RATES
Share (Savings) Accounts
Rate declared 12/18/2009 for quarter end 12/31/2009
Dividends on regular share accounts are calculated based on average daily balances of $100.00 or more.
Rates are variable and are declared quarterly based on available earnings.
Regular Share and Special Use Share Accounts: .50% APY .50%
Money Market Accounts
Rate declared 01/20/2010 for month end 01/31/2010
Dividends on money market accounts are calculated on average daily balances of 2500.00 or more. Rates are variable and are declared monthly based on available earnings. A maximum of three (3) withdrawals are allowed per month. Each withdrawal after the third will include a $10 fee. A $10 fee will be assessed to balances that fall below $2500.00. Next rate period will end 02/28/2010.
Money Market Accounts:
Balances from $2,500.00 - 9,999.99 APY 0.55%
Balances from $10,000.00 -$19,999.99 APY 0.70%
Balances from $20,000.00 - $49,999.99 APY 0.85%
Balances from $50,000.00 - $999,999.99 APY 1.01%
Term Share Accounts
The term share rates shown below are effective 12/31/2009. Term share accounts carry a substantial penalty for early withdrawal.
Term Share Account |
MINIMUM BALANCE $500.00 |
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| Term |
Dividend Rate |
APY |
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| 3 Months |
0.50% |
0.50% |
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| 6 Months |
0.50% |
0.50% |
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| 12 Months |
1.25% |
1.26% |
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| 18 Months |
1.50% |
1.51% |
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| 24 Months |
1.50% |
1.51% |
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| Need an in between? Give us a call for in between cd rates. |
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| Term Share Account |
MINIMUM BALANCE $20,000.00 |
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| Term |
Dividend Rate |
APY |
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| 3 Months |
0.50% |
0.50% |
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| 6 Months |
1.05% |
1.05% |
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| 12 Months |
1.65% |
1.66% |
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| 18 Months |
1.75% |
1.76% |
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| 24 Months |
1.95% |
1.96% |
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| Term Share Account |
MINIMUM BALANCE
$50,000.00 |
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| Term |
Dividend Rate |
APY |
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| 3 Months |
0.50% |
0.50% |
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| 6 Months |
1.15% |
1.15% |
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| 12 Months |
1.75% |
1.76% |
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18 Months |
1.80% |
1.81% |
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| 24 Months |
2.00% |
2.02% |
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| LOAN RATES |
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| Vehicle Loans |
Maximum loan $35,000.00 |
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| Term |
% Rate |
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| 36 Months |
Rates as low as 4.49%* APR |
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| 48 Months |
Rates as low as 4.49%* APR |
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| 60 Months |
Rates as low as 5.00%* APR |
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| 72 Months |
Rates as low as 6.49%* APR |
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| 84 Months |
Rates as low as 6.49%* APR |
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| * Some Restrictions may apply. Rate disclosed is the best available rate including all member discounts. Additional special discounts will reduce these rates further. Call us for details at 716-681-1460. |
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Boats or Recreational Vehicles Same as Vehicle Loans |
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Signature Loans Maximum Loan $10,000.00 per individual
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| Term |
% Rate |
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| 12 Months |
Rates as Low as 7.45% APR |
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| 24 Months |
Rates as Low as 8.45% APR |
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| 36 Months |
Rates as Low as10.45% APR |
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| 48 Months |
Rates as Low as 10.95% APR |
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| 60 Months |
Rates as Low as 10.95% APR
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Share Secured Loans (funds on deposit used as collateral) |
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| Share |
60 Months |
3.50% APR |
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| Term Share |
60 Months with balloon at maturity |
3.00%+ term share account rate |
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Home Equity Loan |
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| Term |
% Rate |
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| 60 Months |
6.50% APR |
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| 96 Months |
6.99% APR |
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| 120 Months |
7.50% APR |
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Closing Costs May Be Covered By The Credit Union.* See the laon officer for details. |
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Home Equity Line of Credit: Call for more information |
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We have a variety of Mortgage offerings. Call for more information |
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Overdraft Line of Credit Maximum line $1,000.00 |
Open end 14.00% APR |
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All rates are subject to change without notice. Mortgage and Home Equity rates may change weekly.
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Borrowers must meet underwriting standards of the credit union to qualify for loans. |
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