|
Rate Specials
Auto Loan Special
NEW MONEY ONLY! NO WBVFCU Refi’s!
New – 2005…………………………2.00%
2003-2004 (Up to 36 mos.) ………..4.99%
Now through May 31, 2013
Our Rates
Auto Loans I Personal Loans I Home Equity Loans I Home Equity Line of Credit I Recreational Vehicles I Student Loans I Savings Rates I Share Certificate Rates I Personal Line of Credit I Home Mortgages ITiered Money Market Accounts | Youth 2-5-0 Share Certificate | IRA Share Accounts
| Savings Rates
(effective 08/01/2012) |
| |
APR |
APY |
| Share (savings) ................................................. |
0.10% |
0.10% |
| Preferred
Checking........................................... |
|
|
|
>
$500.00......................................................... |
0.05% |
0.05% |
|
$0.00 -
$499.99................................................ |
0.00% |
0.00% |
| Second Chance Checking ............................... |
0.00% |
0.00% |
|
Senior Checking
.............................................. |
0.05% |
0.05% |
| Standard Checking ........................................... |
0.00% |
0.00% |
|
Youth Club
Account.......................................... |
0.25% |
0.25% |
|
2013 Christmas Club ......................................... |
0.15% |
0.15% |
| U Name It Account ............................................ |
0.10% |
0.10% |
Rates May Change without prior notice |
(See Disclosure of Account Terms) Fee Schedule |
| Tiered Money Market Accounts
(effective
08/01/2012) |
|
APR |
APY |
> $100,000.00........................................... |
0.10% |
0.10% |
$50,000.00 - $99,999.99 ........................... |
0.10% |
0.10% |
$25,000.00 - $49,999.99 ........................... |
0.10% |
0.10% |
$10,000.00 - $24,999.99............................ |
0.10% |
0.10% |
$ 5,000.00 - $ 9,999.99 ........................... |
0.10% |
0.10% |
$ 2,500.00 - $ 4,999.99 ........................... |
0.10% |
0.10% |
$ 0.00 - $ 2,499.99 ................................... |
0.00% |
0.00% |
|
Minimum balance to earn dividends is $2,500.00
The minimum dollar amount on any withdrawal or transfer will be $1,000.
There are no limits on the dollar amounts
or number of deposits made during the month. |
| IRA Share Accounts
(effective 08/01/2012) |
|
APR |
APY |
Share (savings)
.............................................. |
0.20% |
0.20% |
| IRA Certificate Rates
(effective 05/29/2012) |
|
$500 (Minimum Deposit) |
| |
APR |
APY |
| 6 month ............................................................. |
0.20% |
0.20% |
| 9 months ........................................................... |
0.20% |
0.20% |
| 12-months ......................................................... |
0.30% |
0.30% |
| 18-months ......................................................... |
0.34% |
0.35% |
| 24-months ......................................................... |
0.39% |
0.40% |
| 36-months ......................................................... |
0.69% |
0.70% |
| 48-months ......................................................... |
0.79% |
0.80% |
| 60-months ......................................................... |
0.79% |
0.80% |
Add 10BP over $25,000.00 |
Rates May Change without prior notice |
| Share
Certificate
(effective 05/29/2012) |
|
$500 (Minimum Deposit) |
| |
APR |
APY |
| 6 month ............................................................. |
0.15% |
0.15% |
| 9 months ........................................................... |
0.15% |
0.15% |
| 12-months ......................................................... |
0.25% |
0.25% |
| 18-months ......................................................... |
0.30% |
0.30% |
| 24-months ......................................................... |
0.34% |
0.35% |
| 36-months ......................................................... |
0.64% |
0.65% |
| 48-months ......................................................... |
0.74% |
0.75% |
| 60-months ......................................................... |
0.74% |
0.75% |
Add 10BP over $25,000.00 |
Rates May Change without prior notice |
| Youth 2-5-0 Share Certificate
(effective 05/29/2012) |
| $250 (minimum deposit) |
| |
APR |
APY |
| 2.50 years (30 months) ..................................... |
0.99% |
1.00% |
Rates May Change without prior notice |
| Early withdrawal penalties apply to certificates of deposit. Withdrawals from certificates of deposit prior to end of stated terms will reduce earnings. Certain restrictions apply. (See Disclosure of Account Terms) Fee Schedule |
Fixed Rate Loans ****
| Automobile Loans
(effective 10/30/2012) |
| New Vehicles: Untitled (up to 72 months)........................................... |
3.49% APR |
| Used Vehicles: |
|
| 2011-2013 (up to 72 months)*................................................... |
3.49% APR |
|
2008-2010 (up to 60 months)....................................................... |
3.49% APR |
|
2005-2007 (up to 48 months) ...................................................... |
3.49% APR |
|
2003-2004 (up to 36 months) ...................................................... |
5.99% APR |
* Minimum loan amount is $25,000 for the 72 month term for a used vehicle. |
Get a Quick Quote on your car at the NADA Web Site
| Personal Loans
(effective 04/01/2008) |
| Personal Loans (up to 60 months) $10,000 max ** .................... |
11.40%APR |
| Share Secured (up to 36 months) ............................................... |
5.00% APR |
| Share Secured (up to 60 months) ............................................... |
5.50% APR |
| Share Secured (61-120 months) ................................................. |
6.00% APR |
| VISA No Annual Fee, $10,000 maximum ** ............................... |
10.65% APR |
| VISA Cash Advances ** ............................................................ |
10.65% APR |
** The Maximum credit limit is not guaranteed to every applicant and will be subject to the applicant's qualifications. |
| Home Equity Loans
*
(effective 06/01/2010) |
|
Rates are subject to change
based on the government controlled index. |
|
Please call the credit
union for a current rate quote. |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
| |
|
|
Calculate the available equity for your home
|
Recreational Vehicle Loan ****
(effective 05/29/2012) |
New Recreational Vehicle (up to 120 months) *** ..................................................... |
8.40% APR |
New Recreational Vehicle over $50,000
(up to 180 months) *** .............................. |
8.40% APR |
Used Recreational Vehicle (up to 120 months) .......................................................... |
8.40% APR |
All Terrain Vehicle (up to 60 months) .......................................................................... |
8.40% APR |
Boat & Water Recreational Vehicles Loans (up to 60 months) ................................... |
8.40% APR |
*** A new recreational vehicle is described as an untitled vehicle with less than 2,000 miles |
**** Loan rates may vary based upon borrower's qualifications. |
Variable Rate Loans
| Home Equity Line of Credit |
| Up to 80% of the available equity in a primary residence.
The variable rate is adjusted semi-annually in March and September. The rate is computed by adding .50% to the Prime Rate as published in the Wall Street Journal. Annual rate change cap of 2.00%; over all maximum rate cap of 18%. |
| Personal Line of Credit ** |
| The Personal Line of Credit is adjusted semi-annually in March and September. The rate is computed by adding 3.00% to the Prime Rate as published in the Wall Street Journal. Annual rate change cap of 2.00%; over all maximum rate cap of 18%. |
| Mortgages |
| Mortgage rates are subject to change on a daily basis. For current rates stop by the Loan Department or call (570) 323-9407 or (800) 326-9539 |
Calculate Your Available Home Equity
| Student Loans |
| |
|
CU Student Choice
Loans:
|
Credit Tier |
FICO Score |
Interest Rate* |
|
1 |
730+ |
Prime + 2.50% |
|
2 |
700 - 729 |
Prime + 3.00% |
|
3 |
680 - 699 |
Prime + 4.00% |
|
4 |
660 - 679 |
Prime + 5.00% |
![[1.75 inch Equal Housing Opportunity Logo]](rates_files/image002.jpg) *
Variable rate based on Prime Interest
Rate Index. Index may adjust quarterly
(Jan, Apr, Jul, Oct). Floor rate of
5.00% and a maximum rate of 18.00% |
|
