Current Rates

Loan Rates

Members receive 1/4% off for automatic payment with direct deposit. Mortgage, home equity, overdraft line of credit, and credit card loans not included.

Rates as of June 1, 2011

Rate DescriptionTermAPRAPR Type
TITLED VEHICLES 2 TO 7 YEARS AS LOW AS 3.99% Fixed
TITLED BOATS & RV's 2 TO 15 YEARS AS LOW AS 5.50% Fixed
UNSECURED (SIGNATURE)
(up to $10,000.00) 		UP TO 5 YEARS AS LOW AS 8.50% Fixed
SHARE SECURED FROM SAVINGS VARIES 3.74% Fixed
HOME EQUITY-ADJUSTABLE RATE VARIOUS PRIME + 0 Variable
HOME EQUITY FIXED 10 Years 5.95% Fixed
HOME MORTGAGES
Call CUC Mortgage at
716-839-0701
www.cucmortgage.com		 VARIES CALL FOR RATES Fixed
VISA CREDIT CARD NO ANNUAL FEE 8.9% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of June 21, 2011

Rate DescriptionTermDividend RatesAPY
$500.00 Minimum Deposit
Early Withdrawal 30 Day Dividend Penalty		 6 Month 0.35% 0.35%
$500.00 Minimum Deposit
Early Withdrawal 90 Day Dividend Penalty		 1 Year 0.50% 0.50%
$500.00 Minimum Deposit
Early Withdrawal 90 Day Dividend Penalty		 2 Years 0.75% 0.75%
$500.00 Minimum Deposit
Early Withdrawal 90 Day Dividend Penalty		 3 Years 0.75% 0.75%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of June 30, 2011

Rate DescriptionTermDividend RatesAPY
CHRISTMAS CLUB   0.20% 0.20%
SHARES POSTED QUARTERLY 0.20% 0.20%
IRA SHARES POSTED QUARTERLY 0.85% 0.85%

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.