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Rates

 
Savings and Checking Rates | Certificate Rates | Money Market Rates
Loan Rates | Mortgage Rates
 
Savings & Checking Rates - July 1, 2009
Product Info: Savings  Clubs  IRA Accumulator  Checking
Account Dividend Rate Annual Percentage Yield
Savings 0.40% 0.40%
Clubs 0.40% 0.40%
IRA Accumulator 0.40% 0.40%
Ultimate Checking 0.40% 0.40%
Traditional Checking 0.15% 0.15%

$5 minimum balance is necessary to maintain membership in a savings account. No minimum balance is required for either clubs, IRA accumulator, or checking. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend rates are rounded to the nearest hundredth. Federally insured by NCUA.

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Certificate Rates - July 1, 2009
Product Info: Certificates
Term in Months Dividend Rate Annual Percentage Yield
3 1.49% 1.50%
6 1.74% 1.75%
8 1.79% 1.80%
9 1.79% 1.80%
12 2.08% 2.10%
13 2.08% 2.10%
15 2.08% 2.10%
18 2.08% 2.10%
18 (bump up) 1.98% 2.00%
24 2.08% 2.10%
30 2.08% 2.10%
36 2.47% 2.50%
48 2.72% 2.75%
60 2.96% 3.00%

Rates apply to Savings Certificate and IRA Certificate accounts, including Traditional, Roth, and Education IRAs. Members (Primary Owner only) with Ultimate Checking receive a .10% bonus. Minimum opening deposit is $500 for the Education IRA. $1,000 opening deposit for other accounts. Penalty for early withdrawal may apply. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded every month. Dividends will be credited to your account every month.  Dividend rates are rounded to the nearest hundredth. Federally insured by NCUA.



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Money Market Rates - July 1, 2009
Product Info: Money Market Savings
Money Market Type Average Daily Balance Dividend Rate APY*
 Money Market Savings

  Less than $2,000
  $2,000 - $4,999
  $5,000 - $9,999
  $10,000 - $19,999
  $20,000 - $39,999
  $40,000 - Over

0.15%
0.74%
0.84%
1.04%
1.24%
1.44%

0.15%
0.75%
0.85%
1.05%
1.25%
1.45%

 Money Market 
 Plus Savings**

  Less than $49,999
  $50,000 - $99,999
  $100,000 - Over

0.40%
1.59%
1.79%

0.40%
1.60%
1.80%

* Average Percentage Yield. The minimum opening deposit is $2,000. Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the entire balance, based on the rate in effect for the range in which your balance falls on any given day. The dividend rate and annual percentage yield may change at our discretion at anytime without notice. Dividend rates are rounded to the nearest hundredth. Federally insured by NCUA.

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Loan Rates - July 1, 2009
Product Info: Loans

Managed Credit Program for:  Vehicle, Motorcycle, Personal, Education, Boat & RV, Home Equity Fixed Rate, and VISA Credit Card Loans.
The rate will be determined by your credit history and length of the loan.

Loan Type Months to Repay APR Monthly Payment
 (per $1,000 borrowed)
Vehicles - Model Years
2005-2010
t
Rates as low as:
Excludes the refinance
of existing AEFCU loans.
1-24
25-36
37-48
49-60
61-72
73-84
4.00%
4.25%
4.50%
4.75%
5.00%
5.25%
$43.42
$29.64
$22.80
$18.76
$16.10
$14.25
Vehicles - Model Years
2000-2004
t
Rates as low as:
Excludes the refinance
of existing AEFCU loans.
1-24
25-36
37-48
49-60
61-72
73-84
4.50%
4.75%
5.00%
5.25%
5.50%
5.75%
$43.65
$29.86
$23.03
$18.99
$16.34
$14.49
New Motorcycle**
Rates as low as:
1-36
37-60
8.00%
8.50%
$31.34
$20.52
Used Motorcycle**
Rates as low as:
1-24
25-48
8.75%
9.25%
$45.57
$25.00
Personal**
Rates as low as:
1-24
25-36
37-48
49-60
10.00%
10.25%
10.50%
10.75%
$46.14
$32.38
$25.60
$21.62
Gov. M. Jodi Rell Student Loan Program 1-120 5.75% $10.98
Education
Rates as low as:
1-60
61-72
73-84
85-96
97-108
109-120
5.75%
6.00%
6.25%
6.75%
7.25%
7.25%
$19.22
$16.57
$14.73
$13.51
$12.63
$11.74
Boat & Recreational Vehicle**
Rates as low as:
1-60
61-84
85-120
9.25%
9.75%
10.25%
$20.88
$16.47
$13.35
Home Equity Fixed**
Rates as low as:
1-60
61-84
85-120
121-180
5.75%
5.75%
6.00%
6.25%
$19.22
$14.49
$11.10
$  8.57
Home Equity Line of Credit
Rates as low as:
Prime Rate minus 0.50

(APR is variable and
 subject to change)
tt
1-180 4.00% 7.40
Residential Mortgage   Purchase    Refinance
VISA® Credit Card
Rates as low as:
  7.90%
Regular Savings Secured   Savings Rate +3.25%
Certificate Secured   Certificate Rate +3.25%

*Rates subject to change without notice.
** Members with Ultimate Checking get 0.25% off current rate.
"Up to" 100% financing plus tax, title, and extended warranty on new and used vehicles is available. 
tt For a Home Equity Line of Credit, the ANNUAL PERCENTAGE RATE can change monthly. The maximum ANNUAL PERCENTAGE RATE during the plan will not exceed the lesser of 18% or the maximum ANNUAL PERCENTAGE RATE permitted by the National Credit Union Administration. The minimum ANNUAL PERCENTAGE RATE will not go below 4.00%.

Statement of Billing Rights.
For all loan types except Personal, Education, and VISA®, the Credit Union will acquire a security interest in the property purchased/pledged under the plan. 

Apply online today!

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MORTGAGE RATES - June 29, 2009
FIXED RATE LOANS Rate Points APR* Other Considerations
30-YEAR FIXED 5.375% 0 5.420%

  Maximum loan amounts:
  2-Family home     $533,850
  3-Family home     $645,300
  4-Family home     $801,950

  1-Family only:
  Maximum loan amount:
  $1,000,000
 

20-YEAR FIXED 5.250% 0 5.310%
15-YEAR FIXED 4.750% 0 4.825%
OTHER RATES AND POINT OPTIONS ARE AVAILABLE
FIXED PERIOD ADJUSTABLE LOANS Rate Points APR* MARGIN INDEX
7/1 YEAR ADJUSTABLE 5.000% 0 4.130% 2.750% 0.51%
Maximum initial adjustment: 6%. Review cap: 2% Lifetime cap: 6%.
5/1 YEAR ADJUSTABLE 4.750% 0 3.827% 2.750% 0.51%
Review cap: 2% per year after the fixed period. Lifetime cap: 6%.
3/1 YEAR ADJUSTABLE 4.500% 0 3.570% 2.750% 0.51%
Review cap: 2% per year after the fixed period. Lifetime cap: 6%.
Maximum loan amounts:
2-Family home $460,400; 3-Family home $556,500; 4-Family home $691,600
 Rates and information subject to change without notice. Call 800.842.0145, ext. 5106.

* Annual Percentage Rates (APR's) assume a down payment of 20%, a standard 45-day rate lock and a loan amount of $150,000.00.
Longer rate locks are available at a higher APR.
Ask for details about the low down payment mortgage product for the purchase of your new home and our closing cost assistance program.
Down payment as low as 0%.
Mortgage loans without an escrow for real estate taxes will be subject to an interest rate increase.
Real estate tax escrow required for all loans with down payment/equity less than 20%.
Waiver of escrow for loans with down payment/equity greater than 20% results in a 0.25% increase to the rate.

Mortgage loans with a loan to value in excess of 80% require Private Mortgage Insurance (PMI).


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    email: info@americaneagle.org
    860.568.2020   800.842.0145
Federally insured by NCUA. Equal Opportunity/Equal Housing Lender.