|
LOAN RATES
Effective June 2, 2010
|
*RATES AS LOW AS: |
*APR |
| New Vehicles (2010 - 2008) |
up to 60 months |
3.99% |
| $15,000 minimum |
up to 72 months |
|
| . $30,000 minimum |
up to 84 months |
|
|
|
|
|
| Used Vehicles (2007 - 2005) |
up to 60 months |
4.49% |
| . $20,000 minimum |
up to 72 months |
4.99% |
|
$30,000 minimum |
up to 84 months |
5.49% |
|
|
|
|
| Used Vehicles (2004 - 2003) |
up to 60 months |
4.99% |
| . $20,000 minimum |
up to 72 months |
5.99% |
|
|
|
|
|
Motorcycles, Boats, Motor Homes & Other Recreational |
up to 60 months |
6.75% |
|
$20,000 minimum |
up to 96 months |
7.00% |
| $25,000 minimum |
up to 120 months |
7.25% |
| $30,000 minimum |
up to 180 months |
7.50% |
| . |
. |
|
| Share & CD Secured |
|
|
| Share Secured 4.50% above original share rate |
|
|
| CD Secured 3.00% above original CD rate |
. |
. |
|
|
|
|
| Other Secured |
up to 36 months |
7.75% |
| |
up to 60 months |
8.25% |
| |
|
|
| Signature & Personal Touch LOC & Educational |
up to 60 months |
9.99% |
|
Line of Credit |
12.99% |
| |
|
|
| BBCU Visa Card - No Annual fee |
|
8.90% |
| |
|
|
Home Equity Loans
HELOC - 80% LTV
Fixed Rate - 80% LTV |
|
5.00% |
| up to 120 months |
7.00% |
|
... |
|
| First Mortgage Loans |
Please Call Loan Dpt |
*Rates are Annual Percentage Rates. Rates subject to change without notice. Rates are as low as the stated APR based on credit history.
CURRENT DIVIDENDS (2nd QTR 2010) effective 4/1/10
| . |
RATE |
APY |
| REGULAR SHARES |
| all balances |
.05% |
.05% |
VACATION & CHRISTMAS CLUB
(SB, SC) |
|
all balances |
.05% |
.05% |
| DRAFT / CHECKING |
| NO DIVIDEND |
0.00% |
0.00% |
| IRA ACCOUNTS |
. |
. |
| $0.00 - $24,999.99 = |
.15% |
.15% |
| $25,000.00 & ABOVE = |
.10% |
.10% |
Rates are Annual Percentage Yield
CALCULATED DAILY / PAID & COMPOUNDED QUARTERLY, We may change dividend rate for your account as determined by the Credit Union board of directors.
OTHER RATES (as of 5/1/10)
| PRODUCT CODE |
TERM |
RATE |
APY |
|
SG |
SUPER SAVER |
|
. |
Over $500,000 |
.25% |
.25% |
|
. |
$100,000 - $499,999.99 |
.20% |
.20% |
|
. |
$25,000 - $99,999.99 |
.15% |
.15% |
|
. |
$2500 -$24,999.99 |
.10% |
.10% |
|
. |
Below $2500 |
.05% |
.05% |
|
. |
REGULAR & IRA CERTIFICATES:
(min. dep. $500) |
|
CA/CQ/CT/CU |
2 MONTH |
. |
. |
|
. |
$0.00 - $9,999.99 |
0.10% |
0.10% |
|
. |
$10,000 or Above |
0.15% |
0.15% |
|
CB/CR |
6 MONTH |
0.40% |
0.40% |
|
. |
$10,000 or Above |
0.50% |
0.50% |
|
CC/CG |
1 YEAR |
.65% |
.65% |
|
. |
$10,000 or Above |
.75% |
.75% |
|
CD/CH |
2 YEAR |
1.00% |
1.01% |
|
CE/CI |
3 YEAR |
1.24% |
1.25% |
|
CF/CS |
4 YEAR |
1.49% |
1.50% |
|
. |
$10,000 or Above |
1.54% |
1.55% |
NO COMPOUNDING OF CERTIFICATE INTEREST, WHEN TRANSFER OPTION CHOSEN.
(APY WILL NOT APPLY) |
ACCOUNT/ SERVICE FEE SCHEDULE (as of 05/15/10)
| DESCRIPTION |
AMOUNT |
| Checking Account Fees |
| Check Order |
Varies |
| (Free Spirit Members - 1 free box per year) |
|
| Certified Check Request (per check) |
3.00 |
| Discretionary Pay Overdraft (each item) |
30.00 |
| Returned Draft/ACH - NSF (each item) |
30.00 |
| Stop Payment Draft/ACH (per request) |
30.00 |
| Copy of Check (per check) |
3.00 |
| Monthly Account Maintenance |
1.50 |
| Overdraft Transfer From Savings (per item) |
3.00 |
| Monthly Business Account Maintenance |
7.50 |
| |
|
| ATM/Debit Card Fees |
| Card Replacement Request |
5.00 |
| PIN Reorder Request |
3.00 |
| Balance Inquiry (each) |
1.00 |
| Withdrawals (5 free per month) |
1.00 |
| Debit/ATM Card Rush Order |
40.00 |
| Overdraft (each item) |
25.00 |
| |
|
| Visa Credit Card Fees |
| Statement Copy |
2.00 |
| Duplicate Card Request |
5.00 |
| Late Charge (per month) |
30.00 |
| Card Capture |
65.00 |
| |
|
| Loan Fees |
| Consumer Loan Late Charge (per month) |
25.00 |
| Home Equity Loan Late Charge (per month) |
5% Pmt Due |
| Lien Verification (each piece of collateral) |
10.00 |
| |
|
| Individual Retirement Account (IRA) Fees |
| Annual Account Maintenance (per account) |
N/C |
| Account Closing |
25.00 |
| |
|
| Wire Transfer Fees |
| Domestic Outgoing (each) |
15.00 |
| Foreign Outgoing (each) |
30.00 |
| Incoming Wire |
N/C |
| |
|
| Legal Fees |
| Levies, Writs & Garnishment (each) |
25.00 |
| |
|
| Miscellaneous Service Fees |
| Phone Transfer (per transfer) (No fee charged if Teller Phone or Virtual Branch is utilized) |
3.00 |
| Cashier's Check (each) (Free Spirit Members - 1 free check per month) |
2.25 |
| Cashier Check Mailed to Member (per check) |
2.75 |
| Money Order (each) (Free Spirit Members - $0.50) |
1.25 |
| Traveler's Card (each) |
3.95 |
| Gift Card (each) |
3.95 |
| Statement Copy / Activity Printout (per page) |
1.00 |
| Foreign Item Deposit (each, plus Bank Fees) |
5.00 |
| Deposited Item Returned Unpaid (each) |
8.50 |
| Account Balancing Assistance (per hour / $7.50 minimum) |
15.00 |
| Dormant Account (per month) |
3.00 |
| Escheatment of Funds |
50.00 |
| ACH / Preauthorized Draft NSF Item (per item) |
30.00 |
| Stop Payment (each) |
30.00 |
| Returned Mail / Bad Address (per month) |
3.00 |
| Non-Member Check Cashing Fee (each item) |
3.00 |
| Single Product Account Fee (per month) |
3.00 |
|
