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| Savings Rates |
Loan Rates |
Home Loan Rates |
| Savings Accounts |
Vehicle Loans |
First Mortgages |
| Share Savings, Money Market Share, IRA Share Savings, PeeWee Club, Christmas Club |
New and Used Auto |
Fixed
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| Checking Accounts |
Consumer Loans |
Home Equity Loans |
| Free Checking, Smart Checking, Easy Checking, Business Checking |
Share Secured, Personal Loans, Overdraft Protection |
Fixed, Variable |
| Certificate Accounts |
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| Share Certificate, IRA Share Certificate |
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| Savings Accounts: Rates effective March 4, 2010 |
| Share Saving Accounts* |
RATE |
APY** |
| $.00 - 99.99 |
0.00% |
0.00% |
| $100.00 - 1,999.99 |
0.25% |
.0001 - 0.24% |
| $2,000.00 - $9,999.99 |
0.30% |
0.2379 - 0.29% |
| $10,000.00 - 49,999.99 |
0.40% |
0.2881 - 0.38% |
| $50,000.00 and up |
0.50% |
0.3784 - 0.50% |
| Money Market Advantage |
| $.00 - $2,499.99 |
0.30% |
0.30% |
| $2,500.00 - $4,999.99 |
0.50% |
0.3007 - .4012% |
| $5,000.00 - $24,999.99 |
0.60% |
0.4012 - .5620% |
| $25,000.00 - $49,999.99 |
0.75% |
0.5620- .6576% |
| $50,000.00 and up |
0.85% |
0.6576- .8524% |
| Money Market Elite |
| $.00 - $24,999.99 |
0.60% |
0.60% |
| $25,000 and up |
1.00% |
1.00% |
| IRA Share Account |
Min. Deposit: $25.00
Dividends compounded monthly. Multiple Deposits may be made throughout the tax year. |
.30% |
.30% |
| Club Accounts* |
| Pee Wee |
0.25% |
0.25% |
| Christmas Club |
0.25% |
0.25% |
| *Compounded monthly. |
| Checking |
| Smart |
0.25% |
0.25% |
| Dividends are compounded monthly on the average daily balance over $200 |
| Easy |
0.25% |
0.25% |
| Business Checking |
0.25% |
0.25% |
| Dividends are compounded monthly on the average daily balance over $500 |
| Share Certificates |
| 3 Months |
.50% |
.50% |
| Dividends paid at maturity |
| 6 Months |
.90% |
.90% |
| 9 Months |
1.00% |
1.00% |
| 12 Months |
1.10% |
1.10% |
| 18 Months |
1.30% |
1.30% |
| 24 Months |
1.59% |
1.60% |
| 3 Year Step-up |
1.99% |
2.00% |
| 5 year Step-up |
2.23% |
2.25% |
| ***Compounded monthly with a minimum deposit of $500.00 |
| IRA Share Certificates: Roth and Traditional**** |
| 9 Month |
1.00% |
1.00% |
| 12 Month |
1.10% |
1.10% |
| 18 Month |
1.30% |
1.30% |
| ****compounded quarterly with minimum deposit of $500. |
| IRA Share Certificates: Coverdell Education Savings Account**** |
| 12 Month |
1.10% |
1.10% |
| ****compounded quarterly with minimum deposit of $500. |
|
**APY=annual percentage yield. All dividends are compounded on average daily balances.
Easy & Business Checking:
Dividends are compounded monthly on the average daily balance over $500.00 at the rate of 0.25% with an APY of 0.25%
Smart Club:
Dividends are compounded monthly on the average daily balance over $200.00 at the rate of 0.25% with an APY of 0.25%
Free Checking:
Non interest bearing account.
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| Loan Rates Effective January 4, 2010 |
| New Cars/Other Vehicles (09,10)** |
APR* |
| 60 Months |
|
6.00% - 14.00% |
| 48 months |
|
5.75% - 13.75% |
| Used Cars/Other Vehicles** |
APR* |
| 07, 08, 09 |
Up to 60 Months |
6.25% - 14.25% |
| 05, 06 |
Up to 48 Months |
7.25% - 15.25% |
| 03, 04 |
Up to 36 Months |
8.25% - 16.25% |
| Share Secured Loans |
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| Please contact the Credit Union for rates & details. |
| Personal Loans |
|
APR* |
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24 Months |
10.00% - 12.50% |
| Overdraft Protection |
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18.00% |
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| Home Equity/Home Equity Line of Credit*** |
APR* |
| 5 Year - Fixed |
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APR* |
| - 80% appraised/assessed value |
6.00% - 13.00% |
| - 80.01 - 90% appraised/assessed value |
6.50% - 13.50% |
| - 90.01 - 100% assessed value |
7.00% - 14.00% |
| ***Loan Amounts over $24,999, decrease rate by .50% |
| 10 Year - Variable |
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APR* |
| Line of Credit |
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†Prime -.5% to †Prime + 3.00% |
| †The Wall Street Journal Prime |
| First Mortgage |
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| Please contact the Credit Union for rates & details. |
| **Other vehicles include boats, motorcycles, RVs, motor homes. Terms may vary based on collateral. |
| *APR=Annual Percentage Rate. Rates are determined by individual credit profile. A .25% rate deduction may apply to loans with automatic payments from a U.P. Connection checking or savings account. |
| Rates are subject to change at any time without notice. Contact your credit union for the most up-to-date rates. |
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency |
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We Do Business in Accordance With The Federal Housing Law and The Equal Credit Opportunity Act. |
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