Rates

 Rates as of September 1st 2010 

** All posted rates include all applicable discounts**

LOANS

TERM

RATE %

APR %
New & Used Vehicles, Motorcycles**

60

4.24

4.24
Classic Automobiles**

60

6.99

6.99
RVs, Campers, Snowmobiles, and Motorhomes

60

8.99

8.99
Visa*****

N/A

 5.99

5.99
Personal Loans

48

11.24

11.24
Home Equity LOC

180

6.25

6.25
Fixed 2nd Mortgage - 15 yr ***

180

6.99 

6.99 
Fixed 2nd Mortgage - 20 yr ***

240

8.49

8.49

*APR = Annual Percentage Rate
**Terms up to 84 months available upon request. Contact a loan officer for details.
 ***Terms available on fixed 2nd mortgages range from 3 to 20 years. Contact the credit union for additional rates
****Rates are subject to change without notice. Loan rates and terms are dependent on credit qualifications. Loan rates listed are the lowest APR for well qualified borrowers and include all available discounts.
*****Introductory rate for 1st 6 months on Platinum card only. After 6 months Platinum rate is 9.90% APR

SAVINGS

Minimum Deposit

Dividend Rate %

APY %*

Regular, Secondary, Business, Trust, SpyKids Shares

$5.00

0.100

 0.10
IRA Share Account

$0.00

 0.747

 0.75
Holiday Club

$0.00

 0.349

 0.35
UR Share Account $0 - $500 *****

$5.00

 1.094

 1.10
Checking with Dividends      
$2,000 - $9,999

**

 0.050

 0.05
$10,000 - $24,999

**

 0.100

 0.10
$25,000 +

**

 0.200

 0.20
Money Market      
$2,500 - $9,999

 ***

 0.100

 0.10
$10,000 - $24,999

 ***

 0.200

 0.20
$25,000 - $49,999

 ***

 0.300

 0.30
$50,000 +

 ***

 0.399

 0.40
Giddy Up Money Market $0 - $500

 ****

 5.156

 5.28

*APY = Annual Percentage Yield
** If at any time during the month the account balance falls below $1,000.00, a $7.00 fee will be charged.
***Accounts falling below $2,500.00 at any time during the month will not earn dividends
***** UR Share defaults to Prime Share Rate on balances over $500.00

 

Certificates & IRA Certificates *

Minimum Deposit

Dividend Rate %

APY % **
3 Month

$500

0.200

0.200
6 Month

$500

0.399

0.400
12 Month

$500

0.698

0.700
18 Month

$500

0.847

0.850
24 Month

$500

1.244

1.250
36 Month

$500

1.788

1.800
48 Month

$500

2.231

2.250
60 Month

$500

2.526

2.55
Add-On Certificate Accounts*      
12 Month

$250

0.449

0.45
24 Month

$250

0.947

0.95
36 Month

$250

1.244

1.25
Baby-Jumbo Certificate Accounts*      
6 Month

$25,000

0.549

0.55
12 Month

$25,000

0.947

0.95
24 Month

$25,000

1.393

1.40
60 Month

$25,000

2.673

2.70

*Penalties for early withdrawal may apply
**APY=Annual Percentage Yield
***Annual Percentage Rate