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Share Certificates

12-Month Share Certificates
$1,000.00 minimum deposit 12 months to maturity
Fixed rate for 12 months Penalty for early withdrawal: 90 days dividends
Type
Terms
Rate
APY*
60
Dividends compounded quarterly
.50%
.51%

24-Month Share Certificates 
$1,000.00 minimum deposit 24 months to maturity
Fixed rate for 24 months Penalty for early withdrawal: 180 days dividends
Type
Terms
Rate
APY*
64
Dividends compounded quarterly
.70%
.71%

IRA Certificates
12-Month IRA Certificates 
$1,000.00 minimum deposit 12 months to maturi
Fixed rate for 12 months Penalty for early withdrawal:
• 1 year or less - 90 days dividends
• Over 1 year - 180 days dividends
Type
Terms
Rate
APY*
86
Dividends compounded quarterly
.50%
.51%

24-Month IRA Certificate 
$1,000.00 minimum deposit 24 months to maturity
Fixed rate for 24 months Penalty for early withdrawal:
• 1 year or less - 90 days dividends
• Over 1 year - 180 days dividends
Type
Terms
Rate
APY*
85
Dividends compounded quarterly
.70% 
.71%

Loan Rates

Subaccount Description

Approximate
Term
(In Months)

 

ANNUAL
PERCENTAGE
RATE

Vehicles                New & Used      (No Salvage Titles)                       2011- 2012

New Auto (2011-2012)

$500 +

36

 

4.99%

$5,000 +

60
 
6.99%

$10,000 +

72

 

7.25%

 

   

 

Used Auto (2008-2010)

$500 +

36

 

5.99%

 up to $5,000

48

 

6.99%

 $5,000 - $10,000

60

 

8.75% 

2003-2008 Used Auto

48

 

13.5%

Recreation Vehicles             New & Used                                          2007 - 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%

 

Motorcycle               New & Used                                                      2007 -Present

$500  and above

48

 

6.25%

$10,000 and above

60

 

8.25%

 

     

ATV and Watercraft                                           

2006-Present

48

 

7.99%

 

60

 

8.99%

       

Tractor and Lawnmower                                        

Lawnmower 2006-Present

36

 

8.99%

Tractor (no attachments, implements, or trailers)
Maximum loan amount $15,000

48

 

6.25%

60

 

6.99%

       

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%

Christmas Loan $1,200

12 months

 

6.00%

* 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.

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Address:
1 Cooperative Way
P.O. Box 194208
Little Rock, AR 72219

Toll-Free:
800-442-0186

Fax Number:
501-570-2393

Holiday Closings:
Feb 18 – Presidents Day
March 29 – Good Friday
May 27 – Memorial Day
July 4 – Independence Day

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Equal Housing Opportunity We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. NCUA
Credit Unions of Arkansas
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