APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.
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 November 26, 2008. |
| Rate Description |
Term |
APR |
APR Type |
| TITLED VEHICLES, BOATS, RV's (2006-2009) |
UP TO 5 YEARS |
AS LOW AS 5.00% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2006-2009) |
OVER 5 YEARS |
AS LOW AS 5.50% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2004-2005) |
UP TO 5 YEARS |
AS LOW AS 5.75% |
Fixed |
| TITLED VEHICLES, BOATS, RV'S (2002-2003) |
UP TO 4 YEARS |
AS LOW AS 6.25% |
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 26, 2008. |
| Rate Description |
Term |
Dividend Rates |
APY |
| $500.00 Minimum Deposit-Early Withdrawal 30 Day Dividend Penalty |
6 month |
2.75% |
2.77% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
1 Year |
2.50% |
2.52% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
2 Years |
2.50% |
2.52% |
| $500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty |
3 Years |
2.50% |
2.52% |
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 September 30, 2008. |
| Rate Description |
Term |
Dividend Rates |
APY |
| CHRISTMAS CLUB |
|
0.50% |
0.50% |
| SHARES |
POSTED QUARTERLY |
1.00% |
1.00% |
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.
|
FYI
DIRECT DEPOSIT
Call the credit union office for your correct 14 digit account number when signing up for direct deposit. Please do not use the VRU number found on your statement. This is only for Home Banking and Voice Response.
BENEFICIARY
Please contact the credit union to make sure the beneficiary information on your account is up to date.
OFFICE CLOSINGS
THANKSGIVING
Thursday, November 27
Friday, November 28
OPEN Wednesday, November 26 until 6:00 PM
CHRISTMAS EVE
Wednesday, December 24
CHRISTMAS
Thursday, December 25
NEW YEAR'S EVE
Wednesday, December 31
Closing at 1:00 PM
NEW YEAR'S DAY
Thursday, January 1, 2009
|
