RATES

The following rates are effective June 12, 2008.

Share (Savings) Accounts

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: .75% APY .75%

Money Market Accounts

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 6/30/08.

Money Market Accounts: 1.50% APY 1.51%

Term Share Accounts

The term share rates shown above were adjusted 6/12/08.  Term share accounts have a substantial penalty for early withdrawal.  Next rate period will end 6/30/08.

Term Share Accounts
     
Term Dividend Rate APY      
3 Months 2.00% 2.01%      
6 Months 2.50% 2.52%      
12 Months 2.50% 2.52%      
18 Months 3.05% 3.08%      
24 Months 3.05% 3.08%      
Need an in between? Give us a call for in between cd rates.      
     
Vehicle Loans Maximum loan $35,000.00      
     
Term % Rate      
36 Months Rates as low as 4.99%* APR      
48 Months Rates as low as 4.99%* APR      
60 Months Rates as low as 4.99%* APR      
72 Months Rates as low as 5.99%* APR      
84 Months Rates as low as 5.99%* APR      
* Some Restrictions may apply.  Call us for details at 716-681-1460.            
Boats or Recreational Vehicles Same as Vehicle Loans
      

 

      

 

Signature Loans Maximum Loan $10,000.00 per individual

      
     
Term % Rate      
12 Months Rates as Low as 6.45% APR      
24 Months Rates as Low as 7.45% APR      
36 Months Rates as Low as 9.45% APR      
60 Months Rates as Low as 10.45% APR      
     
Share Secured Loans funds on deposit used as collateral
      
     
Share 60 Months 3.75% APR      
Term Share 60 Months with balloon at maturity 3.00%+ term share account rate
     
Home Equity Loan
    
     
Term % Rate  
60 Months
6.50% APR
  
96 Months
6.99% APR
 
120 Months 6.99% APR          

 

No Closing Costs*. 

 

80 % loan to value ratio.  Borrower will reimburse credit union for closing costs if with 
 
early repayment, namely loans with terms up to 60 month term repaid within 36 months
 
and 61-120 month term if repaid within 48 months.
     
Home Equity Line of Credit: Call for more information
     
We have a variety of Mortgage offerings.  Call for more information
     
Overdraft Line of Credit Maximum line $1,000.00
 Open end 14.00% APR

 

    

 

All rates are subject to change without notice.  Mortgage and Home Equity rates may change weekly. 
Borrowers must meet underwriting standards of the credit union to qualify for loans.