APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.
Fee Schedule beginning March 1, 2010
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 January 1, 2010 |
| Rate Description |
Term |
APR |
APR Type |
| TITLED VEHICLES, BOATS, RV's (2008-2010) |
UP TO 5 YEARS |
AS LOW AS 5.50% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2008-2010) |
OVER 5 YEARS |
AS LOW AS 6.00% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2006-2007) |
UP TO 5 YEARS |
AS LOW AS 6.25% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2004-2005) |
UP TO 4 YEARS |
AS LOW AS 6.75% |
Fixed |
| UNSECURED (SIGNATURE) |
UP TO 4 YEARS |
AS LOW AS 8.90% |
Fixed |
| SHARE SECURED FROM SAVINGS |
VARIES |
4.5% |
Fixed |
| HOME EQUITY-ADJUSTABLE RATE |
VARIOUS |
PRIME + 0 |
Variable |
| HOME EQUITY FIXED |
10 Years |
6.50% |
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 November 23, 2009 . |
| Rate Description |
Term |
Dividend Rates |
APY |
| $500.00 Minimum Deposit-Early Withdrawal 30 Day Dividend Penalty |
6 month |
0.85% |
0.85% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
1 Year |
1.00% |
1.00% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
2 Years |
1.25% |
1.26% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
3 Years |
1.25% |
1.26% |
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 December 31, 2009. |
| Rate Description |
Term |
Dividend Rates |
APY |
| CHRISTMAS CLUB |
|
0.50% |
0.50% |
| SHARES |
POSTED QUARTERLY |
0.50% |
0.50% |
| IRA SHARES |
POSTED QUARTERLY |
1.75% |
1.76% |
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.
