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Current Rates
Fee Schedule | Calculators | Applications
| SHARE/SHARE DRAFT SAVINGS RATES |
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|
| Type of Account |
APR* |
APY* |
| Share Savings and Sub-shares Dividend Rate |
|
|
|
(Balances equal to or in excess of $100.00)
|
1.00% |
1.01% |
| IRA and Coverdell ESA Shares - NEW!! |
|
|
| (Balances equal to or in excess of $100.00) |
1.50% |
1.51% |
Money Market Share Account Tier Rates
(Minimum of $2,500.00 Deposit) |
|
|
| $2,500.00 to $10,000.00 |
1.05% |
1.06% |
| $10,000.01 to $25,000.00 |
1.15% |
1.16% |
| $25,000.01 to $50,000.00 |
1.50% |
1.51% |
| $50,000.01 TO $100,000.00 |
1.70% |
1.71% |
| OVER $100,000.00 |
1.90%
|
1.92% |
|
Share Certificates of Deposit (Minimum of $1000 Deposit)
|
|
|
| 6 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.17% |
1.18% |
| $10,000.00 to $24,999.99 |
1.22% |
1.23% |
| $25,000.00 to $49,999.99 |
1.27% |
1.28% |
| $50,000.00 to $99,999.99 |
1.27% |
1.28% |
| $100,000.00 and over |
1.32% |
1.33% |
| 12 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.59% |
1.60% |
| $10,000.00 to $24,999.99 |
1.69% |
1.70% |
| $25,000.00 to $49,999.99 |
1.69% |
1.70% |
| $50,000.00 to $99,999.99 |
1.69% |
1.70% |
| $100,000.00 and over |
1.78% |
1.80% |
| 24 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.19% |
2.21% |
| $10,000.00 to $24,999.99 |
2.24% |
2.26% |
| $25,000.00 to $49,999.99 |
2.29% |
2.31% |
| $50,000.00 to $99,999.99 |
2.33% |
2.36% |
| $100,000.00 and over |
2.33% |
2.36% |
| 36 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.42% |
2.45% |
| $10,000.00 to $24,999.99 |
2.46% |
2.49% |
| $25,000.00 to $49,999.99 |
2.46% |
2.49% |
| $50,000.00 to $99,999.99 |
2.51% |
2.54% |
| $100,000.00 and over |
2.51% |
2.54% |
| 48 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
2.76% |
2.80% |
| $10,000.00 to $24,999.99 |
2.80% |
2.84% |
| $25,000.00 to $49,999.99 |
2.80%
|
2.84% |
| $50,000.00 to $99,999.99 |
2.80% |
2.84% |
| $100,000.00 and over |
2.80% |
2.84% |
| 60 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
3.06% |
3.10% |
| $10,000.00 to $24,999.99 |
3.11% |
3.16% |
| $25,000.00 to $49,999.99 |
3.11% |
3.16% |
| $50,000.00 to $99,999.99 |
3.11% |
3.16% |
| $100,000.00 and over |
3.21% |
3.26%
|
|
IRA and ESA Certificates of Deposit - NEW!!!
(Minimum of $1000 Deposit)
|
|
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|
1 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.59% |
1.60% |
|
$10,000.00 to $24,999.99
|
1.69% |
1.70% |
|
$25,000.00 to $49,999.99
|
1.69% |
1.70% |
|
$50,000.00 to $99,999.99
|
1.69% |
1.70% |
|
$100,000.00 and over
|
1.78% |
1.80%
|
|
2 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.19%
|
2.21% |
|
$10,000.00 to $24,999.99
|
2.24% |
2.26% |
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$25,000.00 to $49,999.99
|
2.29% |
2.31% |
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$50,000.00 to $99,999.99
|
2.33% |
2.36% |
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$100,000.00 and over
|
2.33% |
2.36% |
|
3 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.42% |
2.45% |
|
$10,000.00 to $24,999.99
|
2.46% |
2.49% |
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$25,000.00 to $49,999.99
|
2.46% |
2.49% |
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$50,000.00 to $99,999.99
|
2.51% |
2.54% |
|
$100,000.00 and over
|
2.51% |
2.54% |
|
4 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
2.76% |
2.80% |
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$10,000.00 to $24,999.99
|
2.80% |
2.84% |
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$25,000.00 to $49,999.99
|
2.80% |
2.84% |
|
$50,000.00 to $99,999.99
|
2.80% |
2.84% |
|
$100,000.00 and over
|
2.80% |
2.84% |
|
5 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
3.06% |
3.10% |
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$10,000.00 to $24,999.99
|
3.11% |
3.16% |
|
$25,000.00 to $49,999.99
|
3.11% |
3.16% |
|
$50,000.00 to $99,999.99
|
3.11% |
3.16% |
|
$100,000.00 and over
|
3.21% |
3.26% |
|
Share Draft (Checking) Tier Rates
|
|
|
|
Average Daily Balance
|
|
|
|
0 to $999.99
|
0.00% |
0.00% |
|
$1,000.00 to $9,999.99
|
0.50% |
0.50% |
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$10,000.00 to $49,999.99
|
0.80% |
0.80% |
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Over $50,000.00
|
0.90% |
0.90% |
|
Rates are effective 12/02/2009. 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
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LOAN RATES
|
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|
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|
Type of Collateral
|
Maximum Term
|
Rate (APR*)
|
| New Vehicles 2010/2009/2008/2007 |
36
|
4.99%
|
| |
48
|
4.99%
|
| |
60
|
4.99%
|
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|
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| Vehicle Loans Over $20,000 2009/2008/2007 |
72
|
5.99%
|
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| All titled collateral are Vehicle Loans |
|
|
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| Used Vehicles 2006/2005/2004 |
24
|
5.99%
|
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36
|
5.99%
|
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48
|
5.99%
|
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60
|
5.99%
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| Used Vehicles 2003/2002 |
36
|
6.29%
|
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48
|
7.29%
|
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|
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| Used Vehicles 2001 and Older |
36
|
8.49%
|
| |
48
|
8.49%
|
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| 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%
|
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|
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| Home Equity Plus (Open End) (For New Lines of Credit Effective thru 04-01-2010) |
180
|
5.00%
|
| |
|
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| Home Equity (Closed End) |
Up to 60
|
5.99%
|
| |
72
|
6.45%
|
| |
84
|
6.75%
|
| |
120
|
7.75%
|
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|
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| First Mortgage Loans (Up to 80% Loan to Value) |
180
|
4.99%
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|
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| MasterCard |
|
10.90%
|
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Loan Rates are Effective as of 12-02-2009. 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
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| Calculators | Applications | |
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