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Risk-Based | Loans | Mortgage | Savings | Certificates
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Rates are current as of July 30, 2008
|
Good As Gold VISA Card
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Classic VISA |
9.90 |
12.90 |
15.90 |
15.90 |
Auto Loan (New or Pre-Owned)
| Credit Rating |
A
APR* |
Payment Per $1,000**
|
B
APR* |
Payment Per $1,000** |
C
APR* |
Payment Per $1,000** |
D
APR* |
Payment Per $1,000** |
E
APR* |
Payment Per $1,000** |
| 36 Mo. |
5.24 |
|
6.50 |
$31.92 |
8.50 |
$32.88 |
11.50 |
$34.32 |
14.00 |
$35.56 |
| 48 Mo. |
5.24 |
|
7.00 |
$25.26 |
9.00 |
$26.22 |
12.00 |
$27.72 |
14.50 |
$29.00 |
| 60 Mo. |
6.25 |
$20.76 |
7.50 |
$21.38 |
9.50 |
$22.38 |
12.50 |
$23.94 |
| 72 Mo. |
6.75 |
$18.28 |
8.00 |
$18.92 |
10.00 |
$19.96 |
| 84 Mo. |
7.25
|
$16.62 |
8.50 |
$17.26 |
10.50 |
$18.34 |
InstantAccess Credit Line
|
Credit Rating
|
A
APR* |
B
APR* |
C
APR* |
| Unsecured Credit Line |
11.00 |
12.50 |
14.00 |
Unsecured Personal
| Credit Rating |
A
APR* |
Payment Per $1,000**
|
B
APR* |
Payment Per $1,000**
|
C
APR* |
Payment Per $1,000**
|
D
APR* |
Payment Per $1,000**
|
E
APR* |
Payment Per $1,000**
|
| Max. 48 Mo. |
10.50 |
$26.96 |
12.00 |
$27.72 |
13.50 |
$28.48 |
15.00 |
$29.26 |
17.00 |
$30.32 |
Recreational Vehicle
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| Up to 10 yrs |
10.00 |
12.00 |
13.50 |
15.00 |
17.00 |
|
*APR = Annual Percentage Rate
**Estimated principle and interest payment per $1,000 borrowed at stated or maximum term, including optional
credit life and disability insurances. (Example: For $11,000 borrowed and payment per $1,000 is $26.96,
estimated monthly payment = 11 x $26.96 = $296.56)
Auto Loans Only:
VSI (Vendors Single Interest) Insurance is required on all Auto Loans, at additional cost. The credit union charges
a one-time premium of $35.00 per loan at time of disbursment for this insurance, unless borower acquires
from another vendor. Additional .25% rate discount if purchased from Enterprise Car Sales.
Go To Loan Application | Go To Calculators | Back to Top
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| Loans |
Rate Type |
Rate |
APR* |
Term |
|
| Draft Access Line of Credit (Overdraft) |
Variable |
15.00 |
15.00 |
N/A |
Calculator |
| Secured Personal - Shares |
Fixed |
4.75 |
4.75 |
60 |
Calculator |
| Secured Personal - Non-Shares |
Div Rate + 4.00% |
|
|
60 |
Calculator |
| Home Equity Line of Credit - HomeFree |
Variable (Quarterly) |
7.25 |
7.25
|
120 |
Calculator |
| Home Equity Line of Credit - HomeFree IO (Interest Only) |
Variable (Monthly) |
7.25 |
7.25
|
120 |
Calculator |
*APR = Annual Percentage Rate.
Non-mortgage loans calculate simple interest on number of days outstanding; example: Auto Loan $10,000.00 for 48 months at 6.75% Annual Percentage Rate(APR): Monthly Payment +=$238.33, Total Interest = $1,439.84, Total Payments = $11,439.84. Optional Credit Life and Credit Disability Insurance are available at additional cost (not included in above example); credit insurances are not required for borrowing. Rates are subject to change. Not responsible for typographical errors or omissions.
Go To Loan Application | Go To Calculators | Back to Top
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Click Here For Current Mortgage Rates
| Rate |
Points |
APR* |
| Click Link |
Click Link |
Click Link |
| Savings |
Minimum Dividend Balances |
Dividend Rate |
APY* |
| Access Share Draft (Checking) |
$0 |
0.35 |
0.35 |
| Shares (Savings) |
$100 |
0.50 |
0.50 |
| Money Market Shares |
$2,500 |
1.25 |
1.26 |
| Club Accounts (Christmas, Vacation) |
$100 |
0.50 |
0.50 |
| IRA Shares - (Basic, ROTH, Education) |
$100 |
0.50 |
0.50 |
All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. All share account rates are Variable Rates (unless otherwise noted).
*APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions.
Rates are subject to change. Not responsible for typographical errors or omissions.
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| Certificates |
Minimum Dividend Balances |
Dividend Rate |
APY* |
| 6 Month (Regular and IRA) |
$500 |
2.35 |
2.38 |
| 12 Month (Regular and IRA) |
$500 |
2.70 |
2.73
|
| 24 Month (Regular and IRA) |
$500 |
2.95 |
2.99 |
| 36 Month (Regular and IRA) |
$500 |
3.15 |
3.20 |
All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal.
*APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions.
Rates are subject to change. Not responsible for typographical errors or omissions.
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