Loan Rates
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| Loan Type | Rate Formula | APR as of 5/1/08 |
|---|---|---|
| New Auto [100% of Purchase Price & Sales Tax] Up to 72 Months |
5.90% | 5.90% |
| Used Auto [100% of Purchase Price & Sales Tax or NADA Retail Value which is lower] Up to 60 Months |
6.90% | 6.90% |
| Recreational Vehicle | 6.50% | 6.50% |
| New Motorcycle 100% of Purchase Price plus sales tax and filing fees |
7.25% | 7.25% |
| Used
Motorcycle 100% of Purchase Price plus sales tax and filing fees |
7.75% | 7.75% |
| Personal Loan Up to $20,000 |
9.00% | 9.00% |
| Holiday Loan November thru December |
Prime* Plus 2.50% | 7.50% |
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The loan rates stated above will be 1.00% more for member who do not repay their loan through payroll deduction. |
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| Fixed Share Secured Loan Up to 48 Months |
Prime* Plus 0.00% | 5.00% |
| Variable Share Secured
Loan Up to 120 Months |
Prime* Minus 0.50% | 4.50% |
| Variable Home Equity Loan Prime* Minus 1.50% for first 6 months, Floor 6% / Ceiling 14% |
Adjusted Quarterly | 6.00% |
| Fixed-Rate/Closed-End Home Equity | 6.50% | 6.50% |
| VISA Credit Card | 8.25% | 8.25% |
| First Mortgage | Call Bonny at 837-2007 / CUC Mortgage | |
Dividend Rates
You can earn a dividend on accounts that maintain a balance of $500. Dividend amounts are calculated on your average daily balance for the quarter. The dividend rates will be declared at the end of the quarter, and posted on the last day of the quarter.
| Account Type | Percentage Rate | Annual Yield (APY) |
|---|---|---|
| $500 to $1,999.99 | 0.30% | 0.30% |
| $2,000 to $4,999.99 | 0.50% | 0.50% |
| $5,000 to $9,999.99 | 1.00% | 1.00% |
| $10,000 to $19,999.99 | 1.75% | 1.76% |
| $20,000 to $49,999.99 | 3.00% | 3.03% |
| $50,000 to $99,999.99 | 3.00% | 3.03% |
| $100,000 or More | 3.25% | 3.29% |
| Individual Retirement | 2.50% | 2.52% |
| Holiday Club 0.75% | 1.00% | 1.00% |
| Share Draft ($500 or more) | 0.30% | 0.30% |
Dividends for the first quarter of 2008
