|
|
Regular/Special
Share
Account
|
Money
Market Fund Acct.
|
Club
Share
Account
|
Christmas
Share
Account
|
IRA
Passbook
Account
|
Youth
Share
Account
|
|
DIVIDENDS
Dividend
Rate/Annual Percentage Yield
|
DVD .25%
APY .25%
|
DVD .25%
APY .25%
|
DVD .25%
APY .25%
|
DVD 3.00%
APY 3.04%
|
DVD .25%
APY .25%
|
DVD .25%
APY .25%
|
|
Dividends Compounded
|
Monthly
|
|
Dividends Credited
|
Monthly
|
|
Dividend Period
|
Calendar Month
|
|
BALANCE REQUIREMENTS
|
|
Minimum Opening Deposit
|
$50.00
|
$2,500.00
|
$5.00
|
--
|
--
|
$5.00
|
|
Minimum Balance to Avoid a Service Fee
|
NONE
|
|
Minimum Balance to Earn the Stated APY
|
$50.00
|
$2,500.00
|
$5.00
|
--
|
--
|
$5.00
|
|
Balance Method
|
Average Daily Balance
|
|
ACCOUNT LIMITATIONS
Refer to Truth-In-Savings Disclosure.
|
Account
transfer
limitations apply.
|
--
|
--
|
Account
withdrawal
limitations
apply.
|
Penalty for early withdrawal may apply.
|
Account
transfer
limitations
apply.
|
|
Program
|
APR*
|
|
PERSONAL (Up to $30,000)
|
|
Up to 3 Years
|
As low as 6.00% APR*
|
|
4 Years
|
As
low as 6.50% APR*
|
|
5 Years
|
As low as 6.75% APR*
|
|
6 Years
|
As
low as 8.00% APR*
|
|
|
|
NEW AUTOS (100% financing available)
|
|
Up to 5 Years
|
As
low as 5.00% APR*
|
|
6 Years
|
As
low as 6.00% APR*
|
|
7 Years
|
As low as 7.00% APR*
|
|
|
|
PRE-OWNED AUTOS (Up to 5 years old – up to 100% of HIGH Blue
Book Value)
|
|
Up to 5 Years
|
As
low as 6.25% APR*
|
|
6
Years
|
As low as 7.25% APR* |
|
|
|
OVERDRAFT PROTECTION
|
|
Signature
|
As low as 10.00% APR*
|
|
|
|
SECURED LOANS
|
|
Loans secured by Shares
|
|
The Annual Percentage Rate (APR)
will be the dividend
rate being paid on Regular Shares (Index) on the date of the advance plus
a margin of 2%. Thereafter, the rates are subject to change on the
first day of each month to reflect any change in the index.
|
|
Loans secured by Term Share Accounts (Certificates)
|
|
The Annual Percentage Rate (APR) will be the
dividend rate being paid on the Share Certificate offered as security plus
2%.
|
|
|
|
HOME EQUITY LOAN DRAFT
|
Please call us for current rates.
|
|
*The ANNUAL PERCENTAGE RATE (APR) you receive for
the above subaccounts will be within the range disclosed above and is
based on certain credit-worthiness criteria. Rates subject to change
without notice. Please ask the Credit Union for the rate you qualify
for.
|
|
VISA CREDIT CARD
|
|
Classic
|
|
|
Annual
Percentage
Rate (APR) for
Purchases
|
15.00%
|
|
Other
APRs
|
Cash
Advance APR . . . . . 15.0%
Balance
Transfer APR . . . 15.0%
|
|
Grace Period
for Purchases |
25 Days |
|
Method of
Computing the
Balance for
Purchases |
Average
Daily Balance
(Including New Purchases) |
|
Annual Fee |
None |
|
Minimum
Finance Charge |
None |
|
Transaction Fee for Purchases
|
None |
|
Foreign Transaction
Fee |
1% of transaction
amount |
|
Late Payment Fee
|
$15.00* |
|
*If
ten (10) or more days late
|
|
Gold
|
|
|
Annual
Percentage
Rate (APR) for
Purchases
|
9.50%
|
|
Other
APRs
|
Cash
Advance APR . . . . . 9.50%
Balance
Transfer APR . . . 9.50%
|
|
Grace Period
for Purchases |
25 Days |
|
Method of
Computing the
Balance for
Purchases |
Average
Daily Balance
(Including New Purchases) |
|
Annual Fee |
None |
|
Minimum
Finance Charge |
None |
|
Transaction Fee for Purchases
|
None |
|
Foreign Transaction
Fee |
1% of transaction
amount |
|
Late Payment Fee
|
$15.00* |
|
*If
ten (10) or more days late
|
|
|
