Rates
Loan Rates
Auto & Motorcycle Rates - TITLED
Boat Motor Home & Trailer Rates - TITLED
Jetski/Snomobile/ORVs/CamperTops -NON-TITLED
Vehicle Loan Terms
Home Equity and 2nd Mortgage Loans
Share Secured Loans
Unsecured Loans
MasterCard
Revolving Loans
Line-of-Credit Loans
Savings Rates
Share Rates
Certificates
IRA Certificates
| Auto, Truck, Van & Motorcycle Loans - TITLED |
| Effective Date: October 2011 |
| Term | Used *APR (as low as) | New *APR (as low as) |
| 24 Months |
3.250% |
3.25% |
| 36 Months |
3.250% |
3.25% |
| 48 Months |
3.250% |
3.25% |
| 60 Months |
3.250% |
3.25% |
| 66 Months |
3.750% |
3.75% |
| 72 Months |
3.750% |
3.75% |
WITH DIRECT DEPOSIT! All Rates and Conditions are subject to change without prior notice. Additional charges could apply such as late payment fees and/or fees listed in contractual agreement. Model years 10 years old or less in NADA.
|
| Boat, Motor Home and Trailer Rates - TITLED |
| Effective Date: October 2011 |
| Term | *APR (as low as) |
| 60 Months |
7.000% |
| 84 Months |
8.000% |
| 120 Months |
9.000% |
| 180 Months |
11.000% |
| Vehicle Loan Terms |
| Year | Term |
| 2012 - 2010 |
66 Months |
| 2009 -2008 |
54 Months |
| 2007 - 2005 |
42 Months |
| 2004- 2003 |
30 Months |
| 2002 |
12 Months |
Back to top
| Jet Ski / Snowmobiles / ORVs / Camper Tops, etc. - NON-TITLED |
| Effective Date: October 2011 |
| Term | *APR (as low as) |
| 36 Months |
7.000% |
| 60 Months |
8.000% |
| 72 Months |
9.000% |
| Home Equity and 2nd Mortgage Loans |
| Details |
| Fixed & Variable Rates with Closed End or Line of Credit - Please call for current rates! |
Back to top
| Share Secured Loans |
| Term | *APR (as low as) |
180 months |
Variable rate-maximum 180 months |
| Unsecured Loans |
| Effective Date: October 2011 |
| Term | *APR (as low as) |
| 12 Months |
6.120% |
| 24 Months |
7.240% |
| 36 Months |
9.360% |
| 48 Months |
10.480% |
| 60 Months |
11.600% |
Back to top
| MasterCard |
| Name | *APR (as low as) |
| MasterCard & Share Secured MasterCard |
9.750% |
| Other APRs |
Balance Transfer: as low as 9.75% APR
Cash Advances: as low as 9.75% APR |
| Annual Fee |
None |
| Grace Period |
25 Days |
Balance Calculation
Method For Purchases |
Average Daily Balance
(including new purchase) |
| Late Payment Fee |
$10.00 |
| Minimum Finance Charge |
$0.50 |
| These disclosures are accurate as of March 2008. They are subject to change periodically. Contact the credit union at (248) 674-0491 or write to us at 4594 Pontiac Lake Road, Waterford, MI 48328 for information on any changes to the above disclosure. |
Back to top
| Revolving Loans |
| Effective Date: October 2011 |
| *APR (as low as) |
| 12.500% |
| Line of Credit Loans |
| Effective Date: October 2011 |
| *APR (as low as) |
| 15.000% |
Back to top
| Share Rates |
| Effective Date: October 2011 |
| Name | *APR (as low as) | **APY |
| Share Account |
0.050% |
0.050% |
| Holiday Club Account |
0.050% |
0.050% |
| Vacation Club Account |
0.050% |
0.050% |
| Secondary Share Account |
0.050% |
0.050% |
$5.00 Minimum Deposit to open account. Under age 18 will receive dividends on balances less than $100.00. Members 18 and older must have minimum balance of $100.00 to receive dividends. |
| Money Market Account |
0.100% |
0.100% |
$2,500 Minimum Balance |
| IRA Share Account |
0.300% |
0.300% |
No minimum deposit required |
| Certificates |
| Effective Date: October 2011 |
| Term | Opening Balance | *APR | **APY |
| 6 Month |
$1,000.00 |
0.150% |
0.150% |
| |
$500.00 |
0.050% |
0.050% |
| 12 Month |
$1,000.00 |
0.250% |
0.250% |
| |
$500.00 |
0.050% |
0.050% |
| 18 Month |
$1,000.00 |
0.300% |
0.300% |
| |
$500.00 |
0.050% |
0.050% |
| 24 Month |
$1,000.00 |
0.400% |
0.400% |
| |
$500.00 |
0.150% |
0.150% |
| 36 Month |
$1,000.00 |
0.650% |
0.650% |
| |
$500.00 |
0.400% |
0.400% |
Back to top
| IRA Certificates |
| Effective Date: October 2011 |
| Term | Opening Balance | *APR | **APY |
| 6 Month |
$1,000.00 |
0.150% |
0.150% |
| 12 Month |
$1,000.00 |
0.250% |
0.250% |
| 18 Month |
$1,000.00 |
0.300% |
0.300% |
| 24 Month |
$1,000.00 |
0.400% |
0.400% |
| 36 Month |
$1,000.00 |
0.650% |
0.650% |
Back to top