Rates |
|
Rates are current as of July 1, 2010.
Programs, rates, terms and conditions are subject to change without notice. Please contact the Credit Union for current rates. |
| |
Loan Rates |
Automobile and RV Loan Rates |
|
Term |
Annual Percentage Rate |
New
& Used Automobile
2006 - 2010 |
Up to 48 months |
3.39%* |
60 months |
3.39%* |
66 months |
4.29% |
72 months |
4.59% |
Used Automobile |
|
2002-2005 |
Up to 36 Months |
7.29% |
2001 and older |
Up to 24 Months |
9.29% |
New/Used Motorcycles |
Up to 48 Months |
8.09% |
New/Used Boats |
|
Less than $20,000 |
Up to 72 Months |
6.45% |
More than $20,000 |
Up to 120 Months |
6.95% |
New/Used RV's |
|
Less than $20,000 |
Up to 72 Months |
6.45% |
More than $20,000 |
Up 120 Months |
6.95% |
|
*The Annual Percentage Rate (APR) reflects a discount of up to 0.30%. To receive the discount, you must set your payments up for automatic payment, receive e-statements and purchase GAP insurance through the Credit Union. If you discontinue any of the above requirements, your APR may be increased to the non-discounted rate. The APR increase will result in more payments of the same amount until what you owe has been repaid. |
Personal Loan Rates |
|
Term |
Annual Percentage Rate |
Signature Loans
|
Up to 12 Months |
9.99% |
24 Months |
12.75% |
36 Months |
13.75% |
Share Secured (100%) |
Up to 60 Months |
3.50% |
Checking Line of Credit Overdraft |
Revolving |
18.00% |
Stretch Pay Loan |
Revolving |
18.00% (+$25 application
fee) |
| Credit Rebuilder Loan |
24 Months
|
13.99%
|
|
| |
Home Improvement/Home Equity Rates |
|
Term |
Annual Percentage Rate |
Home Improvement |
Up to 60 Months |
5.39% |
61 - 180 Months |
6.19% |
Home Equity (Texas only)
|
Up to 60 Months |
5.39% |
61 - 120 Months |
6.19% |
121 - 180 Months |
6.59% |
|
| |
Mastercard |
|
|
Annual Percentage Rate |
Regular |
|
13.90% |
Gold |
|
9.90% |
Secured |
|
13.90% |
|
Loan rates shown depend
on your credit history and term of loan. Not all members
will qualify for the rates shown. Credit subject to
approval. Home
Improvement and Home Equity Loans available for Texas
property only. We do business in accordance with the
Federal Fair Housing Law and the Equal Credit Opportunity
Act. |
| |
Savings, Checking and Term Share Certificate Rates |
Savings Accounts (Savings, Special Savings and Holiday Club Accounts) |
Balances |
Annual Percentage Yield |
Compounding Frequency |
$100-$2,499.99
|
0.20% |
Monthly |
$2,500-$9,999.99
|
0.25% |
Monthly |
|
$10,000-$24,999.99
|
0.30%
|
Monthly
|
$25,000 and over
|
0.40% |
Monthly |
|
| |
Starting
Over Savings Accounts |
Average
Daily Balance |
Annual Percentage Yield |
Compounding Frequency |
Up to $2,000
|
1.21% |
Monthly |
$2,000.01-$2,499.99
|
0.20% |
Monthly |
|
$2,500-$9,999.99
|
0.25%
|
Monthly
|
|
$10,000-$24,999.99
|
0.30%
|
Monthly
|
|
$25,000 and over
|
0.40% |
Monthly |
|
| |
Money Markets |
Balances |
Annual Percentage Yield |
Compounding Frequency |
$2,500-$9,999.99
|
.40% |
Monthly |
$10,000-$24,999.99
|
.50% |
Monthly |
$25,000-$49,999.99
|
.70% |
Monthly |
|
$50,000-$99,999.99
|
.80%
|
Monthly
|
$100,000 and over
|
.90% |
Monthly |
|
| |
IRA Savings Accounts |
Balances |
Annual Percentage Yield |
Compounding Frequency |
$100-$999.99 |
0.25% |
Monthly |
$1,000-$2,499.99 |
0.50% |
Monthly |
$2,500 and over |
0.75% |
Monthly |
|
| |
Checking Accounts (includes Regular Checking & Senior Checking Accounts) |
Balances |
Annual Percentage Yield |
Compounding Frequency |
$500 and over
|
0.10% |
Monthly |
| CHECKING OVERDRAFT
PROTECTION - (loan) |
Line of Credit Overdraft
Protection |
18% APR |
N/A |
|
| |
Term Share Certificates and IRA Certificates |
Term |
Tier 1 APY1 |
Tier 2 APY2 |
Tier 3 APY3 |
3 Month |
.58% |
.63% |
.68% |
6 Month |
.68% |
.73% |
.78% |
12 Month |
1.03% |
1.09% |
1.14% |
18 Month |
1.24% |
1.29% |
1.34% |
24 Month |
1.64% |
1.69% |
1.74% |
36 Month |
1.95% |
2.00% |
2.05% |
48 Month |
2.41% |
2.46% |
2.51% |
60 Month |
2.82% |
2.87% |
2.92% |
1 - $1,000 minimum to open each regular account, $500 to open each youth account
2 - $20,000 minimum to open each regular account
3 - $40,000 minimum to open each regular account
*Substantial penalty may be imposed for early withdrawal |
|