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Loan Rates
Rates as of 5/10/07
Loan Account Type |
APR Starting at: |
APR
Up To: |
New Auto |
5.99% |
17.99% |
Used Auto |
6.49% |
17.99% |
New Boats |
5.99% |
17.99% |
Used Boats |
6.49% |
17.99% |
New Farm Equipment |
10.99% |
17.99% |
Used Farm Equipment |
11.49% |
17.99% |
Computers (up to 24 mo. term) |
9.99% |
17.75% |
|
Signature
|
9.99% |
18.00% |
Share-Secured (variable) |
3% over Prime Share |
MasterCard |
9.99% |
16.99% |
APR=Annual Percentage Rate
Real Estate Rates
Real-Estate Type |
Note Rate
starting at: |
First Mortgage (Short Term) |
5.65% |
First Mortgage (Long Term) |
5.75% |
Second Mortgage (Short Term) |
6.65% |
Second Mortgage (Long Term) |
6.75% |
Home Equity LOC |
(variable, prime+1%) |
Unimproved Property |
(variable, prime+2%) |
Certain fees and conditions may apply to the above real-estate loan types.
Rate is locked in for 30 days when CU received completed application.
For complete details please call the loan department at (901) 521-4646, or (800) 462-7777.
Share Account Rates
Rates as of 3/31/08
Share Accounts* |
APY |
Regular Shares |
1.50% |
Custom Shares |
1.50% |
Holiday Club |
1.50% |
Vacation Club |
1.50% |
Accumulation IRA |
1.50% |
Sharedraft/Checking |
No dividends paid on sharedraft accounts |
APY=Annual Percentage Yield
*Dividend rates on regular shares, custom shares,
and Club accounts are determined at the end of the quarter
and are subject to change.
Share Certificate and
IRA Share Certificate Rates
Rates effective 8/13/08 to 8/19/08
Term of Certificate |
Minimum Balance |
Dividend Rate |
APY |
6 Months |
$1,000.00 |
3.572% |
3.620% |
12/18/24 Months |
$1,000.00 |
3.825% |
3.888% |
30/36/42 Months |
$1,000.00 |
4.232% |
4.300% |
60 Months |
$1,000.00 |
4.474% |
4.550% |
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For certificates purchased through 8/19/08. |
APY=Annual Percentage Yield
Penalty for Early Maturity of a Certificate:
Terms through 6 months: 30 days interest on amount withdrawn.
Terms 12 months through 24 months: 90 days interest on amount withdrawn. Terms over 24 months: 180 days interest on amount withdrawn. There is no difference in the penalty for an IRA or REG share
certificate. If the penalty is more than the accrued dividends, it will come from the principal of the certificate.
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