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Current Rates
The following rates of interest on loans are effective as of:
May 12, 2008
|
| New Cars: 2006-2008 |
APR |
Payment Per Thousand
(Based on Longest Term) |
Up to 36 Months
(WITH direct payroll payment) |
4.75% |
29.86 |
37 Months to 60 Months
(WITH direct payroll payment) |
4.99% |
18.87 |
Up to 60 Months
(WITHOUT direct payroll payment) |
5.50% |
19.11 |
61 Months to 72 Months
|
6.00% |
16.58 |
| Used Cars: 2002-2005 |
APR |
Payment Per Thousand
(Based on Longest Term) |
| Up to 60 Months |
5.99% |
19.34 |
| Used Cars: 2000-2001 |
APR |
Payment Per Thousand
(Based on Longest Term) |
| Up to 60 Months |
6.25% |
19.46 |
| Personal Loans |
APR |
Payment Per Thousand
(Based on Longest Term) |
| Up to $2,000 Special 1 Year Loan |
6.00% |
86.09 |
| $5,000 Up to 36 Months |
11.75% |
33.11 |
| $5,000 to $8,000 Up to 48 Mo. |
13.75% |
27.22 |
| $8,001 to $10,000 Up to 48 Mo. |
15.75% |
28.23 |
| Secured Loans |
APR |
Payment Per Thousand
(Based on Longest Term) |
Shares in this Credit Union, with Monthly payments,
Up to 60 Months: |
5.00%
No Insurance |
18.87 |
| Home Equity Loans |
APR |
Payment Per Thousand
(Based on Longest Term) |
| $50,000 Up to 60 Mo. |
6.00% |
19.34 |
| $50,000 61 Mo. to 120 Mo. |
6.50% |
11.36 |
| Recreational Loans |
APR |
Payment Per Thousand
(Based on Longest Term) |
| Max. $40,000 NEW - Up to 84 Mo. |
7.25% |
15.22 |
| Max. $40,000 USED - Up to 84 Mo. |
7.75% |
15.47 |
Notice:
As of May 12, 2008, we are paying 1.25% dividend rate on shares for an APY of 1.26%, minimum deposit of $100.00 is required. Vacation/Christmas Clubs and Checking Accounts are paying .50% APY. Interest is computed daily, payable monthly. We will be offering a variable rate of interest on share accounts, based on economic and market conditions.
|
| CDs | |
| 90 days |
Please call the Credit Union for our most current CD rates.
We can be reached at (978) 453-2734. |
| 6 months |
| 12 months |
| 18 months |
| 12 months |
'For Kids Only' CD's. Minimum deposit of $250.00. |
| 18 months |
| PREFERRED RATES ON CDs |
We are pleased to offer the following preferred rates of return for CD deposits meeting the following criteria:
- Deposits over $100,000 will receive an additional .25% APY
- Deposits over $150,000 will receive an additional .50% APY
APY = Annual Percentage Yield. Preferred rate incentive added onto your CDs existing APY increasing that APY by the preferred rate incentive percentage. |
Please Note: CD Rates are subject to change without notice.
A penalty will/or may be imposed for early withdrawal.
Please contact the Credit Union today for the most current rates.
*APY - Annual Percentage Yield
Ron Bouchard, Treasurer
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