Effective Business Date: Friday, March 12, 2010
Current Rates
Savings
0.40
0.40
Checking
0.15
0.15
IRA
0.40
0.40
Clubs
0.40
0.40
APY = Annual Percentage Yield.Minimum balance to open IRA Certificates is 500 USD. Early withdrawal penalties apply.See ‘Schedule of Fees & Service Charges’ for further details.
All rates are subject to change without notice.Note: The Board of Directors has declared a 1.00% Bonus Dividend and a 1.00% Interest Refund for 2009.
Money Market ($2,500 - $24,999)
0.50
0.50
Money Market ($25,000 USD - 49,999 USD)
0.60
0.60
Money Market (50,000 USD +)
0.70
0.70
APY = Annual Percentage Rate
Minimum balance to earn dividends on Money Market Accounts is 2,500 USD.
See
Schedule of Fees & Service Charges for further details.
All rates are subject to change without notice.
3 Month
0.55
0.55
6 Month
0.85
0.85
9 Month
1.00
1.00
12 Month
1.24
1.25
18 Month
1.39
1.40
24 Month
1.54
1.55
30 Month
1.59
1.60
36 Month
1.88
1.90
42 Month
1.88
1.90
60 Month
2.86
2.90
APY = Annual Percentage Yield.
Minimum balance to open Share Certificates is 500 USD.
Certificate dividends are compounded daily and credited monthly.
Early withdrawal penalties apply.
See Schedule of Fees & Service Charges for further details.
All rates are subject to change without notice.
VISA Student Classic Credit Card
5.90%
Wall Street Journal (WSJ) Prime
8.65%
11.90%
N/A
VISA Classic Credit Card
5.90%
WSJ Prime
8.65%
11.90%
N/A
VISA Gold Credit Card
5.90%
WSJ Prime
7.65%
10.90%
N/A
Visa Platinum Access Credit Card
0.00%
WSJ Prime
6.65%
9.90%
N/A
Checking Line of Credit
10.00%
WSJ Prime
10.00%
10.00%
N/A
Signature
6.50%
WSJ Prime
5.00%
N/A
10.50%
90 Days Same as Cash
0.00%/7.75%
WSJ Prime
4.50%
N/A
N/A
Debt Consolidation
10.95%-13.95%
WSJ Prime
8.00%-11.00%
N/A
12.95%-15.95%
Home Improvement
7.50%
WSJ Prime
5.00%
N/A
8.75%
Overseas Home
8.95%-10.95%
WSJ Prime
6.00%-8.00%
N/A
10.95%-12.95%
Education
7.45%
WSJ Prime
4.50%
N/A
8.75%
Auto (secured)
4.50%
WSJ Prime
1.50%
N/A
5.50%
Auto (unsecured)
6.25%
WSJ Prime
3.50%
N/A
7.75%
Savings Secured
2.40%
Savings Rate
2.00%
N/A
N/A
Share Certificate Secured
Share Certificate Dividend Rate +2.0%
Share Certificate Rate
2.00%
N/A
N/A
U.S. Federal Government Education Loans
Call For Rate
N/A
N/A
N/A
N/A
| Rates are subject to change without prior notice. Current WSJ Prime is 3.25% |
1. All rates quoted are annual percentage rates (APR). Rates quoted are for ‘A’ credit members. Creditworthiness will determine actual APR.
2. There is no annual fee for VISA Student, VISA Classic and VISA Gold credit cards. The annual fee for VISA Platinum Access is $50. Late payment fee for VISA credit cards is US $10.
3. The introductory rate period for VISA Student, VISA Classic, VISA Gold, and Visa Platinum is six (6) months.
4. The current indexed APR for VISA credit cards is determined by adding the listed margin to the Wall Street Journal Prime as published on the last day of the preceding month of each billing cycle, subject to a minimum APR of 9.90% for VISA Student, VISA Classic and VISA Gold, and 8.90% for VISA Platinum Access.
5. Rates for new cars may be discounted by 0.25% for every 5% down payment, up to a maximum discount of 1%.
6. For eligible students and parents – US government determines eligibility. Call for a brochure or contact your college financial aid office for further information.
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IMPORTANT NOTICES
Rates and terms are subject to change without prior notice. This rate sheet does not constitute a commitment. Rates and points can only be locked upon receipt of a completed Rate Lock Agreement and a lock-in deposit. This rate sheet reflects the current base interest rates for Purchase and Refinance Transactions.
Rates and terms are based on an evaluation of each member. Rate, APR and points may be adjusted based on several factors, including but not limited to loan type, loan purpose ,documentation type, loan amount, occupancy type, property type, loan to value and your credit score. Your final rate, APR and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. All loans are subject to credit approval. |
| Loan Type | Points1 | Rate | APR |
| 30 Year Fixed Rate | 0 | 5.125 | 5.161 |
| 30 Year Fixed Rate | 1 | 4.875 | 4.999 |
| 25 Year Fixed Rate | 0 | 5.125 | 5.166 |
| 25 Year Fixed Rate | 1 | 4.875 | 5.017 |
| 20 Year Fixed Rate | 0 | 4.875 | 4.924 |
| 20 Year Fixed Rate | 1 | 4.625 | 4.793 |
| 15 Year Fixed Rate | 0 | 4.375 | 4.436 |
| 15 Year Fixed Rate | 1 | 4.125 | 4.336 |
| 10 Year Fixed Rate | 0 | 4.125 | 4.212 |
| 10 Year Fixed Rate | 1 | 3.875 | 4.177 |
| 1/1 Year Adjustable | 0 | 3.375 | 2.945 |
| 1/1 Year Adjustable | 1 | 3.125 | 3.005 |
| 3/3 Year Adjustable | 0 | 3.75 | 3.88 |
| 3/3 Year Adjustable | 1 | 3.5 | 3.906 |
| 5/1 Year Adjustable | 0 | 3.875 | 3.256 |
| 5/1 Year Adjustable | 1 | 3.625 | 3.249 |
| 7/23 Year Adjustable | 0 | 5 | 5.661 |
| 7/23 Year Adjustable | 1 | 4.75 | 5.628 |
| 10/1 Year Adjustable | 0 | 4.875 | 4.163 |
| 10/1 Year Adjustable | 1 | 4.625 | 4.087 |
| EquityLoan | 0 | 8 | 8.004 |
| EquityLine | 0 | 4.95 | 4.95 |
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