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    Share Rates
    Loan Rates

 

Our Current Rate Figures... These figures are subject to change at any time. Please call the loan department to confirm these numbers.

NCUA

Share Rates
Effective September 1, 2001*

Account

Dividend
Rate

Annual
Percentage
Yield

Share Club  (Average Daily Balance)

 

 

$25.00-$500.00

1.25%

1.257%

$500.01-$2500.00

1.50%

1.51%

$2500.01-$5000.00

1.75%

1.764%

$5000.01-$10,000.00

2.50%

2.529%

$10,000.01 or more

2.75%

2.785%

Money Market ($500 minimum)

3.00%

3.04%

IRA Savings ($25 minimum)

3.15%

3.20%


IRAs & Share Certificates

Term Share & IRAs ($500 minimum)

 

 

6 months

3.20%

3.25%

12 months

3.44%

3.50%

18 months

3.59%

3.65%

30 months

3.78%

3.85%

36 months

3.93%

4.00%

 

Loans Available 
Effective September 1, 2001

Product

Financing

Term (months)

APR

VISA Classic Credit Card

$250 - $7,500

 

11.95% fixed

Visa Gold Credit Card

$5000 - $10,000

 

10.95% fixed

Signature (Unsecured)

$7,500 maximum

0-12
13-24
25-36
37-48
49-60

14.65%*
15.25%*
15.50%*
15.75%*
16.00%*

Back to School  $2,500 maximum 12 11.00%*

Computer Loan

$3,000 maximum

to 36

7.75%*

New auto, truck
van, motorcycle

100% purchase price including taxes�

to 48
to 60
to 72

6.95%*
7.20%*
7.45%*

Used auto, truck
van, motorcycle

100% of NADA book value including taxes�

to 48
to 60

6.95%*
7.20%*

New/Used boat or RV

New-90% purchase price before taxes or $40,000 (whichever is less)

Used-80% book value or $30,000 (whichever is less) before taxes

to 48
to 72
to 120

8.25%*
8.75%*
9.25%*

Home Equity Loan

80% of appraised value minus mortgage balance

to 60
61-120
121-180

8.25%
8.75%
9.00%

All fees waved on Home Equity Loans except for the New York State Mortgage Tax. Title Insurance must be paid on loans over $35,000. We require a $250 deposit that is refunded at the closing.

Home Equity Line
Credit (Variable)

80% of appraised value minus mortgage

balance

to 180

prime + 0%

Home Improvement

80% of appraised value minus mortgage balance

$15,000 maximum

to 120

8.75%*

*Rate with automatic payment discount. Otherwise, increase rate by 1/4%. �GAP insurance required if 100% financing.

GOALsaver Loan

$10,000 maximum

5 years

6.50%

Share Secured

90% of share balance

 

6.50%

SC Secured

90% of share certificate

 

SC rate +3%

Overdraft Line of Credit

$3,000 maximum

 

15.90% var.

*Rates subject to change at any time. Call our loan office to get current rates.

Equal Housing Lender

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PO Box 2310, Kingston, NY 12402 USA
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