| |
|
 |
REGULAR SAVINGS ACCOUNTS
| Balance |
Rate |
APY |
|
Under
$25
$25 - $9,999.99
$10,000 & up |
0.00%
0.10%
0.15%
|
0.00%
0.10%
0.15%
|
CHRISTMAS & VACATION CLUBS
| Balance |
Rate |
APY |
|
$0
- $99
$100
- up |
0.00%
0.10%
|
0.00%
0.10%
|
VISA CHECK CARD ACCOUNTS
| Balance |
Rate |
APY |
|
Up to $5,000 |
0.10% |
0.10% |
|
Over $5,000 |
0.15% |
0.15% |
SHARE DRAFT CHECKING ACCOUNTS
| Balance |
Rate |
APY |
|
$0
- $5000
Over
$5000
|
0.10%
0.15%
|
0.10%
0.15%
|
|
|
 |
Cars and Trucks
The lowest rate of 2.95% for New or Used Cars or Trucks.
Lowest ever.
| Loan Choices |
Approx. Term (In Months) |
Annual Percentage Rate |
| Auto - Truck - Motorcycle |
| 10% Down New |
12 - 72 |
6.24% - 9.24% |
| 20% Down New |
12 - 72 |
5.00% - 8.25% |
| 100% Finance New |
12 - 72 |
8.74% - 11.49% |
| Used NADA Loan Value (Years 2006-2004) |
12 - 60 |
5.00% - 8.25% |
| Used NADA Loan or 100% Retail Value (Year 2003) |
48 |
5.00% - 11.49% |
| Auto Advantage New & Used Up to 100% Retail (Years 2007and Up) |
12 - 72 |
5.00% - 6.24% |
| Auto Advantage New & Used Up to 100% Retail (Years 2006-2004) |
12 - 60 |
5.00% - 6.24% |
| Auto Advantage New & Used Up to 100% Retail (Year 2003) |
48 |
5.00% - 6.24% |
| Auto Lender New and Used (Bruised Credit) |
12 - 60 |
12.49% |
| New Recreational Vehicle (Term Based on Amount) |
12 - 96 |
7.25% - 11.25% |
| Used Recreational Vehicle (Term Based on Amount) |
12 - 96 |
8.25% - 12.25% |
* We finance vehicles prior to 2003 Call for Information
Signature Loans
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
60 Mos.
|
$5,000
|
9.75% - 17.25%
|
Mortgage Loans
(NC only)
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
Fixed 180 Mos.
|
$300,000
|
3.625%
|
|
Fixed 360 Mos.
|
$300,000
|
4.375%
|
|
ARM 360 Mos.
|
$300,000
|
3.11%*
|
*Changes Weekly
Equity Line Loans
(NC, VA, GA, SC only)
Minimum 5.00 %
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
180 Mos.
|
Under $50,000
|
Prime + 1%
|
|
180 Mos.
|
$50,000 & Over
|
Prime
|
Share Secured Loans
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
60 Mos.
|
Share Amount
|
3.75%
|
Bruised Credit Loan
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
24 Mos.
|
$2,500
|
17.75%
|
Stock
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
60 Months
|
100% of Stock Price
|
4.25% Payments weekly/Monthly
|
|
60 Months
|
100% of Stock Price
|
6.10% One Installment
|
All Other Stocks°
|
Maximum Term
|
Maximum Loan
|
APR*
|
|
60 Months
|
65% of Stock Price
|
7.65% Payments weekly/Monthly
|
|
60 Months
|
65% of Stock Price
|
9.65% One Installment
|
°Listed on a stock exchange and
quoted over the market
*APR - Annual Percentage Rate
NADA - National Automobile Dealer
Association
All rates are subject to change without notice.
Terms and APRs may vary with age of collateral.
|
|
IRA
Accounts
|
| |
IRAs
Minimum
Deposit $500 to $24,999
|
Term
Months
|
Rate
|
APY*
|
|
6
|
0.70%
|
0.70%
|
|
12
|
0.75%
|
075%
|
|
24
|
0.95%
|
0.95%
|
|
36
|
1.20%
|
1.21%
|
PREMIUM IRA
CD ACCOUNTS
Minimum
Deposit $50,000 TO $99,999
|
Term
Months
|
Premium IRA Rate
|
APY*
|
|
6
|
0.75% |
0.75%
|
|
12
|
0.80%
|
0.80%
|
|
24
|
1.00%
|
1.00%
|
|
36
|
1.35%
|
1.36%
|
Minimum
Deposit $100,000 and Up
|
Term
Months |
Premium IRA Rate |
APY* |
|
6 |
0.80% |
0.80% |
|
12 |
0.80% |
0.80% |
24 |
1.05% |
1.05% |
36 |
1.40% |
1.41% |
|
| |
|
| |
 |
| |
Minimum
Deposit $ 250
|
Term
Months
|
Rate
|
APY*
|
|
3 |
0.15%
|
0.15%
|
|
6
|
0.70%
|
0.70%
|
|
12
|
0.75%
|
0.75%
|
|
18
|
0.85%
|
0.85%
|
|
24
|
0.95%
|
0.95%
|
|
30
|
1.00%
|
1.00%
|
|
36
|
1.05%
|
1.05%
|
PREMIUM
CERTIFICATE ACCOUNTS
Minimum
Deposit $10,000
|
Term
Months
|
Rate
|
APY*
|
|
3 |
0.15%
|
0.15%
|
|
6
|
0.75%
|
0.75%
|
|
12
|
0.80%
|
0.80%
|
|
18
|
0.95%
|
0.95%
|
|
24
|
1.00%
|
1.00%
|
|
30
|
1.35%
|
1.36%
|
|
36
|
1.35%
|
1.36%
|
|
| |
 |
| |
Minimum
Deposit $1,000 (no term)
PREMIUM
MONEY MARKET SHARE DRAFT ACCOUNT
Minimum
Deposit $2,500 (no term) & FREE CHECKS
|
Account
Balance
|
Rate
|
APY*
|
|
2,500
- 9,999.99
|
0.15% |
0.15% |
|
10,000
- 49,999.99
|
0.35% |
0.35% |
|
50,000
- up
|
0.75% |
0.75%
|
|
| |
 |
| |
*
APY - Annual Percentage Yield
Rates
are subject to change without notice. Call Hanesbrands Credit Union for
current rates. 1-888-222-7528
|
|
|
|
