|
| |
Be sure to check our
savings rates, too!
Loan rate information (current as of
06/30/2008 10:14 PM)
*Our variable interest rate will change if the 3 Month
Treasury Bill rate from the last week of the previous quarter (index) changes.
We will add a margin to the index value. The rate will change quarterly on
the first of Jan., April, July and Oct. The rate will never be higher than 18%
or the maximum amount allowed by law, whichever is less. Any interest rate
increase will result in more payments of the same amount.
Variable Rates
- Now available! Call CFCU for more information. Variable loans are
pegged to the 3 month T-bill from the last week of each quarter. The rate was
1.88% as of the last week of June.
Relationship Discount
- If a member has TWO out of the four following services, they receive 1/4% off
the fixed loan rate for auto, computer and home/office loan.
Checking
Visa Home Equity
Certificates
| Loan Type |
Term |
Discount |
Fixed Rate |
Variable
Rate |
Points |
|
Auto - 2007-2008 |
24 - 36 mo. |
5.00% |
5.25% |
4.082% |
4 |
| |
48- 60 mo. |
5.25% |
5.50% |
4.082% |
4 |
| |
72 mo. |
6.50% |
6.75% |
6.082% |
6 |
| |
84 mo. |
6.75% |
7.00% |
6.082% |
6 |
|
2007-2006 |
|
5.25% |
5.50% |
4.082% |
4 |
|
2004-2005 |
|
5.50% |
5.75% |
4.082% |
4 |
|
2003 |
|
5.75% |
6.00% |
5.082% |
5 |
|
Classic Car |
60 mo. |
6.25% |
6.50% |
6.082% |
6 |
|
Cars over 5 years old |
Add 1.50% to the rate per year |
| |
|
|
|
|
|
|
New Recreation Vehicles
(i.e. boats, snowmobiles,
motorcycles, tractors)
|
36 mo. |
|
6.25% |
5.082% |
5 |
| 48-60 mo. |
|
6.50% |
5.082% |
5 |
| 61-96 mo. |
|
7.00% |
6.082% |
6 |
| 97-144 mo. |
|
7.50% |
7.082% |
7 |
|
|
|
|
|
|
|
|
|
|
|
|
Used Recreation Vehicles |
36 mo. |
|
6.25% |
5.082% |
5 |
| |
48-60 mo. |
|
6.50% |
5.082% |
5 |
| |
61-72 mo. |
|
7.25% |
6.082% |
6 |
| |
73-120 mo. |
|
7.75% |
7.082% |
7 |
|
Elite Express Line PMT
$2.50 per $100 |
|
11.25% |
11.50% |
|
Minimum $5,000 line of
credit/max $25,000 |
|
|
|
|
|
|
|
Revolving Credit
PMT $3 per $100 |
|
|
14.9% |
|
Minimum $500 line of credit |
|
|
|
|
|
|
|
Overdraft Protection
PMT $4 per $100 |
|
|
14.9% |
|
Minimum $100
maximum $5,000 |
|
|
|
|
|
|
|
Business Equipment |
new - 60
months |
7.00% |
7.25% |
6.082% |
6 |
| |
new - 84
months |
7.50% |
7.75% |
7.082% |
7 |
| |
used |
8.00% |
8.25% |
7.082% |
7 |
| |
|
|
|
|
|
|
Computer |
36 mo. |
8.00% |
8.25% |
|
|
| |
|
|
|
|
|
|
Closed-end Unsecured Loan |
36 mo. |
11.65% |
11.90% |
|
|
| |
48 mo. |
12.65% |
12.90% |
|
|
| |
|
|
|
|
|
|
Loan Special |
$2,000 for 12
months |
6.25% |
6.50% |
|
|
| |
$4,000 for 24
months |
7.25% |
7.50% |
|
|
| |
$6,000 for 36
months |
8.25% |
8.50% |
|
|
| |
|
|
|
|
|
|
Share Pledge |
2 year |
|
4.25% |
4.082% |
4 |
| |
3 year |
|
4.50% |
4.082% |
4 |
| |
4 year |
|
5.00% |
5.082% |
4 |
| |
5 year |
|
5.25% |
5.082% |
5 |
| |
6-12 years |
|
N/A |
6.082% |
6 |
|
|
|
Home Equity |
variable, 1/2% below
prime
Prime Rate 5.25% changed 3/18/2008 |
Mortgages - call the Credit Union
Mortgage Center at 1-800-562-6865 or visit their web site at
www.creditunionmortgagecenter.com
Debit Card activation - (800) 466-0040
Debit Card lost or stolen - (800) 754-4128
Fee Schedule
| Certified Check |
$4.00 |
|
| Wire Charge |
7.50 |
|
| Foreign Wire Charge |
25.00 |
|
| Stop Payment |
10.00 |
|
| Corporate Draft |
2.00 |
|
| Check Copy |
2.50 |
|
| Overdraft Fee |
15.00 |
|
| Statement Copy |
1.50/pg |
|
|
