| REGULAR SHARE SAVINGS ACCOUNTS |
| There is a minimum balance of $100.00 to receive a dividend on the regular share account. There is a membership fee of $1.00 to initially set up a new share account. $5.00 must remain in the account at all times to be a member. |
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| RANGE |
DIVIDEND RATE |
APY |
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| $0.00 to $99.99 |
0.00% |
0.00% |
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| $100.00 and over |
0.50% |
0.50% |
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CLUB ACCOUNTS
Chirstmas, Vacation, and Summer Payment Accounts
There is a minimum balance of $0.01 to receive a dividend on the club account. |
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| RANGE |
DIVIDEND RATE |
APY |
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| $0.01 and over |
0.50% |
0.50% |
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| SHARE DRAFT CHECKING ACCOUNT |
| The Credit Union is currently not paying a dividend on share draft checking accounts regardless of the balance. |
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| RANGE |
DIVIDEND RATE |
APY |
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| N/A |
N/A |
N/A |
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| *** Dividends are accrued daily and paid monthly, on the first day of the next month. If on any day your balance falls below the minimum balance you will not receive dividend for that day. If you close your account before the accrued dividend is paid you will not receive a dividend. |
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| TERM SHARE CERTIFICATE ACCOUNTS |
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| $500.00 MINIMUM |
DIVIDEND RATE |
APY |
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| 12 Months (1 Year) |
0.75% |
0.75% |
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| 24 Months (2 Years) |
1.00% |
1.00% |
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| 36 Months (3 Years) |
1.24% |
1.25% |
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| 48 Months (4 Years) |
1.49% |
1.50% |
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| 60 Months (5 Years) |
1.74% |
1.75% |
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Please note that the one year through five year term share certificates earn dividends, which are paid quarterly into the term share certificate. Early redemption penalty is the forfeiture equal to the smaller of the following two amounts: dividends since the date of issuance, or 90 days dividend per years of purchase. (Dividends are paid on the last day of March, June, September, December, and at maturity.) Certificates purchased now automatically renew at maturity unless otherwise notified.
** Dividends may be paid only from current income and accumulated earnings, after required transfers to reserves at the end of each dividend period, except in the case of term share certificate accounts where the dividend rate is fixed for the term account. The APY and APR applicable to an account may therefore change from time to time as determined by the Credit Union’s Board of Directors at its discretion.
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| TYPE OF LOAN |
TERM |
APR* |
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| AUTO (2007 & newer) |
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as low as 3.50% |
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| 100% of NADA plus taxes and fees |
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| NEW AUTO (2007 & newer) |
0 - 48 Months |
3.50% - 10.00% |
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49 - 60 Months |
3.75% - 10.25% |
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61 - 72 Months |
4.99% - 11.49% |
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| AUTO (2004 - 2006) |
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as low as 4.00% |
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| 100% of NADA plus taxes and fees |
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| USED AUTO (2004 - 2006) |
0 - 48 Months |
4.00% - 10.50% |
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49 - 60 Months |
4.25% - 10.75% |
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61 - 72 Months |
5.25% - 11.75% |
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| AUTO (2003 & older) |
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as low as 6.25% |
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| 100% of NADA plus taxes and fees |
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| USED AUTO (2003 & older) |
0 - 36 Months |
6.25% - 12.75% |
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37 - 60 Months |
6.75% - 13.25% |
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RECREATION VEHICLE (Anything that can be registered)
Borrowing less than $40,000.00 cannot exceed 6 years. Proof of insurance and title must be given to Credit Union. Will loan up to 90%.
ATV's, Snowmobiles, Dirt Bikes, Campers, Boats, RV's, Mobile Homes |
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| RECREATION VEHICLE |
up to 36 Months |
5.50% - 10.00% |
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up to 72 Months |
6.00% - 10.50% |
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up to 120 Months |
6.75% - 10.75% |
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| COLLATERAL LOAN |
up to 60 Months |
9.50% - 15.00% |
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| Any big purchase item that has a serial number, as long as a UCC form can be filed. |
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| SECURED LOAN |
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| Limited to the balance of shares being secured. |
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| FULLY SECURED BY SHARES |
up to 36 Months |
4.00% |
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up to 60 Months |
4.75% |
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| FULLY SECURED BY TERM SHARE CERTIFICATE |
up to 60 Months |
2.00% above Certificate rate |
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| FULLY SEUCRED BY SAVINGS AT ANOTHER INSTITUTION |
up to 60 Months |
13.50% |
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| UNSECURED LOAN (Signature, Co-Signer & Co-Applicant) |
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| Will loan up to 25% of provable gross income. Can be used for almost any purpose |
| (Signature - Must be employed in the same profession for one year and have a debt ratio no higher than 40%) |
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| UNSECURED LOAN |
up to 60 Months |
9.00% |
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| OVERDRAFT PROTECTION LOAN |
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| A line of credit which is added to your share draft account. |
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| To Qualify: |
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| 1.) Must have an excellent Credit History with the Credit Union |
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| 2.) Must have a good Credit History |
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| 3.) Debt ratio cannot exceed 50% |
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| 4.) Must have an expendable income of $1,000.00 per month for the maximum amount. |
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| $0.00 to $2,500.00 |
$50.00 payment |
Variable Rate Loan |
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| $2,500.01 to $3,000.00 |
$75.00 payment |
12.00% to 15.50% |
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| $3,000.01 to $4,000.00 |
$100.00 payment |
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| MORTGAGE RATES |
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| Please call the Credit Union at (716) 373-0155 for current mortgage rates and available terms. |
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| Purchase and Refinance Mortgage Money Available. |
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| Mini Equity Loans Available. |
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| ****** SEE HOME PAGE FOR CURRENT LOAN SPECIALS ****** |
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| **** OTHER RESTRICTIONS AND TERMS MAY APPLY |
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| *** ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE |
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