|
Rates effective as of 07/23/10
| Loans |
Term
|
APR*
|
| New Auto Loans (purchase price minimum of $20,000) |
Up to 72 mos.
|
As low as 4.99%
|
|
Used Auto Loans
|
Up to 72 mos.
|
As low as 5.24%
|
|
5 Yr. Fixed Rate Home Equity Loan
|
5 Yr.
|
4.250%
|
|
7 Yr. Fixed Rate Home Equity Loan
|
7 Yr.
|
4.500%
|
|
10 Yr. Fixed Rate Home Equity Loan
|
10 Yr.
|
4.750%
|
|
Home Equity Variable Rate Line of Credit
|
|
4.375%
|
|
15 Yr. 1st Mortgage Rate
|
15 Yr.
|
3.875%
|
| 30 Yr. 1st Mortgage Rate |
30 Yr.
|
4.375%
|
| Unsecured Loan |
|
As low as 13.50%
|
| Share/Secured Loan |
|
See Loan Officer
|
| Sharedraft/Overdraft Line of Credit |
|
13.9%
|
| Advantage Line of Credit |
|
See Loan Officer
|
| Recreational Loan |
|
See Loan Officer
|
| Holiday Loan (Available October 1st-December 24th each year) |
|
See Loan Officer
|
*APR = Annual Percentage Rate
Rates subject to change, certain restrictions apply, please contact us for details
Autos
Payment example: pay $18.87 per month for 60 months per every $1,000.00 borrowed at 4.99%APR.
Payment example: pay $16.10 per month for 72 months per every $1,000.00 borrowed at 4.99%APR.
Fixed Rate Closed End Home Equity Loan
Payment example: pay $10.80 per month for 120 months per every $1,000.00 borrowed at 5.375%APR.
Variable Rate Home Equity Line of Credit
Payment example: pay $18.59 per month for 60 months per every $1,000.00 borrowed at 4.375%APR
(60 months to borrow money, 120 months to pay back)
Mortgages
Payment example: pay $5.53 per month for 360 months per every $1,000.00 borrowed at 5.325%APR
Personal Loans: Overdraft Protection Line of Credit
Minimum of $35.00 for any payment on an L9 loan.
| Savings |
Minimum Balance
|
APY*
|
Dividend Rate
|
Dividends Compounded, DividendsCredited, Dividend Period
|
Balance Method to earn APY*
|
|
Platinum Share Investment Account
|
$25.00
|
0.35%
|
0.35%
|
Quarterly
|
$300.00 Daily Balance
|
|
Kirby Kangaroo Share Investment Account
|
$25.00
|
0.35%
|
0.35%
|
Quarterly
|
$300.00 Daily Balance
|
|
Holiday Account
|
$25.00
|
0.50%
|
0.50%
|
Quarterly
|
$300.00 Daily Balance
|
|
Individual Retirement Account (IRA)
|
$25.00
|
0.50%
|
0.50%
|
Quarterly
|
Average Daily Balance
|
|
Investment Access (Money Market Account)
|
$2,000.00-$9,999.00
|
0.45%
|
0.45%
|
Weekly
|
$2,000.00 Daily Balance
|
| Investment Access (Money Market Account) |
$10,000.00 + |
0.55% |
0.55% |
Weekly |
$2,000.00 Daily Balance |
|
Checking
|
Minimum Balance
|
APY*
|
Dividend Rate
|
Balance Method to earn APY*
|
| Command Advantage (Sharedraft/Checking) |
$0.00
|
0.10%
|
0.10%
|
$500.00 Daily Balance
|
| Advantage (Sharedraft/Checking) |
$200.00
|
0.00%
|
0.00%
|
Average Daily Balance
|
*APY = Annual Percentage Yield
-the APY may change after the account is opened, rates are subject to change
-maintenance and activity fees could reduce or eliminate earnings on the account, for complete details, please refer to our fees page
| Certificates |
Minimum Opening/Required Balance
|
APY*
|
Dividend/ Interest Rate
|
Dividends Compounded, DividendsCredited, Dividend Period
|
Balance Method |
| 12 Month |
$1,000.00
|
1.01% |
1.00% |
Monthly |
|
|
24 Month
|
$500.00
|
1.16%
|
1.15%
|
Monthly
|
Average
|
| 24 Month |
$5000.00 |
1.66% |
1.65% |
Monthly |
|
|
36 Month
|
$5,000.00
|
1.81%
|
1.80%
|
Monthly
|
|
|
48 Month
|
$5,000.00
|
1.97%
|
1.95%
|
Monthly
|
Daily
|
|
60 Month
|
$5,000.00
|
2.12%
|
2.10%
|
Monthly
|
|
| |
|
|
|
|
|
| 24 Month |
$10,000.00
|
1.92%
|
1.90%
|
Monthly
|
|
| 36 Month |
$10,000.00
|
2.07%
|
2.05%
|
Monthly
|
|
| 48 Month |
$10,000.00
|
2.22%
|
2.20%
|
Monthly
|
|
| 60 Month |
$10,000.00
|
2.38%
|
2.35%
|
Monthly
|
|
| |
|
|
|
|
|
| 24 Month |
$25,000.00
|
2.17%
|
2.15%
|
Monthly
|
|
| 36 Month |
$25,000.00
|
2.32%
|
2.30%
|
Monthly
|
|
| 48 Month |
$25,000.00
|
2.48%
|
2.45%
|
Monthly
|
|
| 60 Month |
$25,000.00
|
2.63%
|
2.60%
|
Monthly
|
|
*APY = Annual Percentage Yield
Personal accounts only. Penalty for early withdraw. No public funds or brokered CDs required. NCUA insured deposits up to $250,000
There is a $100 daily minimum balance required to obtain the disclosed Annual Percentage Yield as disclosed in the “Appendix to Disclosure” for the Gold and Platinum Share Accounts. The Dividend Rate and APY may change at any time at the discretion of the Board of Directors of the First Class Credit Union. Time Savers Certificates may be purchased in $100.00 increments for members who are 16 years of age or younger. Penalty may be imposed with early withdrawal. Members are allowed to make up to 4 withdrawals per month from Investment Access Accounts at no charge. For the 5th and all subsequent withdrawls in a one month period, there is a $10.00 penalty per withdrawl.
RATES SUBJECT TO CHANGE, CERTAIN RESTRICTIONS APPLY
Click here for our Fee Schedule!
Click here for All Loan Rates!
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