|
|
LOAN AND SAVINGS RATES
| Unless otherwise noted, Annual Percentage Yields (APY) and Annual Percentage Rates (APR) are as of December 1, 2006. Rates are subject to change without notice.
SEE THE GREAT SHARE CERTIFICATE RATES FOR OUR 1 YEAR AND 2 YEAR CERTIFICATES. THEY HAVE NEVER BEEN BETTER!!!! |
In honor of the 50th anniversary of the Clara Barton Federal Union, we are pleased to offer a special award to our membership, the Gold Credit Award! You may now receive a discount up to 2.00% off our regular lending rates for auto, recreational and signature loans.
To qualify, meet ALL of the following criteria:
- Credit history must indicate no more than one delinquent payment in the past 36 months.
- Collections, (other than medical) judgements, tax liens, or bankruptcy may not exist.
- Continuous employment over the previous three years.
- Monthly liabilities must not exceed 40% of monthly gross income.
- Total unsecured debts must not exceed 25% of gross annual earned income.
- Loan repayment must be through direct deposit.
Any Gold Credit Award loan that is over 30 days delinquent will lose the discount for the remainder of the loan term. |
Dividend Rates As of July 1, 2008
|
|
Regular
Shares
|
Christmas
Club
|
Vacation
Club
|
IRA
Share
|
|
Dividend
Rate
|
.75%
|
.75%
|
.75%
|
.75%
|
|
APY*
|
.75%
|
.75%
|
.75%
|
.75%
|
Certificate Account
|
Term
|
Dividend
Rate %
|
|
Fixed
APY %
|
|
6
month
|
.50%
|
.50%
|
|
1
year
|
3.75%
|
3.80%
|
|
2
year
|
4.00%
|
4.06%
|
|
3
year
|
1.50%
|
1.51%
|
|
5
year
|
2.00%
|
2.02%
|
IRA Certificate Account
|
Term
|
Dividend
Rate %
|
|
Fixed
APY %
|
|
6
month
|
.50%
|
.50%
|
|
1
year
|
3.75%
|
3.80%
|
|
2
year
|
4.00%
|
4.06%
|
|
3
year
|
1.50%
|
1.51%
|
|
5
year
|
2.00%
|
2.02%
|
Loan
Rates
|
Loan
Type
|
|
Gold
Credit APR
|
Regular
Rate
APR
|
Max
Term to Repay
|
Maximum
Amount
|
|
|
Signature
|
UP
TO
|
|
|
|
10.90%
|
12.90%
|
12Months
|
Up
to $7,500 – Gold Credit
|
|
|
11.90%
|
13.90%
|
24Months
|
|
|
|
12.90%
|
15.90%
|
36Months
|
Up
to $5,000 - Regular
|
|
|
13.90%
|
15.90%
|
48Months
|
|
|
|
New
passenger Vehicle
|
|
|
7.40%
|
8.90%
|
24Months
|
100
- 125% of MSRP***
(1/2% rate decrease for 90% financing)
*For
72 month financing the MSRP retail value must be in excess of $25,000.00
and the applicant’s Debt to Income Ratio will be 38% or lower.
|
|
|
8.40%
|
9.90%
|
36Months
|
|
|
8.90%
|
10.40%
|
48Months
|
|
|
9.40%
|
10.90%
|
60Months
|
|
|
10.40%
|
11.90%
|
72Months*
|
|
|
Used
passenger vehicle
Up to 7 years of age
|
|
|
8.40%
|
9.90%
|
24Months
|
100
- 125% of NADA Value***
(1/2% rate decrease for 90% financing)
***Any
New or Used Vehicle financed in excess of 100% of the MSRP or NADA value
will require a GAP policy be purchased.
|
|
|
8.90%
|
10.40%
|
36Months
|
|
|
9.40%
|
10.90%
|
48Months
|
|
|
10.40%
|
11.90%
|
60Months
|
|
|
New
recreational vehicle
|
|
|
7.40%
|
8.90%
|
48Months
|
Up to
100% of the NADA Used Recreational Vehicle Retail Value
|
|
|
8.40%
|
9.90%
|
60Months
if over $20,000
|
|
|
Used
recreational vehicle
Up to 7 years of age
|
|
|
11.40%
|
9.90%
|
60Months
|
Up
to 100% of MSRP
|
|
|
12.40%
|
10.90%
|
72Months
if over $30,000
|
|
|
Share
or Share Certificate Secured
|
|
|
3%
above dividend rate
|
Fixed
Rate
|
120Months
|
$100,000
Maximum
|
|
|
Overdraft
Protection
|
|
|
15.90%
|
Fixed
Rate
|
36Months
|
Up
to $7,500 – Gold Credit
Up to $5,000 -- Regular
|
|
|
VISA
classic credit card
|
|
|
11.90% cash advances
|
Fixed
Rate
|
Revolving
|
Up
to $7,500 – Gold Credit
Up
to $5,000 -- Regular
|
|
|
11.90% purchases
|
Fixed
Rate
|
|
|
|
APR = Annual Percentage Rate
MSRP = Manufacturer Suggested Retail Price
|
