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 |
|
| . |
. |
. |
| Used Vehicles (2008 - 2005) |
up to 48 months |
5.49% |
| . |
up to 60 months |
5.99% |
|
|
|
Used Vehicles (2004 & Older) |
up to 36 months |
|
| . |
. |
. |
|
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 |
|
