Monday, March 15, 2010
Waterford, MI -
Current Temp: 45°F
Waterford, MI -
Current Temp: 45°F
Stock Ticker
| Ticker | Last Trade | Change | ||||
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| Dow | 10601.79 | -22.90 | ||||
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| NASDAQ | 2351.30 | -16.36 | ||||
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| S&P 500 | 1145.04 | -4.95 | ||||
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Rates
Loan Rates
Auto & Motorcycle Rates - TITLED
Boat Motor Home & Trailer Rates - TITLED
Jetski/Snomobile/ORVs/CamperTops -NON-TITLED
Home Equity and 2nd Mortgage Loans
Share Secured Loans
Unsecured Loans
MasterCard
Revolving Loans
Line-of-Credit Loans
Vehicle Loan Terms
Savings Rates
Share Rates
Certificates
IRA Certificates
| Auto, Truck, Van & Motorcycle Loans - TITLED | ||
| Effective Date: February 2010 | ||
| Term | Used *APR (as low as) | New *APR (as low as) |
| 24 Months | 4.690% | 4.39% |
| 36 Months | 4.690% | 4.39% |
| 48 Months | 4.690% | 4.39% |
| 60 Months | 4.690% | 4.39% |
| 66 Months | 5.190% | 4.89% |
| 72 Months | 5.690% | 5.39% |
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: February 2010 | |
| Term | *APR (as low as) |
| 60 Months | 8.250% |
| 84 Months | 8.750% |
| 120 Months | 10.750% |
| 180 Months | 12.750% |
| Jet Ski / Snowmobiles / ORVs / Camper Tops, etc. - NON-TITLED | |
| Effective Date: February 2010 | |
| Term | *APR (as low as) |
| 36 Months | 6.600% |
| 60 Months | 7.150% |
| 72 Months | 7.600% |
| Home Equity and 2nd Mortgage Loans |
| Details |
| Fixed & Variable Rates with Closed End or Line of Credit - Please call for current rates! |
| Share Secured Loans | |
| Term | *APR (as low as) |
180 months |
Variable rate-maximum 180 months |
| Unsecured Loans | |
| Effective Date: February 2010 | |
| Term | *APR (as low as) |
| 12 Months | 9.750% |
| 24 Months | 10.750% |
| 36 Months | 11.750% |
| 48/60 Months | 12.750% |
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| 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. | |
| Revolving Loans |
| Effective Date: February 2010 |
| *APR (as low as) |
| 12.500% |
| Line of Credit Loans |
| Effective Date: February 2010 |
| *APR (as low as) |
| 15.000% |
| Vehicle Loan Terms | |
| Year | Term |
| 2010 - 2008 | 66 Months |
| 2007 -2006 | 54 Months |
| 2005 - 2003 | 42 Months |
| 2002 - 2001 | 30 Months |
| 2000 | 12 Months |
| Share Rates | ||
| Effective Date: November 2009 | ||
| Name | *APR (as low as) | **APY |
| Share Account | 0.150% | 0.150% |
| Holiday Club Account | 0.150% | 0.150% |
| Vacation Club Account | 0.150% | 0.150% |
| Secondary Share Account | 0.150% | 0.150% |
$5.00 Minimum Deposit to open account. Under age 18 will receive dividends on balances less than $100.00. | ||
| Money Market Account | 0.300% | 0.300% |
$2,500 Minimum Balance | ||
| IRA Share Account | 0.650% | 0.650% |
No minimum deposit required | ||
| Certificates | |||
| Effective Date: November 2009 | |||
| Term | Opening Balance | *APR | **APY |
| 6 Month | $1,000.00 | 0.700% | 0.700% |
| $500.00 | 0.450% | 0.450% | |
| 12 Month | $1,000.00 | 1.050% | 1.050% |
| $500.00 | 0.800% | 0.800% | |
| 18 Month | $1,000.00 | 1.100% | 1.100% |
| $500.00 | 0.850% | 0.850% | |
| 24 Month | $1,000.00 | 1.340% | 1.350% |
| $500.00 | 1.100% | 1.100% | |
| 36 Month | $1,000.00 | 1.440% | 1.450% |
| $500.00 | 1.190% | 1.200% | |
| IRA Certificates | |||
| Effective Date: November 2009 | |||
| Term | Opening Balance | *APR | **APY |
| 6 Month | $1,000.00 | 0.700% | 0.700% |
| 12 Month | $1,000.00 | 0.450% | 0.450% |
| 18 Month | $1,000.00 | 1.100% | 1.100% |
| 24 Month | $1,000.00 | 1.340% | 1.350% |
| 36 Month | $1,000.00 | 1.440% | 1.450% |
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NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act