Share Dividend Rates l Loan Rates
|
Share and Loan Rates are current as of February 1st, 2012.
|
|
Every effort had been made to present this information accurately.
|
|
Rates are subject to change without notice.
|
| |
|
Shares
|
Min. Deposit
|
Dividend Rate
|
APY*
|
| Regular Shares (S1) |
$5.00
|
0.25%
|
0.25%
|
| Holiday Shares (S2) |
$0.00
|
0.10%
|
0.10%
|
| Vacation Shares (S3) |
$0.00
|
0.10%
|
0.10%
|
| Share Draft/Checking (S4) |
$0.00
|
0.02%
|
0.02%
|
| IRA (S5) |
$0.00
|
0.50%
|
0.50%
|
| Alternate Shares (S6) |
$0.00
|
0.10%
|
0.10%
|
| Statement Savings (S7) |
$0.00
|
0.25%
|
0.25%
|
| Super Saver (S8) |
$0.00
|
0.25%
|
0.25%
|
| Roth Contributory IRA (S10) |
$0.00
|
0.50%
|
0.50%
|
| Roth Conversion IRA (S20) |
$0.00
|
0.50%
|
0.50%
|
| |
|
|
|
|
Certificates (Regular and IRA)
|
Min. Deposit
|
Dividend Rate
|
APY*
|
| 3 Months |
$500.00
|
0.30%
|
0.30%
|
| 6 Months |
$500.00
|
0.45%
|
0.45%
|
| 12 Months |
$500.00
|
0.70%
|
0.70%
|
| 24 Months |
$500.00
|
0.90%
|
0.90%
|
| 36 Months |
$500.00
|
1.14%
|
1.15%
|
| 60 Months |
$500.00
|
1.88%
|
1.90%
|
| |
|
|
|
|
Money Market
|
Tier
|
Dividend Rate
|
APY*
|
| $0 to $2,499.99 |
1st
|
0.00%
|
0.00%
|
| $2,500.00 to $9,999.99 |
2nd
|
0.30%
|
0.30%
|
| $10,000 to $24,999.99 |
3rd
|
0.35%
|
0.35%
|
| $25,000.00 to $49,999.99 |
4th
|
0.50%
|
0.50%
|
| $50,000.00 + |
5th
|
0.70%
|
0.70%
|
| |
|
|
|
|
* APY = Annual Percentage Yield
- Share dividends are credited to your account monthly.
- Share Certificates are term accounts and a penalty will or may be imposed for early withdrawal.
- Fees could reduce earnings on the account (only applies if maintenance or activity fees are associated with the account).
- Money Market APY is subject to change weekly, share and certificate APY is subject to change monthly.
- Money market dividends: Day of deposit to the day of withdrawal. Dividends are calculated on actual daily balances. If the daily balance falls below $2,500, no dividends are earned until the daily balance reaches $2,500. Dividends are compounded daily and paid monthly into Money Market Shares. Once the particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.
|
| |
| |
|
Loans
|
APR**
|
Term
|
Payments based on $1000 borrowed
|
|
Fixed Rate Home Equity***
|
|
|
|
| Fixed Rate Home Equity |
4.00
|
36
|
$29.53 |
| Fixed Rate Home Equity |
4.25
|
60 |
$18.53 |
| Fixed Rate Home Equity |
4.75
|
120 |
$10.49 |
| Fixed Rate Home Equity |
5.00
|
180 |
$7.91 |
| Fixed Rate Home Equity |
6.00
|
240 |
$7.17 |
| |
|
|
|
|
(rates based on $5,000 minimum; .25% higher rate for Home Equity loans between $2,500 and $4,999 or LVECU Home Equity loans refinanced with no new money)
|
| |
|
|
|
|
Home Equity Line of Credit***
|
|
|
|
| - $5000-$200,000 |
4.00
|
120 |
$10.11 |
| 6 month Intro Rate = prime - 2.50% |
|
|
|
| Regular Rate = prime - 1.50% |
|
|
|
| Rate floor = 4.00% |
|
|
|
| |
|
|
|
| New/Used Car Purchase*** |
|
|
|
| New/Used Car Purchase - Up to $60,000.00 |
3.25
|
36 |
$29.20 |
| New/Used Car Purchase - Up to $60,000.00 |
3.49
|
48 |
$22.36 |
| New/Used Car Purchase - Up to $60,000.00 |
3.75
|
60 |
$18.31 |
|
New/Used Car Purchase - Up to $60,000.00
|
4.75
|
72 |
$15.99 |
| New/Used Car Purchase - Up to $60,000.00 |
5.75
|
84 |
$14.49 |
| |
|
|
|
| Personal Line of Credit*** |
|
|
|
| - Up to $10,000 |
|
|
|
| rate = prime + 7% (changes monthly) |
10.25
|
- |
$-
|
| |
|
|
|
| Unsecured Personal*** |
|
|
|
| Unsecured Personal - Up to $20,000 |
8.75
|
36 |
$31.61 |
| Unsecured Personal - Up to $20,000 |
9.00
|
48 |
$24.89 |
| Unsecured Personal - Up to $20,000 |
9.25
|
60 |
$20.89
|
| Unsecured Personal - Up to $20,000 |
12.69
|
72 |
$19.92 |
| Unsecured Personal - Up to $20,000 |
13.39
|
84
|
$18.41
|
| |
|
|
|
| Seasonal Loan*** |
4.99
|
12 |
$85.60
|
| |
|
|
|
| Share Secured - 100% of Share Value*** |
3.30
|
<60
|
$18.11
|
| |
3.80
|
61-120 |
$10.04 |
| |
|
|
|
| Credit Card Programs (Max $25,000.00) |
|
|
|
| VISA® Platinum Credit Card |
|
|
|
| 1.00% cash back |
12.90
|
- |
$- |
| VISA® Prestige Credit Card |
|
|
|
| Variable rate = prime + 3% |
|
|
|
| (changes quarterly) |
6.25
|
- |
$- |
| |
|
|
|
|
*Rates are determined by an evaluation of the applicant's credit and your actual rate may vary.
**APR = Annual Percentage Rate
***Other important information:
- APR may vary on all our Line of Credit Loans
- The maximum APR for a variable rate plan is 18%
- The minimum loan amount accepted for application is $500.00
- The premium for credit disability insurance may be added to the approved value of the loan if a member wishes to purchase the insurance.
- New and Used vehicle loans purchased through a dealer are limited to sales price plus tax.
- Used vehicles purchased privately can be financed for 100% of the private sale value, in good condition, as per Kelley Blue Book website.
- Home Equity loans are limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties. Loans are limited to real estate located in the following counties: Berks, Bucks, Carbon, Lehigh, Montgomery, Northampton, and Schuylkill.
- Home Equity Fixed and Line of Credit requires a $50.00 application fee. (Non-Refundable)
Go To Loan Application | Go To Calculators | Back to Top
CUNA Calculators
|
|
