LOAN RATES
Effective March 1, 2008

*RATES AS LOW AS:

*APR
New Vehicles (2008 - 2007) up to 60 months
4.99%
. up to 72 months
5.99%
. .
. 
Used Vehicles  (2008 - 2005)

up to 48 months

5.49%
. up to 60 months
5.99%
 
 
 
Used Vehicles  (2004 & Older)
up to 36 months
7.49%
. .
. 

Motor Cycles, RV's, boats, campers, Travel Trailers

up to 48 months
7.50%

 

up to 60 months
7.90%
  up to 72 months
8.99%
Motor Homes (2008 - 2006) up to 120 months
8.00%
. . 
 
.  . 
 
Motor Homes (2005 & Older) up to 84 months
9.75%
.  . 
.
Personal Watercraft, ATV's, Snow Mobiles, etc. up to 48 months
7.99%
Personal Watercraft, ATV's, Snow Mobile, etc. up to 60 months
8.25%
Signature Loans up to 48 months
9.99%
up to 60 months
10.49%
Share Pledge Loans   up to 60 months
4.99%
Home Improvement

up to 48 months
9.99%
up to 60 months
10.49%
Personal Touch (Overdraft Line of Credit) ...
12.99%
BBCU Visa Card - No Annual fee ...
11.90%
Home Equity & First Mortgage Loans
Refer To 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 (1st QTR 2008) effective 1/1/08

.
RATE
APY
REGULAR SHARES
all balances
.50%
.50%
VACATION & CHRISTMAS CLUB
(SB, SC)
all balances
.50%
.50%
DRAFT / CHECKING
NO DIVIDEND
0.00%
0.00%
IRA ACCOUNTS
.
.
$0.00 - $24,999.99 =
2.00%
2.01%
$25,000.00 & ABOVE =
2.15%
2.17%

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 4/1/08)

PRODUCT CODE TERM
RATE
APY
SG
SUPER SAVER
.
Over $500,000
2.25%
2.27%
.
$100,000 - $499,999.99
2.00%
2.02%
.
$25,000 - $99,999.99
1.85%
1.86%
.
$2500 -$24,999.99
1.65%
1.66%
.
Below $2500
.50%
.50%
.
REGULAR & IRA CERTIFICATES:
(min. dep. $500)
CA/CQ/CT/CU
2 MONTH
.
.
.
$0.00 - $9,999.99
2.03%
2.05%
.
$10,000 or Above
2.08%
2.10%
CB/CR
6 MONTH
2.48%
2.50%
.
$10,000 or Above
2.53%
2.55%
CC/CG
1 YEAR
2.68%
2.70%
.
$10,000 or Above
2.78%
2.80%
CD/CH
2 YEAR
2.97%
3.00%
CE/CI
3 YEAR
3.22%
3.25%
CF/CS
4 YEAR
3.46%
3.50%
.
$10,000 or Above
3.51%
3.55%
NO COMPOUNDING OF CERTIFICATE INTEREST, WHEN TRANSFER OPTION CHOSEN.
(APY WILL NOT APPLY)

ACCOUNT/ SERVICE FEE SCHEDULE (as of 11/10/06)

DESCRIPTION
AMOUNT
Checking Account Fees
Check Order
Various
(Senior Citizens - 1 free box per year)
Certified Check (each)
$3.00
Overdraft (each paid item)
Returned Check - NSF (each returned item)
$25.00
Stop Payment (each) $15.00
Copy of Check (each) $3.00
Monthly Account Maintenance $1.50
ATM Account Fees
Additional Card $5.00
Replace Lost Card $5.00
Change or Replace PIN $3.00
Overdraft (each paid item) $25.00
Balance Inquiry (each) $1.00
Withdrawal (each) $1.00
(note: 5 free ATM withdrawals per month)
Balance Transfers
Transfer from Savings to Checking to cover a paid overdraft (per transfer) $2.00
Phone Transfer (per transfer) $2.50
(note: No fee charged if Teller Phone is utilized)
Wire Transfers (Outgoing)
Domestic (each) $12.50
Foreign (each) $30.00
. .
CU to CU Transfer (Michigan CU's)

$3.50

Visa
Statement Copy $2.00
Over Limit (per transaction) $25.00
Late Charge (per month) $25.00
Card Capture $65.00
Individual Retirement Accounts (IRA)
Annual Account Maintenance $0.00
Account Closing $25.00
Legal Fees
Garnishment (each) $20.00
Levy (each) $20.00
Miscellaneous Fees
Monthly Dormant Account $3.00
Cashier's Check (each) $2.25
(Senior Citizens - 1 free check per month)
Money Order (each) $1.25
(Senior Citizens $.50)
Traveler's Checks (per $100) $1.00
(Senior Citizens - Free)
Traveler's Checks for Two (per $100) $1.25
(Senior Citizens - $.50 per $100.00)
Deposited Check Returned Unpaid (each) $8.50
Statement Copy / Activity Printout (per page) $1.00
Account Balancing Assistance (per hour)
($7.50 minimum)
$15.00
Mail Check to Member (per check) $2.75
ACH NSF Item (per item) $25.00
ACH Stop Payment $15.00
Foreign Check $2.00
Returned Mail (each) $1.00
Non-Member Check Cashing Fee $3.00

 

 
 
   


| locations & hours | contact us | home |
| products & services | applications | news & events |
| online services | rates/links | resources |

| link disclaimer | disclosures | legal disclaimer | privacy policy | e-mail |

 
site design by Paragon Services, LLC © 2008 Birmingham Bloomfield Credit Union All Rights Reserved.