIGH interest credit cards to our LOW interest Visa Card! You will save money and lower your monthly payments - INSTANTLY!.

 

   

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We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration.