Current Rates
Fee Schedule | Calculators | Loan Application
| 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)
|
.40% |
0.40% |
| IRA and Coverdell ESA Shares |
|
|
| (Balances equal to or in excess of $100.00) |
0.80% |
0.80% |
Money Market Share Account Tier Rates
(Minimum of $2,500.00 Deposit) |
|
|
| $2,500.00 to $10,000.00 |
0.45% |
0.45% |
| $10,000.01 to $25,000.00 |
0.45% |
0.45% |
| $25,000.01 to $50,000.00 |
0.50% |
0.50% |
| $50,000.01 TO $100,000.00 |
0.60% |
0.60% |
| OVER $100,000.00 |
0.75%
|
0.75% |
|
Share Certificates of Deposit (Minimum of $1000 Deposit)
|
|
|
| 6 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
0.50% |
0.50% |
| $10,000.00 to $24,999.99 |
0.60% |
0.60% |
| $25,000.00 to $49,999.99 |
0.60% |
0.60% |
| $50,000.00 to $99,999.99 |
0.60% |
0.60% |
| $100,000.00 and over |
0.65% |
0.65%
|
| 12 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
0.65% |
0.65% |
| $10,000.00 to $24,999.99 |
0.75% |
0.75% |
| $25,000.00 to $49,999.99 |
0.75% |
0.75% |
| $50,000.00 to $99,999.99 |
0.75% |
0.75% |
| $100,000.00 and over |
0.80% |
0.80% |
| 24 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.00% |
1.00% |
| $10,000.00 to $24,999.99 |
1.05% |
1.06%
|
| $25,000.00 to $49,999.99 |
1.05% |
1.06% |
| $50,000.00 to $99,999.99 |
1.05% |
1.06% |
| $100,000.00 and over |
1.10% |
1.11%
|
| 36 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 |
1.75% |
1.76% |
| 48 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.75% |
1.76% |
| $10,000.00 to $24,999.99 |
1.85% |
1.87% |
| $25,000.00 to $49,999.99 |
1.85%
|
1.87% |
| $50,000.00 to $99,999.99 |
1.85% |
1.87% |
| $100,000.00 and over |
1.90% |
1.92% |
| 60 Month Certificate |
|
|
| $1000.00 to $9,999.99 |
1.90% |
1.92% |
| $10,000.00 to $24,999.99 |
1.95% |
1.97% |
| $25,000.00 to $49,999.99 |
1.95% |
1.97% |
| $50,000.00 to $99,999.99 |
1.95% |
1.97% |
| $100,000.00 and over |
2.00% |
2.02%
|
|
IRA and ESA Certificates of Deposit -(Minimum of $1000 Deposit)
|
|
|
|
1 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
0.65% |
0.65% |
|
$10,000.00 to $24,999.99
|
0.75% |
0.75% |
|
$25,000.00 to $49,999.99
|
0.75% |
0.75% |
|
$50,000.00 to $99,999.99
|
0.75% |
0.75% |
|
$100,000.00 and over
|
0.80% |
0.80%
|
|
2 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.00%
|
1.00% |
|
$10,000.00 to $24,999.99
|
1.05% |
1.06% |
|
$25,000.00 to $49,999.99
|
1.05% |
1.06% |
|
$50,000.00 to $99,999.99
|
1.05% |
1.06% |
|
$100,000.00 and over
|
1.10% |
1.11%
|
|
3 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
|
1.75% |
1.76% |
|
4 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.75% |
1.76% |
|
$10,000.00 to $24,999.99
|
1.85% |
1.87% |
|
$25,000.00 to $49,999.99
|
1.85% |
1.87% |
|
$50,000.00 to $99,999.99
|
1.85% |
1.87% |
|
$100,000.00 and over
|
1.90% |
1.92% |
|
5 Year IRA or ESA Certificate
|
|
|
|
$1,000.00 to $9,999.99
|
1.90% |
1.92% |
|
$10,000.00 to $24,999.99
|
1.95% |
1.97% |
|
$25,000.00 to $49,999.99
|
1.95% |
1.97% |
|
$50,000.00 to $99,999.99
|
1.95% |
1.97% |
|
$100,000.00 and over
|
2.00% |
2.02% |
|
Youth Mini-Certificates (age 17 & under)
|
|
|
|
$250-$1,000 for 12 months
|
0.90% |
0.91% |
|
$250-$1,000 for 24 months
|
1.30% |
1.31%
|
| |
|
|
|
Share Draft (Checking) Tier Rates
|
|
|
|
Average Daily Balance
|
|
|
|
0 to $999.99
|
0.00% |
0.00% |
|
$1,000.00 to $9,999.99
|
0.10% |
0.10% |
|
$10,000.00 to $49,999.99
|
0.25% |
0.25% |
| $50,00000. and greater |
0.35% |
0.35% |
|
Rates are effective 03/01/2013. 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 2012-2014 |
36
|
1.90%
|
| |
48 |
2.29% |
| |
60 |
2.49% |
| |
72 |
3.49% |
| |
|
|
| Used Vehicles 2009-2012 |
36
|
2.49%
|
| |
48
|
2.79%
|
| |
60
|
2.99%
|
| |
72
|
3.99%
|
| |
|
|
| Used Vehicles 2007-2008 |
36
|
3.79%
|
| |
48
|
4.29%
|
| |
60
|
4.99%
|
| |
|
|
| Used Vehicles 2006 and Older |
36
|
6.29%
|
| |
48 |
6.29% |
| |
|
|
|
Personal Loans
|
|
|
| Personal Loans (Fixed Term) |
36
|
10.90%
|
Easy Access Line of Credit (Open End)
|
|
10.90%
|
| Share Secured Loan** |
36 |
rate + 2% |
| Certificate Secured Loan** |
term of certificate |
rate + 2% |
| |
|
|
|
Real Estate Loans
|
|
|
Home Equity Plus Line of Credit (Open End)
|
180
|
5.00%
|
Home Equity (Fixed Term - Up to 90% Loan to Value)
|
Up to 60
|
3.99%
|
| |
61 - 84 |
4.99%
|
| |
85 - 180 |
6.29%
|
| First Mortgage Refinance Loans (Up to 80% Loan to Value) |
180
|
call for rates
|
First Mortgage Purchase Loans
|
360 |
call |
| |
|
|
|
Credit Cards
|
|
|
| MasterCard |
|
10.90%
|
|
Loan Rates are Effective as of 04/25/2013. 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 | Loan Application | |
