Rates
Savings Rates - Effective As of 12/01/2011
| Share Rate Types | Minnimum to Open |
Minimum Balance to Earn Dividend |
Anticipated Dividend Rate |
Anticipated |
Compounding and Crediting Dividend Period |
Monthly Service Fee |
Minimum Balance to Avoid Monthly Fee |
| Membership Savings | $25 |
$200 |
0.05% |
0.05% |
Quarterly |
None |
N/A |
| apof | apof |
$5,000.01 |
0.175% |
0.175%
|
apof |
apof |
apof |
| sdfasfapof | apof |
$15,000.01 |
0.375% |
0.375% |
apofsdfasf |
sdfaapofsf |
sdfasf |
| Money Market Savings | $2,000 |
$2,000 |
0.250% |
0.250% |
Monthly |
None |
N/A |
| Christmas Club | $25 |
$25 |
0.175% |
0.175% |
Annually |
None |
N/A |
| IRA Savings | $25 |
$0.01 |
0.40% |
0.40% |
Quarterly |
None |
N/A |
| Free Checking | $100 |
N/A |
N/A |
sdfasf |
*** |
sdfasf |
|
| Standard Checking | $100 |
$500 |
0.05% |
0.05% |
Monthly |
$7 |
$500 |
Fees could reduce earnings on the account. Membership and Money Market savings accounts have transaction limitations and will be subject to excess withdrawal fees if those limits are reached. See Fee Schedule for the amounts.
* You must maintain the minimum daily balance in your account to obtain the annual percentage yield.
** You must maintain a minimum daily balance in your account to avoid a service fee. If, during any month, your account balance falls below the required
minimum daily balance, your account will be subject to the disclosed Monthly Service Fee for that month.
*** You must maintain direct deposit in your Free Checking account. If you fail to maintain direct deposit, the account will be subject to the same monthly
service fee as the Standard Checking.
Certificates of Deposit & IRA Certificates of Deposit
| Certificate Rates | Term |
Dividend Rate |
APY* |
| Share | 180 Days |
0.35% |
0.35%
|
| Share & IRA | 12 Months |
0.60% |
0.60% |
| Share & IRA | 24 Months |
0.85% |
0.85% |
| Share & IRA | 36 Months |
1.10% |
1.10% |
Minimum Balance to Open and Earn APY - $500
* Annual Percentage Yield. Rates are accurate as of date stated above and are subject to change. Please call the Credit Union at 214-947-1365 to obtain most current rate information.
Dividend rates for Certificates are fixed from purchase date until maturity. Dividend penalty will be imposed for early withdrawal.
Your savings are federally insured to $250,000 and backed by the full faith and credit of the United States Government - NCUA (National Credit Union Administration), a U.S. Government Agency.
Loan Rates - Effective Date 12/01/2011
| Loan | Term |
APR* as Low as:
|
| New Vehicles 2010& Newer Models |
0 - 24 Months |
2.99% |
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|
25 - 36 Months |
3.15% |
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37 - 48 Months |
3.25% |
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49 - 60 Months |
3.50% |
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61 - 72 Months |
3.75% |
| Over $35,000 | 73-84 Months |
4.00% |
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Used Vehicles |
0 - 24 Months |
3.25% |
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25 - 36 Months |
3.40% |
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37 - 48 Months |
3.50% |
49 - 60 Months |
3.75% |
|
61 - 72 Months |
4.00% |
|
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||
|
New Boats, Motorcycles, RVs |
0 - 24 Months |
3.99% |
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25 - 36 Months |
4.15% |
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37 - 48 Months |
4.25% |
49 - 60 Months |
4.50% |
|
61 - 72 Months |
4.75% |
|
| Over $35,000 | 73 - 84 Months |
5.00% |
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||
|
Used Boats, Motorcycles, RVs |
0 - 24 Months |
4.25% |
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25 - 36 Months |
4.40% |
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37 - 48 Months |
4.50% |
49 - 60 Months |
4.75% |
|
61 - 72 Months |
5.00% |
|
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||
Personal |
12 Months |
9.00% |
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24 Months |
9.25% |
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36 Months |
9.75% |
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48 Months |
10.00% |
| CU QuikCash | 1-6 Months |
27.50% |
Share Secured |
0 - 60 Months |
3.00% |
Certificate Secured |
Up to Term of CD |
3% over CD rate |
* Annual Percentage Rate. Rates are determined by the overall credit worthiness of each applicant.
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Please call 214-947-1365 to obtain most current rates.
