|
Rates
Effective April 1, 2013
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 |
12.99% |
|
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 |
|
Sallie
Mae guidelines and rates apply. |
|
|
|
|
Vehicle
Loans 2012 and newer |
APR* |
|
20% Down |
2.49% |
|
10% Down |
3.49% |
|
100% |
4.49% |
|
120% |
6.49% |
|
Terms up to 84 months
based on amount borrowed; Insurance required; VSI Fee
$30.
|
|
Used
Vehicle Loans - 2009-2011 |
APR* |
|
20% Down |
4.49% |
|
10% Down |
5.49% |
|
100% |
6.49% |
|
120% |
7.49% |
|
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^^ |
3.25% |
|
|
|
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
* APR =
Annual Percentage Rate
|
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.
|
