|
 |
 |
 |
|
|
Rates |
|
|
|
SHARE CERTIFICATES
|
12-Month Share Certificates
|
|
Type
|
Terms
|
Rate
|
APY*
|
|
60
|
Dividends compounded quarterly
|
1.25%
|
%
|
24-Month Share Certificates
|
|
Type
|
Terms
|
Rate
|
APY*
|
|
64
|
Dividends compounded quarterly
|
1.75%
|
%
|
IRA SHARE CERTIFICATE ACCOUNTS
|
12-Month IRA Certificates
|
|
Type
|
Terms
|
Rate
|
APY*
|
|
86
|
Dividends compounded quarterly
|
1.25%
|
%
|
24-Month IRA Certificates
|
|
Type
|
Terms
|
Rate
|
APY*
|
|
85
|
Dividends compounded quarterly
|
1.75%
|
%
|
|
EACH ACCOUNT IS INSURED TO AT LEAST $100,000 BY THE
NATIONAL CREDIT UNION ADMINISTRATION
|
*** CD Rates are reviewed weekly and are subject to chage. You must contact the Credit Union for official rate. Above rates are effective February 19, 2010***
|
|
LOAN RATES
|
|
|
Subaccount Description
|
Approximate
Term
(In Months)
|
|
ANNUAL
PERCENTAGE
RATE
|
| Vehicles New & Used (No Salvage Titles) 2004- Present |
|
New Auto
|
| $500 + |
36
|
|
4.99%
|
|
$5,000 +
|
60
|
|
6.99%
|
| $10,000 + |
72
|
|
7.25%
|
|
|
|
|
|
|
Used Auto (2004 - 2007)
|
| $500 + |
36
|
|
5.99%
|
|
up to $5,000
|
48
|
|
6.99%
|
|
$5,000 - $10,000
|
60
|
|
8.75%
|
|
1998 -2003 Used Auto
|
48
|
|
13.5%
|
|
Recreational Vehicles New & Used 2000 - Present
|
|
Boats (as unit), Trailers and Pull Campers
$10,000 and above
|
54
|
|
7.99%
|
|
60
|
|
8.49%
|
|
$25,000 and above
|
|
84
|
|
9.25%
|
|
Prior to 2000
|
|
54
|
|
10.25%
|
|
|
|
|
|
|
Campers, Dirt Bikes, etc.(New - 1 Yr)
|
54
|
|
9.25%
|
|
60
|
|
9.90%
|
|
|
|
Motorcycle New & Used 2005 - Present
|
|
$500 and above
|
48
|
|
6.25%
|
|
$10,000 and above
|
60
|
|
8.25%
|
|
|
|
|
|
|
Other Loans
|
|
Signature
|
36
|
|
14.5%
|
| |
|
|
|
Line of Credit
|
-
|
|
9.99%
|
|
Share Secured
|
-
|
|
6.00%
|
|
Share Certificate of Deposit Secured
|
-
|
See Voucher
|
2% above CD Rate
Floor of 6.0%
|
* New Auto - automobiles that have never been titled, any refinance loan premotion will not fall under New Auto loan rates.
**NOTICE** Rates are subject to change without notice. For current rates, terms and conditions, please call the credit union office at (501) 570-2396 or 800-442-0186.
|
|
Fixed Rate Share Certificate of Deposit Secured:
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate of Deposit (CD) offered as security (index) plus a margin of 2%. The APR will never be less than 6.0%. The approximate term of the advance may not exceed the term of the CD offered as security. The APR and Daily Periodic Rate (DPR) will be disclosed on the Voucher at the time of the advance.
Minimum Payment:
The amount and due date of your payment will be established at the time of each advance and will be disclosed on the Voucher accompanying the advance. Your minimum monthly payment will never be less than $50.00.
Collection Costs:
You agree to pay all costs of collecting the amount you owe under this Agreement, including attorney fees not to exceed 10% of the amount of principal plus interest and all court costs.
Late Payment Fee:
A late payment fee of $10.00 will be assessed on any payment that is 15 or more days past due.
Credit Disability Insurance:
If you select this insurance coverage, cost will be calculated at $0.19 per $100.00 of your monthly loan balance.
Credit Life Insurance:
If you select this insurance coverage, cost will be calculated at $0.80 per $1,000 of Single Life Coverage and $1.40 per $1,000 for Joint Credit Life.
|
|
|
 |
|
|
