|
All rates are subject to
change. Rates effective as of 02/23/10, unless noted. To ensure
you have the most current rates, please use your browser's
refresh (or reload) button to update this page.
Savings and
Checking
|
Accounts |
Dividend Rate |
APY |
|
Share Savings1 |
0.20 |
0.20 |
Cash Management2
Tier 1
$0-$24999.99
Tier 2 $25,000.00 – $49999.99
Tier 3 $50,000.00 - $74,999.99
Tier 4 $75,000 - $9,999,999.99 |
.40%
.75%
1.00%
1.35% |
.40%
.75%
1.01%
1.36% |
Health Savings Account5
Tier 1 $0-$4999.99
Tier 2 $5000.00 – $9999.99
Tier 3 $10,000.00 and above
|
3.00
4.00
5.00 |
3.05
4.08
5.13 |
|
IRA Savings3 |
0.20 |
0.20 |
|
Checking4 |
0 |
0 |
1
Dividends compounded monthly, dividends credited monthly,
dividend period = monthly. Minimum opening deposit = $5.00,
Minimum Balance to earn dividends = $5.00, Transfer
limitations.
2
Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Savings, Holiday Club, Vacation Club, Cash Management & Health Savings accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. The Cash Management
Account is a Tiered Rate account. If your Average Daily Balance is from $1,000 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is from $25,000 to $49,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is from $50,000 to $74,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is $75,000 or more, the fourth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply.
Once a particular range is met, the Dividend Rate & Annual
Percentage Yield for that balance range will apply to the
full balance of your account.
The Health Savings account is a Tiered Rate account. If your Daily Balance is $4999.99 or below, the first Dividend Rate & Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $5,000.00 to $9,999.99 the second Dividend Rate & Annual Percentage Yield listed for this account will apply. If your Daily Balance is $10,000.00 or greater, the third Dividend Rate & Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate & Annual Percentage Yield for that balance range will apply to the full balance of your account.
3
Dividends compounded monthly, dividends credited monthly,
dividend period = monthly. Limitation same as IRS.
4
Dividends compounded monthly, dividends credited monthly,
dividend period = monthly.
APY= (Annual Percentage Yield)
5
Dividends are compounded daily and posted monthly on the last day of the month. The Health Savings Account is a Tiered Rate account. If your Daily Balance is $4999.99 or below, the first Dividend Rate & Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $5,000.00 to $9,999.99 the second Dividend Rate & Annual Percentage Yield listed for this account will apply. If your Daily Balance is $10,000.00 or greater, the third Dividend Rate & Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate & Annual Percentage Yield for that balance range will apply to the full balance of your account. $3.00 monthly maintenance fee will be waived for members earning Premier Rewards. No other fee.
APY= (Annual Percentage Yield)
For complete information and share savings account details,
please refer to our
Truth in Savings page.
Certificate Savings
All rates subject to
change. Call for today's rates. Penalties may apply for
early withdrawals. Redeem your
Visa ScoreCard
Bonus Points to
improve your
rate on a 12, 18, 36, 48 or 54 Month Certificate.
|
Term |
Regular |
IRA |
Jumbo8 |
|
Dividend Rate* |
APY* |
Dividend Rate |
APY* |
Dividend Rate |
APY* |
|
30 Days (1 mo)7 |
0.30 |
0.30 |
-- |
-- |
-- |
-- |
|
Add .25% to stated rates below if
receiving Premier SunLife
Relationship Rewards. |
|
90 Days (3 mos)1 |
.30 |
.30 |
.40 |
.40 |
.40 |
.40 |
|
180 Days (6 mos)1 |
.45 |
.45 |
.55 |
.55 |
.55 |
.55 |
|
365 Days (12 mos)1 |
1.20 |
1.21 |
1.30 |
1.31 |
1.30 |
1.31 |
|
545 Days (18 mos)1 |
1.30 |
1.31 |
1.40 |
1.41 |
1.40 |
1.41 |
24
Month Add-On11
730 Days (24 mos) |
1.65 |
1.66 |
1.75 |
1.76 |
1.75 |
1.76 |
|
910 Days (30 mos)2 |
1.75 |
1.76 |
1.85 |
1.87 |
1.85 |
1.87 |
30 Month Youth Certificate
(No Minimum with Add-On)
910 Days (30 mos)10 |
1.75 |
1.76 |
1.85 |
1.87 |
1.85 |
1.87 |
|
1,095 Days (36 mos)4 |
2.15 |
2.17 |
2.25 |
2.27 |
2.25 |
2.27 |
42-Month Add-on
IRA Certificate12
1,302 Days (42 mos) |
-- |
-- |
2.55 |
2.58 |
2.55 |
2.58 |
|
1,460 Days (48 mos)4 |
2.50 |
2.53 |
2.70 |
2.73 |
2.70 |
2.73 |
Raise-Up
1,643 Days (54 mos)6 |
2.75 |
2.78 |
2.95 |
2.99 |
2.95 |
2.99 |
Roth & Traditional Lifetime IRAs
10 Years9 |
3.95 |
4.02 |
-- |
-- |
-- |
-- |
|
* Dividends compounded
monthly, dividends credited monthly, dividend period =
monthly. Minimum and maximum opening deposit = Federal
check amount. Additional deposits are not allowed.
Automatic renewal. APY=
(Annual Percentage Yield) |
1
Dividends compounded
monthly, dividends credited monthly, dividend period =
monthly. Minimum opening deposit = $500.00, Additional
deposits are not allowed. Automatic renewal.
2
Dividends compounded monthly,
dividends credited monthly, dividend period = monthly. Minimum
opening deposit = none, Additional deposits are not allowed.
Automatic renewal.
3
Dividends
compounded monthly, dividends credited monthly, dividend
period = monthly. Minimum opening deposit = $1,000 ($250
minimum for minors) , Additional deposits are allowed.
Automatic renewal.
4
Dividends compounded monthly,
dividends credited monthly, dividend period = monthly. Minimum
opening deposit = $1,000, Additional deposits are not allowed.
Automatic renewal.
5
A call option is a one-time, 30-day window allowing the
member to redeem early without penalty. The benefit is a
higher, locked-in yield, but a shorter commitment. Minimum
opening deposit = $1,000, Additional deposits are not
allowed. Automatic renewal without the call option.
6
During the term of your Raise-Up Certificate account, you may
increase the rate one time to the rate currently in effect
for accounts of this type with the same term. Dividends
compounded monthly, dividends credited monthly, dividend
period = monthly. Minimum opening deposit = $1000.00,
Additional deposits are not allowed. Automatic renewal
without raise-up option.
7
Dividends compounded monthly, dividends credited monthly,
dividend period=monthly. Minimum opening deposit = $10,000.
Additional deposits are not allowed. Automatic renewal. No
maturity notice is sent due to the frequency of maturity.
Term available to members with Loyal and Premier
relationships only.
8
Dividends compounded monthly, dividends credited monthly,
dividend period=monthly. Minimum opening deposit = $75,000.
Additional deposits are not allowed. Automatic renewal. Upon maturity, Jumbo Certificate accounts will automatically renew at the prevailing rate being offered on regular Certificate Accounts with the same term.
9
Dividends compounded monthly, dividends credited monthly,
dividend period=monthly. Minimum opening deposit = $50,000.
Additional deposits are not allowed. Lifetime IRA options may not be available at renewal time. If the option is not available, the certificate will be renewed for a standard term. The Dividend Rate and the Annual Percentage Yield may change every 2 years at the end of the certificate’s anniversary month as determined by the Credit Union’s Board of Directors, but will never be less than 4%. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Lifetime IRA Certificate accounts open longer than seven (7) days, you may make withdrawals up to 5% of the principal balance each year without penalty if you are over the age of 59 ½. For all other accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated
above.
10
Youth certificate only available
for members under 18. Dividends compounded monthly,
dividends credited monthly, dividend period = monthly. Minimum
opening deposit = none, Additional deposits are allowed.
Renewal is not automatic.
11 Dividends compounded monthly, dividends credited monthly, dividend period = monthly. Minimum opening deposit = $500.00, Additional deposits are allowed
for members 18 & older, but not for IRA accounts. Automatic renewal.
12
Dividends compounded monthly,
dividends credited monthly, dividend period = monthly. Minimum
opening deposit = $1,000, Additional deposits are allowed.
Automatic renewal.
For complete information and share certificate
account details, please refer to our
Truth in Savings page.
Loan Programs and Credit
Cards
All rates are subject to change. 'As low as' rates are based
on credit score, term and
relationship. Members with good credit histories will
receive our very best rates and members who may have had past
credit challenges will be assigned rates consistent with their
individual credit histories. ScoreCard
Bonus Points can be redeemed for a rate reduction on consumer
loans.
|
Type |
APR |
|
Vehicle
Loans |
|
New & Used Titled Vehicle
Loans3
(2000 or newer)
|
as low as 5.49
Apply Online |
|
Used Titled Vehicle Loans (older
than 2000) |
as low as 11.24 |
|
Get an auto loan or
make a referral and get $50*!
*Terms and Conditions Apply |
|
Personal Loans |
|
Lifestyle Signature
Loans...You Pick!
(computer, vacation) |
as low as 11.24
Apply Online |
|
Secured Line of Credit1
|
6.094 |
|
Unsecured Personal Line of
Credit1
|
8.094 |
|
Overdraft Protection |
Apply Online |
|
Debt Consolidation Personal
Loan |
as low as 7.9
Apply Online |
|
Student Loans |
|
|
Tuition |
as low as 11.24 |
Family Federal Student Loans
Enter our
lender code
# 832582 on your student loan application. |
Please Call |
|
Credit
Cards |
|
|
VISA Platinum Credit Card |
As Low As 7.9
Apply Online |
|
VISA Credit Card Cash Advance |
As Low As 7.9 |
|
Brass VISA Platinum
Credit Card |
9.9
details |
|
Student
VISA Platinum Credit Card |
9.9
details |
|
Credit Builder VISA
Platinum Credit Card |
9.9
details |
|
Home
Equity |
|
No Closing Cost Home Equity Line of Credit1
UP TO 90% LTV
dependent on credit score |
5.094 |
Home Improvement (Equity)
Fixed
Rate dependent on
term, LTV & credit score |
as low as 5.75 |
|
20 Year Fixed Home Equity |
as low as 6.25 |
|
First Mortgages |
|
|
Mortgage2
Purchases
& Refinances |
Click for
Rates |
|
Call us
for the most current purchase and refinance rates and for details on these and other mortgage products we offer to meet your needs. |
1
The Lines of Credit are
quarterly adjustable and tied to the 11th District Cost of
Funds.
LTV=loan to value. An appraisal fee will apply for loans more than $50,000 or with greater than 80% loan to value ratio.
2
Rate dependent on term, amount financed, LTV and credit score.
3
Stated rate includes the
.25% rate discount for members receiving Loyal & Premier
SunLife Relationship Rewards.
Rates may change daily. Please call for the most current rate.
APR = Annual Percentage Rate
Business
Solutions
As low as" rates are based on credit and risk score. To ensure you have the most current rates, please use your browser's refresh (or reload) button to update this page.
|
Business
Savings & Checking |
Dividend Rate |
APY |
|
Share Savings1 |
0.20 |
0.20 |
Business
Checking2
Tier 1
$10,000 – $24,999.99
Tier 2 $25,000.00 – $49,999.99
Tier 3 $ $50,000.00– $74,999.99
Tier 4
$75,000.00 & above |
.40%
.75%
1.00%
1.35% |
.40%
.75%
1.01%
1.36% |
1
Dividends compounded monthly, dividends credited monthly,
dividend period = monthly. Minimum opening deposit = $5.00,
Minimum Balance to earn dividends = $5.00, Transfer
limitations.
2
Dividends compounded daily, dividends credited monthly,
dividend period = monthly. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Savings the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. The Business Checking account is a Tiered Rate account. If your Average Daily Balance is from $10,000 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is from $25,000 to $49,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is from $50,000 to $74,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is $75,000 or more, the fourth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Once a particular range is met, the Dividend Rate & Annual Percentage Yield for that balance range will apply to the full balance of your account.
|
Business
Lines of Credit |
|
|
Secured Business Line of
Credit 1
|
7.000 |
|
Unsecured Business Line of Credit1
|
9.000 |
|
Business Credit Card |
|
|
Visa Platinum Business Credit Card |
10.90 |
|
Professional
Business
Vehicle or Equipment Loans |
|
|
Business Vehicle or Equipment Loans |
as low as 5.74 |
|
Professional
Musician Instrument
Loans |
|
|
New or used - Borrow up to 80% of the market (retail) value (determined by certificate of authenticity & current appraisal). |
|
1-5 Year Fixed |
as low as 5.50 |
|
6-10 Year Fixed |
as low as 5.75 |
|
11-12 Year Fixed |
as low as 6.00 |
|
12/20 Non-Rollover Note |
as low as 6.25 |
|
12/25 Non-Rollover Note |
as low as 6.375 |
|
12/30 Non-Rollover Note |
as low as 6.50 |
1
The Lines of Credit are
quarterly adjustable and tied to the 11th District Cost of
Funds.
LTV=loan to value.
|
