Rates

Monthly Rate Sheet

HBCU February 2019

Regular Savings Account

BalanceRateAPY
Under $50.00%0.00%
$5 – $9,999.990.02%0.02%
$10,000 and up0.05%0.05%

Christmas and Vacation Clubs

BALANCERATEAPY
$0 – $990.00%0.00%
$100 and up0.02%0.02%

Visa Check Card Accounts

BALANCERATEAPY
Up to $5,0000.02%0.02%
Over $5,0000.05%0.05%

Share Draft Checking Accounts

BALANCERATEAPY
Up to $5,0000.02%0.02%
Over $5,0000.05%0.05%

Car and Truck Loans

Loan ChoicesApprox. Term
(months)
Annual Percentage Rate (APR)
New Car and Trucks
New48 – 722.25% – 9.00%
Preowned Car and Trucks
Used up to 6 years old48 – 722.25% – 10.00%
Used 6 or 7 years old48 – 723.15% – 10.50%
Auto Lender New and Used
Bruised Credit6012.49%

We can finance vehicles prior to 7 years – Call for Information.
Loans up to 120% Loan to Value.

Signature Loans

Maximum TermMaximum LoanAPR*
60 Months$5,000*9.75% – 15.75%

*Higher amounts available upon request.

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Equity Line Loans (NC, VA, GA, SC, TN only)

Maximum TermMaximum LoanAPR*
180 MonthsUnder $50,000Call for Rates
180 Months$50,000 and OverCall for Rates

Share Secured Loans

Maximum TermMaximum LoanAPR*
60 MonthsShare Amount3.75%

IRA Certificate Accounts

TERM MONTHSRATEAPY*
60.95%0.95%
121.05%1.05%
241.20%1.21%
361.25%1.26%

Minimum Deposit $500

Premium IRA Certificate Accounts

TERM MONTHSRATEAPY*
241.55%1.56%
361.70%1.71%

Minimum Deposit $10,000

Jumbo Certificate Accounts

TERM MONTHSRATEAPY*
61.25%1.26%
121.35%1.36%

Minimum Deposit $100,000

Certificate Accounts

TERM MONTHSRATEAPY
30.80%0.80%
60.90%0.90%
121.00%1.00%
181.10%1.11%
241.15%1.16%
301.20%1.21%
361.25%1.26%

Minimum Deposit $250

Premium Certificate Accounts

TERM MONTHSRATESAPY*
31.05%1.05%
61.20%1.21%
121.30%1.31%
181.40%1.41%
241.45%1.46%
301.50%1.51%
361.60%1.61%

Minimum Deposit $10,000

Money Market Accounts

RATEAPY*
0.25%0.25%

Minimum Deposit $1,000 (no term)

Premium Money Market Share Draft Accounts

ACCOUNT BALANCERATEAPY*
$2,500 – $9,999.990.25%0.25%
$10,000 – $49,999.990.35%0.35%
$50,000 and Up0.50%0.50%

Minimum Deposit $2,500 (no term) and FREE CHECKS