|
Rates
Savings and Checking Rates |
Certificate Rates |
Money Market Rates
Loan Rates |
Mortgage Rates
$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.
 Use our Savings Calculator to
see how your savings add up over time!
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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.
Use our Savings Calculator to
see how your savings add up over time!
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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. Use our Savings Calculator to
see how your savings add up over time!
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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.
t "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!
 Use our Loan
Calculator to see how low your monthly payment will be.
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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).
Apply
online today!
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|
