|
| Secured Loan Rates |
| Credit Rating |
A+
|
A
|
B
|
C
|
D
|
|
APR*
|
APR*
|
APR*
|
APR*
|
APR*
|
| 48 Mon |
5.25
|
5.75
|
6.75
|
9.00
|
11.50
|
| 60 Mon |
5.50
|
6.00
|
7.00
|
9.25
|
11.75
|
| 72 Mon |
5.75
|
6.25
|
7.25
|
9.50
|
NA
|
| Unsecured Loan Rates |
| Credit Rating |
A+
|
A
|
B
|
C
|
D
|
|
APR*
|
APR*
|
APR*
|
APR*
|
APR*
|
| 48 Mon |
9.75
|
10.75
|
12.75
|
14.75
|
16.75
|
*APR= Annual Percentage Rate
|
|
| Rate Reduction Program on Secured Loans |
|
10% equity as compared to NADA retail value is .25% reduction on above rates.
|
|
20% equity as compared to NADA retail value is .50% reduction on above rates.
|
|
Fully Secured by Shares - Loan rate 3.00% 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.
|
|
|
|
Overdraft Loan
|
|
Rate
|
APR*
|
|
14.50
|
14.50
|
|
|
| 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*
|
|
5.50
|
0
|
5.50
|
|
| Home Equity |
Fixed (80 % of equity, $25,001 - $50,000, 120 month term) |
|
Rate
|
Points
|
APR*
|
|
6.50
|
0
|
6.50
|
|
| Home Equity |
Fixed (80 % of equity, $50,001 - $75,000, 180 month term) Rate Points APR* |
|
7.50
|
0
|
7.50
|
|
| **Home Equity |
Fixed (80% equity, $75,001 - $100,000, 240 month term) |
|
Rate
|
Points
|
APR*
|
|
8.50
|
0
|
8.50
|
|
| **Home Equity Line of Credit |
Variable (80% equity, $50,000 or less, 180 month term) |
|
Rate
|
Points
|
APR*
|
|
4.50
|
0
|
4.50
|
|
| **Home Equity Line of Credit |
Variable (80% equity, $50,001 to $100,000, 240 month term) |
|
Rate
|
Points
|
APR*
|
|
4.50
|
0
|
4.50
|
|
|
*APR = Annual Percentage Rate
|
|
** 5 year draw period on Line of Credit
|
|
|
| Savings |
|
Minimum Balance
|
Dividend Rate
|
APY*
|
Term
|
| Share |
$500
|
0.75
|
0.75
|
n/a
|
| Club Accounts |
$100
|
0.65
|
0.65
|
n/a
|
| Money Market - Tier 1 |
$500
|
1.00
|
1.00
|
n/a
|
| Money Market - Tier 2 |
$5,000
|
1.24
|
1.25
|
n/a
|
| Money Market - Tier 3 |
$25,000+
|
1.60
|
1.61
|
n/a
|
| IRA |
$100
|
1.00
|
1.00
|
n/a
|
|
*APY = Annual Percentage Yield
|
|
|
| Certificates |
|
|
Minimum Deposit
|
Dividend Rate
|
APY*
|
Term
|
| 6 Month |
$1000
|
1.45
|
1.46
|
6
|
| 12 Month |
$1000
|
1.93
|
1.94
|
12
|
| 24 Month |
$1000
|
2.27
|
2.29
|
24
|
| IRA 12 Month |
$1000
|
1.93
|
1.94
|
12
|
|
*APY = Annual Percentage Yield
|
|
|
|
Rates 
