Rates
SIGNATURE LOANS |
| 24 Months |
-- AS LOW AS -- |
7.99% APR |
| 30 Months |
-- AS LOW AS -- |
8.25% APR |
| 36 Months |
-- AS LOW AS -- |
9.50% APR |
| 48 Months |
-- AS LOW AS -- |
9.99% APR |
| 60 Months |
-- AS LOW AS -- |
10.49% APR |
| New Car Loans |
AS LOW AS 1.99% APR |
| Used Car Loans |
AS LOW AS 3.20% APR |
Share Secured Loans
(Shares frozen in account) |
60 Months 2.00% APR
60-84 Months 3.00% APR |
| Motorcycle, Boat, RV Loans |
NEW AS LOW AS 7.25% APR |
| Certificate Secured Loans |
2.00% spread |
| Home Equity Loans |
See below for rates |
| Visa |
9.25% or 12.75% APR |
*APR = Annual Percentage Rate
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SAVINGS RATES |
| SHARE "01" ACCOUNT |
|
Daily Dividend Rate - Paid Monthly |
|
|
|
RATE |
YIELD |
| $0.00 to |
99.99 |
|
None |
None |
| $100.00 to |
4,999.99 |
|
0.10% |
0.10% |
| $5,000.00 to |
9,999.99 |
|
0.15% |
0.15% |
| $10,000.00 to |
19,999.99 |
|
0.20% |
0.20% |
| $20,000.00 & |
Over |
|
0.25% |
0.25% |
| SHARE DRAFT ACCOUNTS |
|
Daily Dividend Rate - Paid Monthly |
|
|
|
RATE |
YIELD |
| FREE CHECKING 78 |
|
None |
None |
| PRIME CHECKING 75 76 77 |
|
|
|
| $0.00 to |
999.99 |
|
None |
None |
| $1,000.00 & |
Over |
|
0.10% |
0.10% |
| PREMIER CHECKING 79 |
|
|
|
| $0.00 to |
999.99 |
|
None |
None |
| $1,000.00 & |
Over |
|
0.10% |
0.10% |
| HOLIDAY, VACATION & SPECIAL ACCOUNTS |
|
Daily Dividend Rate - Paid Quarterly |
| "08", "09" & "10" |
|
|
RATE |
YIELD |
|
|
|
0.20% |
0.20% |
| INDIVIDUAL RETIREMENT ACCOUNTS - Variable Rates/contact credit union |
| CERTIFICATES - Variable Rates/contact credit union for current rates |
ALL RATES SUBJECT TO CHANGE WITH MARKET CONDITIONS
$250,000.00 MAXIMUM INSURANCE BY NCUA ON ALL DEPOSITS
RATES EFFECTIVE 9-1-2012
Kw word-Credit Union Rates
*APR = Annual Percentage Rate
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MONEY MARKET RATES |
| $ RANGE |
RATE |
APY* |
| $0.00 to $499.99 |
0.00% |
0.00% |
| $500.00 to $2,499.99 |
0.15% |
0.15% |
| $2,500 to $4,999.99 |
0.20% |
0.20% |
| $5,000 to $9,999.99 |
0.25% |
0.25% |
| $10,000 to $24,999.99 |
0.30% |
0.30% |
| $25,000 to $49,999.99 |
0.35% |
0.35% |
| $50,000 to $99,999.99 |
0.40% |
0.40% |
| $100,000 and over |
0.45% |
0.45% |
*APY = Annual Percentage Yield / Rates effective 09/01/2012
3 Free Withdrawal per Calendar Month
3 Additional Withdrawals May Be Taken Each Calendar Month with a $25.00 Fee for Each
$10.00 Minimum Balance Fee Taken on Last Day of Each Month if Balance Falls Below $500.00.
PNG CODE: 02 FOR REG MM, 89 FOR TRAD IRA MM & 99 FOR ROTH IRA MM
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CERTIFICATE RATES |
| INVESTMENT |
|
12 MONTHS |
24 MONTHS |
18 MONTH BUMP-UP |
36 MONTHS |
| $500 to $9,999 |
APR |
0.40% |
0.55% |
0.00% |
0.00% |
| APY |
0.40% |
0.55% |
0.00% |
0.00% |
| $10,000 to $49,999 |
APR |
0.45% |
0.60% |
0.00% |
0.00% |
| APY |
0.45% |
0.60% |
0.00% |
0.00% |
| $50,000 to $99,999 |
APR |
0.50% |
0.65% |
0.00% |
0.00% |
| APY |
0.50% |
0.65% |
0.00% |
0.00% |
| $100,000 & Above |
APR |
0.55% |
0.70% |
0.00% |
0.00% |
| APY |
0.55% |
0.70% |
0.00% |
0.00% |
*APR = Annual Percentage Rate / *APY = Annual Percentage Yield / Certificate Rates Effective 09/01/2012
RATES SUBJECT TO CHANGE WITHOUT NOTICE
$250,000 maximum NCUA insurance on all share accounts
$250,000 maximum NCUA insurance on all IRA accounts
Penalty for early withdrawl - 90 day dividend penalty on Certificates over 1 year
Penalty for early withdrawl - 30 day dividend penalty on Certificates 1
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LOAN RATES |
| Loans |
Rate |
APR* |
Months |
| Home Equity Fixed Rate Loan |
2.99 |
2.99 |
60 |
| Home Equity Fixed Rate Loan |
4.50 |
4.50 |
84 |
| Home Equity Fixed Rate Loan |
4.75 |
4.75 |
120 |
| Home Equity Fixed Rate Loan |
5.99 |
5.99 |
180 |
| Home Equity Line of Credit---over 70% Appraised Value |
4.25 |
4.25 |
n/a |
| Home Equity Line of Credit---under 70% Appraised Value |
3.99 |
3.99 |
n/a |
| Certificate Secured - Variable Rate - 2% above Dividend Rate |
|
0.000 |
n/a |
| Share Secured |
2.00 |
3.500 |
60 |
| Share Secured |
3.00 |
4.500 |
84 |
*APR = Annual Percentage Rate Rates effective 5/14/12
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