|
|
Dividend Rates as of January 2010 |
|
Type |
Minimum |
APR* |
APY** |
| 6 Month |
$1,000 min |
.85% |
.853% |
| 12 Month |
$1,000 min |
.85% |
.853% |
| 24 Month |
$1,000 min |
.85% |
.853% |
| I.R.A. Accounts |
N/A |
0.75% |
0.753% |
| Share Accounts |
$25-$2,499 |
.25% |
.250% |
| |
$2,500- $4,999 |
.25% |
.250% |
| |
$5,000-$9,999 |
.25% |
.250% |
|
|
$10,000-$24,999 |
.25% |
.250% |
|
|
$25,000-$49,999 |
.25% |
.250% |
|
|
$50,000 + |
.25% |
.250% |
| Christmas Accounts |
N/A |
.25% |
.250% |
|
Christmas In July Certificates |
N/A |
.75% |
.753% |
|
*APR - Annual Percentage Rate
Late Charges: If you are 15 days or more late in making a payment, you will pay a late charge of 10% of the amount due, with a $10 minimum.
Collection Costs: You promise to pay, subject to any limits under applicable law, all costs of collecting the amount you owe under this agreement. This includes but is not limited to reasonable attorney's fees and court costs, as well as legal expenses for any bankruptcy, appeals, or post-judgement proceedings.
All rates, terms and conditions are subject to change at anytime without prior notice by the Board of Directors. Rates are based on approved credit. |
|
Rates subject to change without prior notice
*APR - Annual Percentage Rate
**APY - Annual Percentage Yield |
***1 % Discount for New or Used Vehicles with 25 MPG or better rating***
|
Loan Rates Effective date: January 31, 2007 |
|
Sub-Account Description |
Daily Periodic Rate |
APR* |
| Share secured |
.010959 |
4.00% |
|
Minimum Payments: The amount and due date of your payment will be estimated at the time of each advance and will be disclosed on the voucher accompanying the advance. |
| New Auto |
.015069 to .017809 |
5.50% to 6.50% |
| Used Auto |
.023288 to .021233 |
7.50% to 7.75% |
|
Minimum Payments: Your minimum payment will never be less than $25. |
| Signature |
.038357 |
14.00% |
| Line of Credit/Consolidation |
.036987 |
13.50% |
| Over Draft Protection |
.049315 |
18.00% |
|
Minimum Payments: Min payment $25 |
| Visa Classic |
.038083 |
13.90% |
| Visa Platinum |
.027124 |
9.90% |
|
Minimum Payments: 3 % of outstanding balance or $25 | | 
