Dividend Bearing Accounts
|
| Product Name |
Annual Percentage Yield (APY) |
Minimum
Open Balance |
Maximum Accumulated Balance |
 |
| Share Account |
3.85% |
$5 |
$80,000 |
| Second Share Account |
3.85% |
$5 |
|
| Debit Card |
3.85% |
$5 |
|
| Children's Accounts |
3.85% |
$5 |
$40,000 |
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| Loan Type |
Annual Percentage Rate (APR) |
Term |
Description of Loan |
|
| Share Secured |
4.20% |
|
Borrow against money you leave in your Share Account |
| Fully Secured |
4.99% |
5 yr. max.
|
 |
New vehicles/boats/RV's @ 80% of Purch. Price only, OR
Used vehicles/boats/RV's @ N.A.D.A. Loan Value only. |
100% Financed
|
5.50%
|
5 yr. max.
|
|
New vehicles/boats/RV's @ 100% of Purch. Price + Tax + License + GAP + Ext.
Warranty, OR
Used vehicles @ NADA Retail Value + Tax + License + Ext. Warranty + GAP, OR
Motorcycles with values of $7,000 or more.
|
| Fully Secured |
5.50% |
10 yr. Max. |
|
With 5 year Call Option.
New vehicles/boats/RV's @ 80% of Purch. Price only, OR
Used vehicles/boats/RV's @ N.A.D.A. Loan Value only. |
| 100% Financed |
5.75% |
10 yr. Max |
|
With 5 year Call Option.
New vehicles/boats/RV's @ 100% of Purch. Price + Tax + License + Ext. Warranty
+ GAP, OR
Used vehicles @ N.A.D.A. Retail Value + Tax + License + Ext. Warranty + GAP |
| Fully Secured |
5.50% |
15 yr. Max |
|
$30,000 minimum with 5 and 10 year Call Options.
New vehicles/boats/RV's @ 80% of Purch. Price only, OR
Used vehicles/boats/RV's @ N.A.D.A. Loan Value only. |
| 100% Financed |
5.75% |
15 yr. Max |
|
$30,000 minimum with 5 and 10 year Call Options.
New vehicles/boats/RV's @ 90% of Purch. Price only, OR
Used vehicles @ N.A.D.A. Retail Value + Tax + License |
| |
9.50% New
9.90% Used
|
5 yr. Max |
|
Jet-skis, Snowmobiles, Motorcycles
New @ 90% of Purch. Price
Used @ NADA Loan Value
|
| |
9.90% |
|
|
Signature/ Unsecured Loans
Up to 3 times your gross monthly salary (depending on debt ratio, credit
history & length of employment) |
| 1st Mortgages |
5.85%
|
15 yr.
|
|
"5-10" Rate
First 5 yrs. are fixed rate, 6th year on is adjustable
rate.
Loan Max. for $50,000 or less = 75% of Tax Assessment, OR
Loan max. above $50,000 = 80% of Appraised Value
Costs to Buyer:
Credit Rpt. Recording
Fees Title Ins.
Appraisal Closing
Atty. Fees FEMA |
| |
Contact Credit Union for Current Rate
|
15 yr. |
|
Adjustable Rate - Based on 1.5% over 1 yr. T-bill
Rate changes yearly (2% max. up or down)
Maximum rate change is 6% from starting rate
Loan Floor is 4%
Rate determined when Loan Application submitted to ACCU
Costs to Buyer:
Credit Rpt. Recording
Fees Title Ins.
Appraisal Closing
Atty. Fees FEMA |
| |
6.25% |
30 yr. |
|
10 Year fixed
Years 11-20 fixed or variable
Years 21-30 fixed or variable
Call for Details |
| 2nd Mortgages |
6.25% |
15 yr. |
|
"5-10" Rate
First 5 yrs. are fixed rate, 6th year on is adjustable
rate.
Loan Max. for $50,000 or less = 75% of Tax Assessment, OR
Loan max. above $50,000 = 80% of Appraised Value
Costs to Buyer:
Appraisal Title
Insurance Recording Fees FEMA
Cr. Report |
| |
6.25% |
7.5 yr. |
|
Fixed Rate
Loan Max. for $50,000 or less = 75% of Tax Assessment, OR
Loan max. above $50,000 = 80% of Appraised Value
Costs to Buyer:
Appraisal Title
Insurance Recording Fees FEMA
Cr. Report
|
|
| |
5.85% |
15 yr. |
|
*** Special Rate ***
For Members who currently have 1st mortgage loans with
the ACCU.
"5-10" Rate
First 5 yrs. are fixed rate, 6th year on is adjustable
rate. |
| |
5.85% |
7.5 yrs. |
|
*** Special Rate ***
Fixed Rate - For Members who currently have 1st mortgage loans with the
ACCU.
|
