 Home
About Us
eZ At Home Access
Helpful Links
Info Desk
Products & Services
What's New
|
|
Rates
Share Accounts / Share & IRA Certificates / Checking Accounts / IRAs / Loans
Share Accounts
The credit union is currently paying a dividend rate on the following account balances:
| Account balance of $1,000.00 or below |
.25% with an APY of .25%* |
| Account balance of $1,000.01 - $5,000.00 |
.25% with an APY of .25%* |
| Account balance of $5,000.01 - $10,000.00 |
.40% with an APY of .40% * |
| Account balance of $10,000.01 - $50,000.00 |
.50% with an APY of .50% * |
| Account balance of $50,000.01 & above |
.50% with an APY of .50%* |
On the following accounts:
- Share Accounts
- Daily Share Accounts
- Business Share Accounts
- Custodial Accounts
- Christmas Club Accounts
- Travel Accounts
*Annual percentage yield (APY) is accurate as of February 1, 2009. Dividend rates may change after the account is opened. Dividend rates may change at anytime without notice. A minimum balance of $5.00 required in Share and Custodial accounts at all times to earn the advertised APY. The required $5.00 balance will be forfeited if the account is closed within the first 90 days of membership. Inactive accounts (no activity within a 12-month period) will be charged a $5.00 dormant account fee until account is re-activated or closed.
Share & IRA Certificates
The minimum opening deposit on a certificate is $1,000.00 with the exception of a $500.00 opening deposit on a custodial account. Six month term is not available for an IRA Certificate.
| 6 Month Term |
0.90% with an APY of 0.90%* |
| 12 Month Term |
1.10% with an APY of 1.11%* |
| 24 Month Term |
1.50% with an APY of 1.51%* |
*APY=Annual Percentage Yield. Dividend rates may change at any time without notice.
Checking Accounts
The credit union is currently paying a dividend rate of .10% with an APY of .10%* on the following accounts:
- Checking Accounts
- Business Checking Accounts
*Annual percentage yield (APY) is accurate as of January, 1 2009. Dividend rates may change after the account is opened. Dividend rates may change at anytime without notice.
IRAs
The credit union is currently paying a dividend rate of 0.65% with an APY of 0.65%* on the following accounts:
- Traditional IRAs
- Roth IRAs
- Educational IRAs
*Annual Percentage Yield (APY) is accurate as of February, 1 2009. Dividend rates may change after the account is opened. Dividend rates may change at anytime without notice.
Loans
NEW VEHICLES
New Traditional – 100% Financing
|
36 months
|
as low as 3.75% APR*1
|
|
60 months
|
as low as 4.00% APR*2
|
|
72 months
|
as low as 4.25% APR*3
|
New Recreational – 100% Financing
|
Up to 72 months
|
as low as 6.50% APR*4
|
|
73-114 months (must borrow $50,000.00 or more)
|
as low as 7.50% APR*5
|
New Motorcycle – 100% Financing
|
36 months
|
as low as 6.50% APR*6
|
|
60 months
|
as low as 7.50% APR*7
|
|
72 months
|
as low as 8.00% APR*8
|
USED VEHICLES
Used Traditional – 100% of average NADA retail value
|
1-4 Years (2009-2006)
|
72 months
|
as low as 4.25% APR*9
|
|
5-7 Years (2005-2003)
|
60 months
|
as low as 4.25% APR*10
|
|
8+ Years (2002-1991)
|
36 montha
|
as low as 4.25% APR*12
|
|
|
|
|
Vintage Vehicle – 70% of market value
|
60 months
|
as low as 10.75% APR*13
|
Used Recreational – 90% of average NADA retail value
|
1-4 Years (2009-2006)
|
72 months
|
as low as 7.50% APR*14
|
|
5-7 Years (2005-2003)
|
60 months
|
as low as 7.50% APR*15
|
|
8-19 Years (2002-1991)
|
36 months
|
as low as 7.50% APR*16
|
|
If value of the vehicle is over $50,000.00 minus age if vehicle
|
120 months
|
as low as 7.50% APR*17
|
Used Motorcycle – 90% of average NADA retail value
|
60 months
|
as low as 8.00% APR18
|
UNSECURED LOANS
Personal/Signature Loan
|
72 months
|
as low as 11.00% APR*19
|
Share Secured
|
12 months
|
2.60% APR20
|
|
24 months
|
2.85% APR21
|
|
25-48 months
|
3.35% APR22
|
|
49-60 months
|
3.85% APR23
|
Unsecured VISA® Credit Card
Share Secured VISA® Credit Card
MORTGAGES FIRST MORTGAGES
| 60 months |
as low as 4.40% APR |
| 120 months |
as low as 4.40% APR*27 |
| 180 months |
as low as 4.75% APR*28 |
| 240 months |
as low as 5.00% APR*29 |
"Equal Housing Lender"
|
60 months
|
as low as 6.25% APR*30
|
|
120 months
|
as low as 6.50% APR*31
|
|
180 months
|
as low as 7.25% APR*32
|
“Equal Housing Lender”
Open –End Variable Rate Home Equity Line of Credit
|
Range of balances
|
Payoff Period
|
Rate
|
|
Up to $5,000.00
|
60 months
|
4.50% APR*33
|
|
$5,001.00 to $25,000.00
|
120 months
|
4.50% APR*34
|
|
$25,001.00 and Above
|
180 months
|
4.50% APR*35
|
“Equal Housing Lender”
PAYMENTS & TERMS
|
* The rate on this product is currently as low as the quoted APR (Annual Percantage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.
|
|
1 Payment as low as $298.63 per $10,000.00 borrowed, based on a 36-month term.
|
|
2 Payment as low as $188.75 per $10,000.00 borrowed, based on a 60-month term.
|
|
3 Payment as low as $162.20 per $10,000.00 borrowed, based on a 72-month term.
|
|
4 Payment as low as $189.85 per $10,000.00 borrowed, based on a 60-month term.
|
|
5 Payment as low as $122.94 per $10,000.00 borrowed, based on a 114-month term.
|
|
6 Payment as low as $306.55 per $10,000.00 borrowed, based on a 36-month term.
|
|
7 Payment as low as $200.44 per $10,000.00 borrowed, based on a 60-month term.
|
|
8 Payment as low as $175.39 per $10,000.00 borrowed, based on a 72-month term.
|
|
9 Payment as low as $189.85 per $10,000.00 borrowed, based on a 60-month term.
|
|
10 Payment as low as $300.83 per $10,000.00 borrowed, based on a 36-month term.
|
|
11 Longer term only if loan value is $10,000.00 or more. Payment of $231.43 per $10,000.00 borrowed, based on a 48-month term.
|
|
12 Payment as low as $439.85 per $10,000.00 borrowed, based on a 24-month term.
|
|
13 Payment as low as $216.26 per $10,000.00 borrowed, based on a 60-month term.
|
|
14 Payment as low as $200.44 per $10,000.00 borrowed, based on a 60-month term.
|
|
15 Payment as low as $311.13 per $10,000.00 borrowed, based on a 36-month term.
|
|
16 Payment as low as $450.08 per $10,000.00 borrowed, based on a 24-month term.
|
|
17 If value of the vehicle is over $25,000.00 you may borrow for up to 114 months, less the age of the vehicle. Payment as low as $122.97 per $10,000.00 borrowed, based on a 114-month term.
|
|
18 Payment as low as $202.83 per $10,000.00 borrowed, based on a 48-month term.
|
|
19 Payment as low as $20.50 per $1000.00 borrowed, based on a 60-month term.
|
|
20 Payment of $84.52 per $1,000.00 borrowed, based on a 12-month term.
|
|
21 Payment of $42.92 per $1,000.00 borrowed, based on a 24-month term.
|
|
22 Payment of $22.29 per $1,000.00 borrowed, based on a 48-month term.
|
|
23 Payment of $22.30 per $1,00000 borrowed, based on a 60-month term.
|
|
24 Fixed 8.50% APR (Annual Percentage Rate) for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee.Please see your VISA® disclosure or call (330) 825-2455 for more information.
|
|
25Fixed 6.90% APR (Annual Percentage Rate) for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your Secured VISA® disclosure or call (330) 825-2455 for more information.
|
|
|
|
27 No Points! Home must currently be titled in the name of the borrower(s) and be the primary residence. Payment as low as $185.98 per $10,000.00 borrowed, based on a 60-month term. “Equal Housing Lender”
|
|
28 No Points! Home must currently be titled in the name of the borrower(s) and be the primary residence. Payment as low as $103.17 per $10,000.00 borrowed, based on a 120-month term. “Equal Housing Lender”
|
|
29 No Points! Home must currently be titled in the name of the borrower(s) and be the primary residence. Payment as low as $77.802 per $10,000.00 borrowed, based on a 180-month term. “Equal Housing Lender”
|
|
30 Payment as low as $191.05 per $10,000.00 borrowed, based on a 60-month term. “Equal Housing Lender”
|
|
31 Payment as low as $109.78 per $10,000.00 borrowed, based on a 120-month term. “Equal Housing Lender”
|
|
32 Payment as low as $84.42 per $10,000.00 borrowed, based on a 180-month term. “Equal Housing Lender”
|
|
33*APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime + 0, WSP is 4.00% APR as of 10/29/08. Minimum APR is 4.50%, Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease). Once you’re “locked in” to the initial rate, it is not subject to change until April 2009 and annually after that. Payment of 18.65 per $1,000.00 borrowed, based on a 60-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”
|
|
34 *APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime + 0, WSP is 4.00% APR as of 10/29/08. Minimum APR is 4.50%, Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease). Once you’re “locked in” to the initial rate, it is not subject to change until April 2009 and annually after that. Payment of $51.84 per $5,000.00 borrowed, based on a 120-onth term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”
|
|
35 *APR=Annual Percentage Rate. Open-end, variable rate Home Equity Line of Credit. Current rate is based on Wall Street Journal Prime + 0, WSP is 4.00% APR as of 10/29/08. Minimum APR is 4.50%, Maximum APR is 15.0%. Periodic cap is 3.0% per year (increase or decrease). Once you’re “locked in” to the initial rate, it is not subject to change until April 2009 and annually after that. Payment of $38.27 per $5,000.00 borrowed, based on a 180-month term. Consult your tax advisor regarding interest deductibility. “Equal Housing Lender”
|
|
36 *APR=Annual Percentage Rate. Open-end line of credit. Credit on approval.
|
|
