|
Loan Rates
Effective September 27, 2011
|
LOAN TYPE |
AS
LOW
AS |
MAXIMUM TERM |
MONTHLY PAYMENT PER
$1,000 |
DETAILS |
|
USED CAR#
- PROMO RATES |
2.99% APR* |
36 MONTHS |
$29.08 |
|
|
USED CAR#
- PROMO RATES |
3.99% APR* |
48 MONTHS |
$22.58 |
2006-2009
100%
NADA Retail |
|
LOAN TYPE |
AS
LOW
AS |
MAXIMUM TERM |
MONTHLY PAYMENT PER
$1,000 |
DETAILS |
|
NEW AND USED CAR# |
2.74% APR* |
36 MONTHS |
$28.97 |
|
|
|
2.99% APR* |
48
MONTHS |
$22.14 |
2010-2012
100%
MSRP or
NADA Retail |
|
|
3.24% APR* |
60 MONTHS |
$18.08 |
|
|
|
3.49% APR* |
72 MONTHS |
$15.88 |
2010-2012
up to 100% MSRP or
NADA Retail |
|
|
4.24% APR* |
60 MONTHS
|
$18.88 |
|
|
|
4.74% APR* |
72 MONTHS |
$16.46 |
2009
up to 100% NADA Retail |
|
|
4.49% APR* |
60 MONTHS |
$18.87 |
2008
100% NADA
Retail |
|
|
5.24% APR* |
72 MONTHS |
$16.57 |
2008
up to 100% NADA
Retail |
|
|
4.49% APR* |
60
MONTHS |
$19.10 |
2007
100% NADA
Retail |
|
|
5.24% APR* |
72 MONTHS |
$16.81 |
2007
up to
100% NADA
Retail |
|
|
5.49% APR* |
60
MONTHS |
$19.33 |
2006
100% NADA
Retail |
|
|
5.99% APR* |
48
MONTHS |
$23.71 |
2004-2005
100% NADA
Retail |
|
|
11.25% APR* |
48 MONTHS |
$25.84 |
2001-2003 100% NADA
Retail |
|
SPECIAL CONSOLIDATION
LOAN#^ |
8.75% APR* |
24 MONTHS |
$45.58 |
$7,500 Maximum Loan |
|
|
10.25% APR* |
48 MONTHS |
$25.49 |
$10,000 Maximum Loan |
|
PERSONAL (UNSECURED)# |
11.25% APR*
|
60 MONTHS |
$21.87 |
$10,000 Maximum Loan |
|
TUITION LOAN#
|
7.00% APR* |
12 MONTHS |
$86.55 |
$3,000
per student |
|
HOME IMPROVEMENT LOAN#
|
10.00% APR* |
60 MONTHS |
$21.26 |
$10,000 Maximum (DEED,
COPY OF ESTIMATE) Member
to pay Recording &
Discharge fees |
|
FIRST MORTGAGE# |
- |
- |
- |
Please call for details
and rates. |
|
FIXED RATE EQUITY LOAN
Rates are determined by
appraisal value
and credit history.
|
5.00% APR* |
60 MONTHS |
$18.88 |
NO CLOSING COSTS |
|
|
5.25% APR*
|
120 MONTHS |
$10.74 |
NO CLOSING COSTS |
|
|
5.75% APR* |
180 MONTHS |
$8.31 |
NO CLOSING COSTS
|
|
EQUITY LINE OF
CREDIT~#
Rates are determined by
appraisal value
and credit history |
PRIME MINUS .25% |
180 MONTHS |
$9.14 |
Variable rate,
adjusted monthly
Maximum APR*-18%
NO CLOSING COSTS
Floor rate 4.00%
APR*
|
|
NEW BOAT#
|
8.75% APR* |
60 MONTHS |
$20.65 |
80% Financing $15,000
Maximum Loan |
|
|
8.75% APR*
|
84 MONTHS |
$15.97 |
80% Financing $30,000
Maximum Loan |
|
USED BOAT#
|
9.75% APR* |
60 MONTHS |
$21.14 |
75% Financing $15,000
Maximum Loan |
|
NEW RECREATIONAL VEHICLE#
|
9.25% APR* |
84 MONTHS |
$16.23 |
30% Down
$25,000
Maximum Loan |
FIXED RATE LOANS
|
LOAN TYPE |
FIXED RATE |
MAXIMUM TERM |
MONTHLY PAYMENT PER
$1,000 |
DETAILS |
|
SHARE SECURED LOAN
|
APY***
+ 3.00% |
60 MONTHS |
- |
- |
|
VISA CREDIT CARD |
9.90% APR* |
- |
- |
$10,000 maximum credit
line.
No annual fee! |
|
OVERDRAFT PROTECTION |
11.25% APR* |
- |
- |
Minimum APR* 10%
Maximum APR* 18%
|
|
MASSSAVE.COM HEAT LOAN |
0.00 % APR* |
84 MONTHS |
$11.91 |
$10,000 Maximum Limit |
|
FUEL LOAN |
5,25% APR* |
12 MONTHS |
$85.72 |
$2,500 Maximum Credit
Line |
All loan rates are subject to
change without notice.
* Annual percentage rate
***Annual Percentage Yield
^ Limited time offer. Some
restrictions apply.
# Rates are determined by credit
history. Your rate may be higher
than the quoted rate.
~ If the plan is closed within
the first two years after your
first advance you will be liable
to reimburse the credit union
for the fees paid on your
behalf. Any amount owed may be
added to the principal balance.
Money Market Accounts*****
Effective December 01, 2011
|
Average daily balance
of: |
Dividend Rate |
APY*** |
|
$2,000 - $19,999 |
.20% |
.20% |
|
$20,000 - $49,999 |
.25% |
.25% |
|
$50,000 -
$99,999 |
.30% |
.30% |
|
$100,000+ |
.30% |
.30% |
***ANNUAL PERCENTAGE YIELD.
*****RATES SUBJECT TO CHANGE
WITHOUT NOTICE. THE APY IS
ACCURATE AS OF THE LAST DIVIDEND
DECLARATION DATE.
Share Certificates & IRA
Share Certificates
Effective December 01, 2011
Dividend Rate
|
6-MONTH CERTIFICATE*
|
.30% Compounded Monthly |
*APY .30% |
|
12-MONTH CERTIFICATE*
|
.40% Compounded Monthly
|
*APY .40% |
|
18-MONTH CERTIFICATE*
|
.50% Compounded Monthly |
*APY .50% |
|
24-MONTH
CERTIFICATE*
|
.70% Compounded Monthly |
*APY .70% |
|
36 MONTH CERTIFICATE*
|
1.00% Compounded Monthly
|
*APY 1.00% |
|
48-MONTH CERTIFICATE*
|
1.25% Compounded Monthly
|
*APY 1.26% |
|
60-MONTH CERTIFICATE*
|
1.50% Compounded Monthly |
*APY 1.51% |
Minimum deposit of $500.00
required on all certificates.
***Annual Percentage Yield
*RATES ARE SUBJECT TO CHANGE
WITHOUT NOTICE. ANNUAL
PERCENTAGE YIELD ASSUMES THAT
DIVIDENDS REMAIN ON DEPOSIT FOR
THE LENGTH OF TERM. DEPOSITS
WITH MATURITIES OF ONE YEAR OR
LESS SHALL FORFEIT AN AMOUNT
EQUAL TO 3 MONTHS SIMPLE
INTEREST CALCULATED ON THE
AMOUNT OF EARLY WITHDRAWAL.
DEPOSITS WITH MATURITIES OF MORE
THAN ONE YEAR SHALL FORFEIT AN
AMOUNT EQUAL TO 6 MONTHS SIMPLE
INTEREST CALCULATED ON THE
AMOUNT OF EARLY WITHDRAWAL.
Please inquire on how you can
receive a higher rate on your
certificate
with our bonus incentives!
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