Rates Effective November 3, 2014

 

 LOAN RATES

 

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 $15,000

as low as 9.49%

Personal Line of Credit to $15,000

9.49%

Holiday/Vacation to $3,000

3.49%

Debt Consolidation Loan to $7,500

8.49%

Overdraft Protection

14.49%

 

 

Student Loans

Sallie Mae guidelines and rates apply.

 

 

Vehicle Loans 2014 and newer

APR*

up to 84 months

as low as 2.49%

up to 72 months

2.49%

up to 60 months

1.99%

up to 48 months

1.75%

Full insurance coverage required; VSI Fee $50.

 

Used Vehicle Loans - 2011-2013

APR*

up to 72 months

2.99%

up to 60 months

2.49%

up to 48 months

2.25%

Full insurance coverage required; VSI Fee $50.

 

Vehicle Loans - Older Models

Inquire for current rates

 

Full insurance coverage required; VSI Fee $50.

 

 

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^^

3.25%

 

Mortgage/Home Equity Closed End

SPECIAL- Fixed Rate Mortgage, 10 Yr. Term

Contact Credit Union

for Most Current

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 $250K, Combined LTV up to 70%. $200K for 80% LTV. 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 4/10

* APR = Annual Percentage Rate

 

 

 SHARE RATES

 

TYPE

APY**

YIELD

Regular Shares

0.05%

0.05%

Special Purpose

0.05%

0.05%

Super Saver Club

0.45%

0.45%

IRA/Coverdell

1.00%

1.01%

Compounded Quarterly

 

 

 

 

 

Money Market Accounts

$2500 - $10,000

0.10%

0.10%

$10,001 - $25,000

0.10%

0.10%

$25,001 - $50,000

0.10%

0.10%

$50,001 +

0.10%

0.10%

Compounded Monthly

 

 

 

 

 

Term Certificates

Six Months

0.15%

0.15%

Nine Months

0.20%

0.20%

Twelve Months

0.25%

0.25%

Thirty Months

0.35%

0.35%

Sixty Months

1.00%

1.01%

Minimum Deposit of $1,000.00 required. Interest compounded monthly on all certificates with terms greater than six months.

Early withdrawal penalties may be imposed. The Annual Percentage Yield assumes principal and interest would remain on deposit for the full term. A withdrawal and/or fees may reduce earnings.

 

 

 

Checking

Checking Accounts earn no interest, and have a minimum balance requirement of $0.01.

 

** APY = Annual Percentage Yield

 

 

 

Dividends are earned on the average daily balance

for the dividend period.