|
Rates
Effective June 20, 2011
All Rates Subject to
Change
Members who participate in automatic payment plans are eligible
for a 0.50% discount on personal and auto loans!
|
TYPE OF LOAN |
APR |
|
Share
Secured |
3.10% |
|
Signature to
$7,500 |
13.50% |
|
Personal
Line of Credit to $15,000 |
11.25% |
|
Holiday/Vacation to $3,000 |
4.99% |
|
Debt Consolidation Loan |
12.00% |
|
Overdraft
Protection |
14.50% |
|
|
|
|
Student
Loans |
|
Rates
and Terms vary,
contact credit union for details. |
|
|
|
|
New Autos |
Previous
Rate |
New LOWER
Rate |
|
20% Down |
3.99% |
2.99% |
|
10% Down |
4.99% |
3.99% |
|
100% |
5.99% |
4.99% |
|
120% |
8.99% |
6.99% |
|
Terms up to 84 months
based on amount borrowed; Insurance required; VSI Fee
$30.
|
|
Used Auto
Loans
<5 Yrs |
Previous
Rate |
New LOWER
Rate |
|
20% Down |
4.99% |
No Change |
|
10% Down |
5.99% |
No Change |
|
100% |
7.99% |
6.99% |
|
120% |
9.99% |
7.99% |
|
Terms up to 72 months
based on amount borrowed; Insurance required; VSI Fee
$30. |
|
Vehicle
Loans - Older Models |
|
up to 80%
financing |
36 mos 8.99% |
|
Unless
otherwise stated, terms up to 60 mos. for loans under
$20K, and 72 mos. for loans over $20K . Full insurance
coverage required. VSI fee $30.00 per auto loan. |
|
|
|
|
MassSave
HEAT Loans |
|
Rates
and Terms vary depending on loan type chosen,
contact credit union for details. |
|
|
|
|
Home Equity
Lines of Credit |
|
HELOC^ |
4.00% |
|
Blended
HELOC^^ |
3.50% |
|
|
|
Mortgage/Home Equity Closed End |
|
SPECIAL-
Fixed Rate Mortgage, 10 Yr. Term |
Please Contact Credit
Union for Market Rates |
|
SPECIAL-
Fixed Rate Mortgage, 15 Yr. Term |
|
SPECIAL-
Fixed Rate Mortgage, 20 Yr. Term |
|
SPECIAL-
Fixed Rate Mortgage, 30 Yr. Term |
Max. Loan
$200K, Combined LTV up to 80%. Appraisal, recording and
legal fees paid by borrower unless specified, rates are
variable and adjust monthly; terms up to 15 years.
^ Prime Rate - 1%, Floor Rate 5.00%, Cap. 15%
^^Fixed rate 7 yrs, Prime for remaining term adjusted
monthly on the 1st Caps 5/15
|
TYPE |
APR |
YIELD |
|
Regular
Shares |
0.10% |
0.10% |
|
Special
Purpose |
0.10% |
0.10% |
|
Super
Saver Club |
0.50% |
0.50% |
|
IRA/Coverdell |
1.50% |
1.50% |
|
Compounded Quarterly |
|
|
|
|
|
|
|
Money
Market Accounts |
|
$2500 -
$10,000 |
0.25% |
0.25% |
|
$10,001 -
$25,000 |
0.25% |
0.25% |
|
$25,001 -
$50,000 |
0.25% |
0.25% |
|
$50,001 + |
0.25% |
0.25% |
|
Compounded Monthly |
|
|
|
|
|
|
|
Term
Certificates |
|
Six
Months |
0.25% |
0.25% |
|
Nine
Months |
0.30% |
0.30% |
|
Twelve
Months |
0.40% |
0.40% |
|
Thirty
Months |
0.50% |
0.50% |
|
Sixty
Months |
1.50% |
1.51% |
|
Minimum
Deposit of $1,000.00 required. Interest compounded
monthly on all certificates with terms greater than six
months. |
|
|
|
|
|
Checking |
|
Checking
Accounts earn no interest, and have a minimum balance
requirement of $0.01. |
|
|
|
|
Dividends are earned on the average daily balance
for the
dividend period.
|
