LOAN RATES
(as of August 1, 2008)
 
| TYPE |
TERM |
ANNUAL PERCENTAGE RATE |
| *** Our "as low as" rate is an estimate based on credit history and a reduction of .50% (automatic payment transfer from a Catholic Parishes active checking account) and represents our lowest rate available for that type of loan. Actual rates may vary and will be determined at application, based on applicant's credit history. *** |
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| Rates are subject to change without notice. |
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| New/Used Vehicle - 2007 thru 2008 |
24 Months |
as low as 4.49% |
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36 Months |
as low as 4.74% |
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48 Months |
as low as 4.99% |
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60 Months |
as low as 5.24% |
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72 Months (min. $25,000) |
as low as 6.24% |
| Used Vehicle - 2002 - 2006 |
24 Months |
as low as 5.00% |
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36 Months |
as low as 5.25% |
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48 Months |
as low as 5.50% |
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60 Months |
as low as 5.75% |
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| Used Vehicles 1998- 2001 |
up to 60 Months |
as low as 7.75% |
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| Classic and Older Vehicles |
60 Months max |
as low as 9.25% |
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| Recreational Vehicles, Boats, Campers, Fifth Wheels |
24 - 60 Months |
as low as 6.25% - 7.00% |
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| Longer terms available based on amount of loan - Contact the Credit Union for details. |
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| Share-Secured Loans |
72 Months max |
as low as S00 Div. Rate + 4.00% |
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| Tuition Loans (Checks payable to the school) |
12 Months max |
as low as 7.25% |
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| VISA |
Platinum |
8.90% |
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Classic |
10.90% |
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| Line of Credit/Overdraft Protection |
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11.75% |
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| Signature Loans (Personal Loans) |
Up to 12 Months |
as low as 7.50% |
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Up to 24 Months |
as low as 9.50% |
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Up to 36 Months |
as low as 10.50% |
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Up to 48 Months |
as low as 11.50% |
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Up to 60 Months |
as low as 12.50% |
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| Home Equity Loans |
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| Low Payments (based on 30 year Amortization) - Balloon Loan |
5 Years |
as low as 5.75% |
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7 Years |
as low as 6.75% |
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10 Years |
as low as 7.75% |
| Home Equity Line of Credit |
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| Low Payment - Minimum as low as $5.00 per $1,000 Borrowed |
10 Year Draw Period with 5 Year Repayment |
as low as 4.75% Variable Rate * |
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| * Based on Prime Rate as published in the Wall Street Journal on the first business day of each month. Actual rate may vary and will be Prime +/- based on credit history. |
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| Mortgages |
1, 3 and 5 year ARMs, 7 year balloon and 10 - 30 year fixed |
1-888-562-6865 |
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SAVINGS RATES
Dividends Paid (April 1, 2008 through June 30, 2008)
| TYPE |
DIVIDEND RATE |
ANNUAL PERCENTAGE YIELD |
| All Shares |
0.50% |
0.50% |
| Club Accounts |
0.50% |
0.50% |
| Children's Account (under 16 years of age) |
|
|
| $0.01 to $1,000.00 |
1.00% |
1.01% |
| $1,000.01 and up |
0.50% |
0.50% |
| Share Draft (Checking) |
0.10% |
0.10% |
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| Individual Retirement Accounts |
1.00% |
1.01% |
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| IRA / Share Certificate Minimum Deposit $500.00 |
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| 6-month Certificate ** |
2.24% |
2.26% |
| 1-year Certificate ** |
3.13% |
3.17% |
| 2-Year Certificate ** |
3.08% |
3.12% |
| 3-Year Certificate ** |
3.44% |
3.49% |
| 4-Year Certificate ** |
3.53% |
3.58% |
| 5-Year Certificate ** |
3.78% |
3.83% |
| ** Share certificate rates are subject to change - Call Credit Union for details |
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| MONEY MARKET |
| $ 0 - $ 2,499 |
0.25% |
0.25% |
| $ 2,500 - $ 9,999 |
0.75% |
0.75% |
| $10,000 - $24,999 |
1.25% |
1.26% |
| $25,000 - $49,999 |
1.75% |
1.76% |
| $50,000 - $74,999 |
2.00% |
2.02% |
| Now through August 31, 2008 |
| $75,000 + |
2.50% |
2.52% |
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SCHEDULE OF FEES
(as of August 1, 2008 )
| General Services: |
|
| Corporate Check |
$1.50 |
| Money Order |
$1.00 |
| American Express Traveler Checks |
$1.00 per $100 |
| American Express - Two Signature and Gift Checks |
$2.00 per $100 |
| Notary Service |
Free |
| Monthly Statement Copy ($0.25 for each additional page) |
$3.00 Per Monthly Statement |
| Print out of History |
$1.00 Per Page |
| U.S. Wire Transfer |
$10.00 |
| Foreign Wire Transfer |
$25.00 |
| Incoming Wire Transfer |
Free |
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| Shares/Share Drafts |
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| Business Account Share Draft |
$5.00 Per Month |
| Stop Payment (including EFT) |
$25.00 |
| Non Sufficient Funds (NSF) |
$25.00 |
| Microfilm Copy |
$2.50 |
| Overdraft Transfer |
$2.00 |
| Manual Transfer |
$2.00 |
| Audio Transfer |
Free |
| Overdrawn Account |
$20.00 |
| Loans |
|
| Application fee |
Free |
| Automatic Transfer for Payment |
Free |
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| ATM/Master Money Cards |
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| First Card (Second if Joint) |
Free |
| Reissue Lost or Stolen |
$5.00 |
| Reissue Worn Out Card |
$5.00 |
| Reissue Pin |
$5.00 |
| ATM Withdrawals |
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| First five |
Free |
| Over five |
$1.00 each |
| ATM Deposit |
Free |
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| Point of Sale |
Free |
| Overdrawn Account |
$20.00 |
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