Current Rates
Fee Schedule | Calculators | Applications
| SHARE/SHARE DRAFT SAVINGS RATES |
| |
|
|
| Type of Account |
APR* |
APY* |
| Share Savings and Sub-shares Dividend Rate |
|
|
|
(Balances equal to or in excess of $100.00)
|
0.75% |
0.75% |
| IRA and Coverdell ESA Shares |
|
|
| (Balances equal to or in excess of $100.00) |
1.25% |
1.26% |
Money Market Share Account Tier Rates
(Minimum of $2,500.00 Deposit) |
|
|
| $2,500.00 to $10,000.00 |
0.80% |
0.80% |
| $10,000.01 to $25,000.00 |
0.80% |
0.80% |
| $25,000.01 to $50,000.00 |
0.85% |
0.85% |
| $50,000.01 TO $100,000.00 |
0.95% |
0.95% |
| OVER $100,000.00 |
1.10%
|
1.11% |
|
Share Certificates of Deposit (Minimum of $1000 Deposit)
|
|
|
| 6 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
0.80% |
0.80% |
| $10,000.00 to $24,999.99 |
0.90% |
0.90% |
| $25,000.00 to $49,999.99 |
0.90% |
0.90% |
| $50,000.00 to $99,999.99 |
0.90% |
0.90% |
| $100,000.00 and over |
0.95% |
0.95%
|
| 12 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.00% |
1.01% |
| $10,000.00 to $24,999.99 |
1.10% |
1.11% |
| $25,000.00 to $49,999.99 |
1.10% |
1.11% |
| $50,000.00 to $99,999.99 |
1.10% |
1.11% |
| $100,000.00 and over |
1.15% |
1.16% |
| 24 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.60% |
1.61% |
| $10,000.00 to $24,999.99 |
1.65% |
1.66% |
| $25,000.00 to $49,999.99 |
1.65% |
1.66% |
| $50,000.00 to $99,999.99 |
1.65% |
1.66% |
| $100,000.00 and over |
1.70% |
1.71%
|
| 36 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.05% |
2.07% |
| $10,000.00 to $24,999.99 |
2.15% |
2.17% |
| $25,000.00 to $49,999.99 |
2.15% |
2.17% |
| $50,000.00 to $99,999.99 |
2.15% |
2.17% |
| $100,000.00 and over |
2.20% |
2.22% |
| 48 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.25% |
2.27% |
| $10,000.00 to $24,999.99 |
2.35% |
2.38% |
| $25,000.00 to $49,999.99 |
2.35%
|
2.38% |
| $50,000.00 to $99,999.99 |
2.35% |
2.38% |
| $100,000.00 and over |
2.35% |
2.38% |
| 60 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.40% |
2.43% |
| $10,000.00 to $24,999.99 |
2.45% |
2.48% |
| $25,000.00 to $49,999.99 |
2.45% |
2.48% |
| $50,000.00 to $99,999.99 |
2.45% |
2.48% |
| $100,000.00 and over |
2.50% |
2.53%
|
|
IRA and ESA Certificates of Deposit -(Minimum of $1000 Deposit)
|
|
|
|
1 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.00% |
1.01% |
|
$10,000.00 to $24,999.99
|
1.10% |
1.11% |
|
$25,000.00 to $49,999.99
|
1.10% |
1.11% |
|
$50,000.00 to $99,999.99
|
1.10% |
1.11% |
|
$100,000.00 and over
|
1.15% |
1.16%
|
|
2 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.60%
|
1.61% |
|
$10,000.00 to $24,999.99
|
1.65% |
1.66% |
|
$25,000.00 to $49,999.99
|
1.65% |
1.66% |
|
$50,000.00 to $99,999.99
|
1.65% |
1.66% |
|
$100,000.00 and over
|
1.70% |
1.71%
|
|
3 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.05% |
2.07% |
|
$10,000.00 to $24,999.99
|
2.15% |
2.17% |
|
$25,000.00 to $49,999.99
|
2.15% |
2.17% |
|
$50,000.00 to $99,999.99
|
2.15% |
2.17% |
|
$100,000.00 and over
|
2.20% |
2.22% |
|
4 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.25% |
2.27% |
|
$10,000.00 to $24,999.99
|
2.35% |
2.38% |
|
$25,000.00 to $49,999.99
|
2.35% |
2.38% |
|
$50,000.00 to $99,999.99
|
2.35% |
2.38% |
|
$100,000.00 and over
|
2.35% |
2.38% |
|
5 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.40% |
2.43% |
|
$10,000.00 to $24,999.99
|
2.45% |
2.48% |
|
$25,000.00 to $49,999.99
|
2.45% |
2.48% |
|
$50,000.00 to $99,999.99
|
2.45% |
2.48% |
|
$100,000.00 and over
|
2.50% |
2.53% |
|
Youth Mini-Certificates (age 17 & under)
|
|
|
|
$250-$1,000 for 12 months
|
1.00% |
1.01% |
|
$250-$1,000 for 24 months
|
1.40% |
1.41% |
| |
|
|
|
Share Draft (Checking) Tier Rates
|
|
|
|
Average Daily Balance
|
|
|
|
0 to $999.99
|
0.00% |
0.00% |
|
$1,000.00 to $9,999.99
|
0.25% |
0.25% |
|
$10,000.00 to $49,999.99
|
0.55% |
0.55% |
|
Over $50,000.00
|
0.65% |
0.65% |
|
Rates are effective 01/01/2012. Rates are subject to change without notice, Contact the Credit Union at 515-243-2677 for current rates, if applicable.
*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
|
|
LOAN RATES
|
| |
|
|
|
Type of Collateral
|
Maximum Term
|
Rate (APR*)
|
|
Vehicle Loans (All titled collateral are Vehicle Loans)
|
|
|
| New Vehicles 2012/2011 |
60
|
2.99%
|
| |
|
|
| Used Vehicles 2011/2010/2009/2008 |
36
|
3.29%
|
| |
48
|
3.29%
|
| |
60
|
3.29%
|
| |
72
|
4.99%
|
| |
|
|
| Used Vehicles 2007/2006 |
24
|
4.99%
|
| |
36
|
4.99%
|
| |
48
|
4.99%
|
| |
60
|
4.99%
|
| |
|
|
| Used Vehicles 2005 and Older |
36
|
6.29%
|
| |
48
|
7.29%
|
| |
|
|
|
Personal Loans
|
|
|
| Share Secured Loans ($1000 minimum) |
36
|
rate + 2%**
|
| Certificate Secured Loans |
term of certificate |
rate + 2%
|
| Unsecured Loans (Closed End) |
36
|
10.90%
|
| Unsecured Loans (Open End) Easy Access Line |
|
10.90%
|
| |
|
|
|
Real Estate Loans
|
|
|
| Home Equity Plus (Open End) (For New Lines of Credit Effective thru 04-01-2010) |
180
|
5.00%
|
| Home Equity (Closed End) |
Up to 60
|
4.49%
|
| |
72
|
5.45%
|
| |
84
|
6.75%
|
| |
120
|
7.75%
|
| |
|
|
| First Mortgage Loans (Up to 80% Loan to Value) |
120
|
4.49%
|
| |
180
|
4.99%
|
| |
|
|
|
Credit Cards
|
|
|
| MasterCard |
|
10.90%
|
| |
|
|
|
Loan Rates are Effective as of 11/01/2011. Rates are subject to change without notice, Contact the Credit Union at 515-243-2677 for current rates, if applicable. **Minimum APR of 4.00%
*APR = Annual Percentage Rate
|
| Calculators | Applications | |
