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| Secured Loan Rates | | Credit Rating | A+ | A | B | C | D | | | APR* as low as | APR* as low as | APR* as low as | APR* as low as | APR* as low as | | 48 Mon | 4.10 | 4.60 | 6.00 | 8.25 | 10.75 | | 60 Mon | 4.10 | 4.60 | 6.25 | 8.50 | 11.00 | | 72 Mon | 4.35 | 4.85 | 6.50 | 8.75 | NA | | 84 Mon | 4.60 | 5.35 | NA | NA | NA |
| Unsecured Loan Rates | | Credit Rating | A+ | A | B | C | D | | | APR* as low as | APR* as low as | APR* as low as | APR* as low as | APR* as low as | | 48 Mon | 9.95 | 10.95 | 12.95 | 14.95 | 16.95 |
*APR= Annual Percentage Rate |
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| Rate Reduction Program on Secured Loans | Receive up to .50% discount off your new loan rate whwn you have any two of the following products (.25% discount per product; maximum of .50% discount) | Active checking account with direct/payroll deposit (account must be in good standing for the last 30 days) Visa debit card or prepaid MasterCard CCFCU loan in repayment (loan must be in good standing for the last 90 days) Collateral loan with 20% difference between NADA retail and amount financed E-statements
| Fully Secured by Shares - Loan rate 4.00% above share dividend rate for maximum of 60 months. | Credit Scores | A+ = 775 or higher | A = 700-774 | B = 650-699 | C = 600-649 | D = 550-599 | E = 549 or less | Please call for rates on credit scores of 549 or less. |
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Overdraft Loan | Rate | APR* | 14.50 | 14.50 |
Effective August 1, 2010 Overdraft loan line of credit of $500 reflects $35 monthly payment Overdraft loan line of credit of $1,000 reflects $45 monthly payment |
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| First Mortgages | (See a Member Service Representative for details) | Rate | Points | APR* | | | | Home Equity | Fixed (80 % of equity, $10,000 - $25,000 or less, 60 month term) | Rate | Points | APR* | 5.75 | 0 | 5.75 | | | | Home Equity | Fixed (80 % of equity, $25,001 - $50,000, 120 month term) | Rate | Points | APR* | 6.75 | 0 | 6.75 | | | | Home Equity | Fixed (80 % of equity, $50,001 - $75,000, 180 month term) Rate Points APR* | 7.75 | 0 | 7.75 | | | | **Home Equity | Fixed (80% equity, $75,001 - $100,000, 240 month term) | Rate | Points | APR* | 8.75 | 0 | 8.75 | | | | **Home Equity Line of Credit | Variable (80% equity, $10,000 to 50,000, 180 month term) | Rate | Points | APR* | 2.49 | 0 | 2.49 | | | | **Home Equity Line of Credit | Variable (80% equity, $50,001 to $100,000, 240 month term) | Rate | Points | APR* | 2.49 | 0 | 2.49 | | | *APR = Annual Percentage Rate | Home Equity Loan Notes: Effective February 1, 2012 Using the rate of 5.50% your calculated payment on 5 years is $19.10 for every $1,000 financed. Using the rate of 6.50% your calculated payment on 10 years is $11.36 for every $1,000 financed. Using the rate of 7.50% your calculated payment on 15 years is $9.28 for every $1,000 financed. Using the rate of 8.50% your calculated payment on 20 years is $8.68 for every $1,000 financed. Credit restrictions apply. All Rates are subject to change without advance notice. The closing costs for the loan will be New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 3/4% to 1% of the financed amount. Cooper's Cave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off prior to 60 months all closing costs incurred will be added to the balance of the loan. Cooper's Cave Federal Credit Union is not responsible or liable for typographical errors regarding posted rates. Contact your tax advisor for tax deduction purposes.
Home Equity Variable-Rate Line of Credit Loan Notes: Quoted rate is valid for the first six months of the loan. The rate will be adjusted to the regular published rate of 3.99% for the next year. The rate will be adjusted to the prime rate as published in the Wall Street Journal, 30 days prior to the annual interest rate adjustment. The rate adjustment is based on the Prime Rate as published in the Wall Street Journal with a margin of 1.00%. The rate cannot increase or decrease more that 2.0 percentage points in any one year period. The rate cannot fall below the regular published rate and not exceed 12.00%. The closing costs for the loan will be New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 3/4% to 1.0% of the financed amount. Cooper's ave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off prior to 60 months all closing costs incurred willbe added to the balance of the loan. There is a 7 year draw period on Line of Credit. - Credit Restrictions apply
All rates are subject to change without advance notice. Cooper's Cave Federal Credit Union is not responsible for typographical errors regarding posting rates. Contact your tax advisor for tax deduction purposes.
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| Savings | | | Minimum Balance | Dividend Rate | APY* | Term | | Share | $500 | 0.10 | 0.10 | n/a | | Club Accounts | $100 | 0.10 | 0.10 | n/a | | Money Market - Tier 1 | $500-$4,999 | 0.20 | 0.20 | n/a | | Money Market - Tier 2 | $5,000-$24,999 | 0.35 | 0.35 | n/a | | Money Market - Tier 3 | $25,000+ | 0.50 | 0.50 | n/a | | IRA | $100 | 0.20 | 0.20 | n/a | Savings Notes: Effective August 1, 2010 Rates on Average Daily Balance for the Month Annual Percentage Yield (APY*) All Rates are subject to change without advance notice
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| Certificates | | | Early Withdrawal Penalty (Days of Dividend) | Dividend Rate | APY* | | 6 Months | 90 | 0.45 | 0.45 | | 12 Months | 90 | 0.70 | 0.70 | | 24 Months | 120 | 1.00 | 1.00 | | IRA 12 Months | 90 | 0.70 | 0.70 | Certificate Notes: Effective February 1, 2011 Minimum $1,000 certificate deposit Rates on Average Daily Balance for the month Annual Percentage Yield (APY*) assumes that the principal and interest are on deposit for one year at the same rate All rates are subject to change without advance notice
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Rates 
