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LOAN RATES Effective January 1, 2010
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*RATES AS LOW AS: |
*APR |
| New Vehicles (2010 - 2008) |
up to 60 months |
4.50% |
| $15,000 minimum |
up to 72 months |
|
| . $30,000 minimum |
up to 84 months |
|
| Used Vehicles (2007 - 2005) |
up to 60 months |
5.50% |
| . $20,000 minimum |
up to 72 months |
6.50% |
|
$30,000 minimum |
up to 84 months |
7.00% |
|
|
|
|
|
Motorcycles, Boats, Motor Homes & Other Recreational |
up to 60 months |
7.00% |
|
$20,000 minimum |
up to 96 months |
7.50% |
| $25,000 minimum |
up to 120 months |
8.00% |
| $30,000 minimum |
up to 180 months |
8.00% |
| . |
. |
|
| Share & CD Secured |
|
|
| Share Secured 4.50% above original share rate |
|
|
| CD Secured 3.00% above original CD rate |
. |
. |
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|
|
| 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 (1st QTR 2010) effective 1/1/10
| . |
RATE |
APY |
| REGULAR SHARES |
| all balances |
.10% |
.10% |
VACATION & CHRISTMAS CLUB (SB, SC) |
|
all balances |
.10% |
.10% |
| DRAFT / CHECKING |
| NO DIVIDEND |
0.00% |
0.00% |
| IRA ACCOUNTS |
. |
. |
| $0.00 - $24,999.99 = |
.25% |
.25% |
| $25,000.00 & ABOVE = |
.50% |
.50% | 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 1/1/10)
| PRODUCT CODE |
TERM |
RATE |
APY |
|
SG |
SUPER SAVER |
|
. |
Over $500,000 |
.75% |
.75% |
|
. |
$100,000 - $499,999.99 |
.50% |
.50% |
|
. |
$25,000 - $99,999.99 |
.35% |
.35% |
|
. |
$2500 -$24,999.99 |
.20% |
.20% |
|
. |
Below $2500 |
.10% |
.10% |
|
. |
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 |
0.50% |
0.50% |
|
. |
$10,000 or Above |
0.60% |
0.60% |
|
CC/CG |
1 YEAR |
.75% |
.75% |
|
. |
$10,000 or Above |
.85% |
.85% |
|
CD/CH |
2 YEAR |
1.24% |
1.25% |
|
CE/CI |
3 YEAR |
1.49% |
1.50% |
|
CF/CS |
4 YEAR |
1.74% |
1.75% |
|
. |
$10,000 or Above |
1.84% |
1.85% |
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 Card |
$3.95 |
| Gift Card |
$3.95 |
| 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 |
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