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Member Notice
As of July 21, 2011 the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) Amends the Expedited Funds Availability Act (EFAA) by increasing from $100.00 to $200.00 the amount of deposited funds that credit unions must make available for withdrawal on the next business day.
Loan Special
First Time Borrowers
$5,000 for 60 months @ 4.99%
(terms apply)
OTHER SERVICES OFFERED:
- Certificates of Deposit
- Gift Cards
- Home Banking 24/7
- Utility Payments Accepted
- Money Orders
- Student Loans
- Credit Counseling
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Effective Date: January 1, 2012
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTIFICATION
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Calculator |
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| LOANS |
Term |
Rate |
APR |
| Signature and Co-Signer Loans |
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up to $2,500.00 |
18 Months |
10% - 12% |
10% - 12% |
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$2,501.00 to $5,000.00 |
48 Months |
10% - 12% |
10% - 12% |
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$5,001.00 to $7,500.00 |
60 Months |
10% - 12% |
10% - 12% |
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| Line of Credit |
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up to $7,500.00 |
-- |
7 - 8 - 9% |
7 - 8 - 9% |
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| Fully Share Seceured Loans |
up to 60 Months |
6.00% |
6.00% |
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61 to 72 Months |
6.50% |
6.50% |
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73 to 84 Months |
7.00% |
7.00% |
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85 to 96 Months |
7.50% |
7.50% |
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| VISA® Credit Cards |
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9.90% |
9.90% |
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| Home Equity Loans |
up to 5 Years |
3.99% |
3.99% |
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61 Months to 10 Years |
5.00% |
5.00% |
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121 Months to 15 Years |
5.75% |
5.75% |
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| New Vehicle Loans/Motorcycles |
Qualified |
APR |
Rate |
APR |
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up to 36 Months |
2.99% |
4.49% |
5.49% |
5.49% |
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37 to 48 Months |
3.99% |
5.49% |
6.49% |
6.49% |
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49 to 60 Months |
4.99% |
6.49% |
7.49% |
7.49% |
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61 to 72 Months |
4.99% |
6.49% |
7.49% |
7.49% |
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| Boats, ATV, PWC, Snowmobiles |
add 0.75% on above rates |
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| RV, Pull Behind Trailers |
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Same terms as above |
add 1.50% on above rates |
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| Used Vehicle Loans/Motorcycles |
Qualified |
APR |
Rate |
APR |
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up to 36 Months |
3.99% |
5.49% |
6.49% |
6.49% |
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37 to 48 Months |
4.99% |
6.49% |
7.49% |
7.49% |
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49 to 60 Months |
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2008 or Newer |
5.25% |
6.75% |
7.75% |
7.75% |
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61 to 72 Months |
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2008 or Newer |
5.25% |
6.75% |
7.75% |
7.75% |
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| Boats, ATV, PWC, Snowmobiles |
add 0.75% on above rates |
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| RV, Pull Behind Trailers |
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Same terms as above |
add 1.50% on above rates |
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| Student Loans |
Term |
Rate |
APR |
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$2,000 per year payment not deferred |
30 Months |
8.00% |
8.00% |
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Go to Loan Application
Dividend Rates
Effective Date: January 1, 2012
| SAVINGS |
Dividend Rate |
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Term |
| Regular Shares |
0.25% APY |
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$100.00 and up |
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| Vacation & Christmas Shares |
0.05% APY |
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| Super Savings |
0.45% APY |
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$5,000.00 - $10,000.00 |
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0.55% APY |
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$10,000.01 - $25,000.00 |
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0.65% APY |
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$25,000.01 - $50,000.00 |
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0.75% APY |
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$50,000.01 - $100,000.00 |
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0.95% APY |
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$100,000.01 and up |
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Minimum Opening Deposit of $5,000.00
Interest is credited and compounded quarterly
ONE FREE withdrawal per month
$25.00 fee per withdrawal after ONE withdrawal |
| CERTIFCATES |
Dividend Rate |
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Term |
| 6 Months |
0.50% APY ** |
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6 |
| 12 Months |
0.70% APY ** |
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12 |
| 18 Months |
0.75% APY ** |
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18 |
| 24 Months |
0.95% APY ** |
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** Penalty for early withdrawal will be 90 days of accrued interest.
Debit Card Fee
Starting April 30 2009, a $2.00 fee will be deducted from Checking Accounts Monthly
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Accrual Information:
Dividends are calculated by the Daily Balance method which applies a daily periodic rate to the Principal in the account each day. For all accounts using an average daily balance method, dividends are calculated by applying the rate to the average daily balance. The average daily balance is obtained by adding the balance in the account for each day in the period then dividing that by the number of days in the period.
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