|
|
|
Current rates as
of 8/1/2010 |
|
|
|
*APR refers to the annual percentage rate or the
dividend rate.
**APY refers to the annual percentage yield. |
|
LOANS |
|
|
|
Description |
Term |
Payment
per $1000 borrowed |
APR* |
APR Type |
|
|
|
2008 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
2 Years |
$43.42 Monthly |
3.99% |
Fixed |
|
|
|
2008 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
3 Years |
$29.74 Monthly |
4.49% |
Fixed |
|
|
|
2008 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
4 Years |
$22.91 Monthly |
4.74% |
Fixed |
|
|
|
2008 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
5 Years |
$18.87 Monthly |
4.99% |
Fixed |
|
|
|
2008 & Newer Autos, Boats, RVs,
Cycles, ATV's, Snowmobiles, Campers
|
6 Years |
$16.57 Monthly |
5.99% |
Fixed |
|
|
|
2008 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
7 Years |
$15.09 Monthly |
6.99% |
Fixed |
|
|
|
2004 - 2007 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
2 Years |
$43.65 Monthly |
4.49% |
Fixed |
|
|
|
2004 - 2007 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
3 Years |
$29.97 Monthly |
4.99% |
Fixed |
|
|
|
2004 - 2007 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
4 Years |
$23.14 Monthly |
5.24% |
Fixed |
|
|
|
2004 - 2007 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
5 Years |
$19.10 Monthly |
5.49% |
Fixed |
|
|
|
2004 - 2007 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
6 Years |
$16.81 Monthly |
6.49% |
Fixed |
|
|
|
2001 - 2003 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers |
2 Years |
$44.45 Monthly |
6.29% |
Fixed |
|
|
|
2001 - 2003 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
3 Years |
$30.71 Monthly |
6.64% |
Fixed |
|
|
|
2001 - 2003 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
4 Years |
$23.94 Monthly |
6.99% |
Fixed |
|
|
|
2001 - 2003 Autos, Boats, RVs, Cycles,
ATV's, Snowmobiles, Campers |
5 Years |
$19.96 Monthly |
7.34% |
Fixed |
|
|
|
2000 & Older Autos, Boats, RVs, Campers, Cycles,
ATV's, Snowmobiles |
2 Years |
$45.22 Monthly |
7.99% |
Fixed |
|
|
|
2000 & Older Autos, Boats, RVs, Campers, Cycles,
ATV's, Snowmobiles |
3 Years |
$31.79 Monthly |
8.99% |
Fixed |
|
|
|
2000 & Older Autos, Boats, RVs, Campers, Cycles,
ATV's, Snowmobiles |
4 Years |
$25.36 Monthly |
9.99% |
Fixed |
|
|
|
Secured Loans over $1,000 |
2 Years |
$48.01 Monthly |
13.98% |
Fixed |
|
|
|
Secured Loans over $1,000 |
3 Years |
$34.18 Monthly |
13.98% |
Fixed |
|
|
|
Secured Loans over $1,000 |
4 Years |
$27.83 Monthly |
14.98% |
Fixed |
|
|
|
Loans under $1,000 |
2 Years |
$49.41 Monthly |
16.90% |
Fixed |
|
|
|
Loans under $1,000 |
3 Years |
$35.61 Monthly |
16.90% |
Fixed |
|
|
|
Loans under $1,000 |
4 Years |
$28.81 Monthly |
16.90% |
Fixed |
|
|
|
Net Worth Signature Loans |
2 Years |
$45.67 Monthly |
8.98% |
Fixed |
|
|
|
Net Worth Signature Loans |
3 Years |
$32.25 Monthly |
9.98% |
Fixed |
|
|
|
Net Worth Signature Loans |
4 Years |
$25.83 Monthly |
10.98% |
Fixed |
|
|
|
Unsecured Loans |
2 Years |
$48.97 Monthly |
15.98% |
Fixed |
|
|
|
Unsecured Loans |
3 Years |
$35.16 Monthly |
15.98% |
Fixed |
|
|
|
Unsecured Loan |
4 Years |
$28.34 Monthly |
15.98% |
Fixed |
|
|
|
Share Secured Loan |
2.00% over deposit rate (Maximum Term
= 2 years) |
| |
|
1st Mortgage
Real Estate - In
House |
|
Please call
Julie, Jodi or
Lisa for
current rates,
products &
specials
(608-323-2126) |
|
|
|
|
|
2nd Mortgage
Real Estate - In
House |
|
Please call
Julie, Jodi or
Lisa for
current rates,
products &
specials
(608-323-2126) |
|
|
|
|
|
| Real
Estate Loans - Secondary Market |
|
First Mortgage Fixed Rate |
|
Rate
subject to change daily |
|
|
|
Please
call Lisa for these rates (608-323-2126) |
|
|
| 15-20-30
Year Fixed Rates |
| 5%
minimum equity |
|
|
|
| REAP
(Home Equity Line of Credit) |
|
|
|
|
|
First
& Second Mortgage REAPs |
3.240% |
3.240% |
|
|
$50.00 minimum |
| Line up
to $150,000.00 |
|
|
|
|
1.75% per $1,000 |
| Rate =
.01 less than prime rate |
| Rate
changes January 1st and July 1st |
|
|
|
| Home
Construction |
|
|
|
|
|
|
Fixed Rate |
3.990% |
3.990% |
6 months |
6 |
Interest Only |
| 10-20%
equity required |
| No
Points |
|
|
|
|
Mobile Homes |
|
|
|
|
|
|
Please
call Julie, Jodi or Lisa for current rates, products & specials
- (608-323-2126) |
|
|
|
|
|
|
Commerical - Agricultural Real Estate Loans |
|
Please call Julie or
Jodi for current
rates, products & specials - (608-323-2126) |
|
|
|
|
|
|
Monthly payments do not include amounts for
taxes and insurance premiums. |
|
Equity refers to the percentage of the real
estate that you own. |
|
If you are making a purchase of real estate,
replace the word equity with down payment. |
|
For REAP (Home Equity) loans, please also refer
to the handout labeled "Important Terms of Arcadia Credit Union Home Equity
Line of Credit". |
|
|
SHARE CERTIFICATE OF
DEPOSIT (CD'S) |
|
|
|
Minimum Deposit |
Term |
Dividend Rates |
**APY |
|
|
$500.00 |
3 Years |
1.69% |
1.70% |
|
|
$500.00 |
2 Years |
1.59% |
1.60% |
|
|
$500.00
|
18 Months |
1.49% |
1.50% |
|
|
$500.00 |
1 Year |
1.30% |
1.30% |
|
|
$20,000.00 |
1 Year |
1.50% |
1.50% |
|
|
$5,000.00 |
1 Year (Monthly Dividends) |
1.29% |
1.30% |
|
|
$250.00 |
9 Months (Add on CD) |
1.19% |
1.20% |
|
|
$500.00 |
6 Months |
1.10% |
1.10% |
|
|
$500.00 |
3 Months |
1.00% |
1.00% |
|
|
Members should call the credit union to verify rates. NOTE: Early withdrawal from a CD will be subject
to a 90 day dividend penalty. [penalty for 3 month CD = 30 day] |
|
SAVINGS/SHARE RATES |
|
|
|
|
Description |
Minimum Deposit |
Dividend Rates |
**APY |
|
|
|
Regular Share |
$25.00 |
.50% |
.50% |
|
|
|
Fun
Share (Dreamsaver Account) |
$25.00 |
1.00% |
1.00% |
|
|
|
Super
Share |
$25.00
- $2,000.00 |
.50% |
.50% |
|
|
|
Super
Share |
$2,000.01 - $10,000.00 |
.50% |
.50% |
|
|
|
Super
Share |
$10,000.01 - $40,000.00 |
.75% |
.75% |
|
|
|
Super
Share |
$40,000.01 and up |
1.00% |
1.00% |
|
|
|
Special Purpose Share |
$25.00
- $2,000.00 |
.75% |
.75% |
|
|
|
Special Purpose Share |
$2,000.01 - $10,000.00 |
1.00% |
1.00% |
|
|
|
Special Purpose Share |
$10,000.01 - $40,000.00 |
1.14% |
1.15% |
|
|
|
Special Purpose Share |
$40,000.01 and up |
1.29% |
1.30% |
|
|
|
Christmas Club Share |
$5.00 |
2.96% |
3.00% |
|
|
|
Members should call the credit union
to verify rates. Contact us to find
out if there are any fees on these
accounts that could reduce your
earnings. |
|
IRA'S |
|
|
|
Description |
Minimum Deposit |
Term |
Dividend Rates
|
**APY |
|
|
IRA
Share(Traditional, Roth, Roth Conversion, Coverdell) |
$25.00 |
N/A |
1.69% |
1.70% |
|
|
Share Certificate - IRA (Traditional, Roth,
Coverdell) |
$2,000.00 |
1 Year |
1.50%
|
1.50% |
|
| Members
should call the credit union to verify rates. NOTE: Early
withdrawal from certificates will be subject to a 90 day dividend
penalty. Contact us to find out if there are any fees on these accounts
that could reduce your earnings. |
|
SHARE DRAFT (CHECKING) |
| |
|
Description |
Minimum Deposit |
Dividend Rates |
**APY |
| Checking |
$.01 - $2,000.00 |
.25% |
.25% |
|
| Checking |
$2,000.01 - $10,000.00 |
.50% |
.50% |
|
| Checking |
$10,000.01 - $40,000.00 |
.75% |
.75% |
|
| Checking |
$40,000.01 and up |
1.00% |
1.00% |
|
|
HSA
(HEALTH SAVINGS ACCOUNT) |
| |
| Description |
Dividend Compounded |
Dividend Added to
Account |
Minimum Deposit to
earn dividend |
Current
Rate |
APY |
|
| Health Savings Account |
Daily |
Monthly |
$25.00 and up |
1.49% |
1.50% |
|
| Members
should call the credit union to verify rates. Contact us to
find out if there are any fees on these accounts that could reduce your
earnings. |
|
|
|
|
|
