* Rates effective as of 7/6/2010.
Deposit Account Rates
Checking |
| Universal Freedom 500 Checking |
$500.00 |
0.10% |
0.10% |
| |
*0.10% APY on the average daily balance of $500.00 or more, paid monthly. |
| |
Savings |
| Tier 1 (.00-299.99) |
$5.00 |
0.00% |
0.00% |
| Tier 2 (300.00 to 10,000.00) |
$300.00 |
0.15% |
0.15% |
| Tier 3 (10,000.01 to 50,000.00) |
$10,000.00 |
0.20% |
0.20% |
| Tier 4 (50,000.01 and over) |
$50,000.00 |
0.30% |
0.30% |
| Vacation and Holiday Clubs |
$50.00 |
0.15% |
0.15% |
| HSA (Health Savings Account) |
$0.00 |
1.00% |
1.01% |
| |
Tiers 1 - 4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid on balances of $50.00 or more in Vacation and Holiday Club accounts. |
| |
Money Market |
| Tier 1 (.00-2,000.00) |
$0.00 |
0.15% |
0.15% |
| Tier 2 (2,000.01 to 10,000.00) |
$2,000.01 |
0.40% |
0.40% |
| Tier 3 (10,000.01 to 25,000.00) |
$10,000.01 |
0.45% |
0.45% |
| Tier 4 (25,000.01 and over) |
$25,000.01 |
0.50% |
0.50% |
| |
Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings. |
| |
Certificates |
| 6 Months |
$1,000.00 |
0.50% |
0.50% |
| 7 Months |
$1,000.00 |
0.50% |
0.50% |
| 12 Months |
$500.00 |
0.90% |
0.90% |
| 12 Months Money Saver |
$25.00 |
0.80% |
0.80% |
| 13 Months |
$1,000.00 |
0.90% |
0.90% |
| 18 Months |
$1,000.00 |
1.15% |
1.16% |
| 24 Months |
$1,000.00 |
1.50% |
1.51% |
| 30 Months |
$1,000.00 |
1.50% |
1.51% |
| 36 Months |
$1,000.00 |
1.95% |
1.97% |
| 60 Months |
$1,000.00 |
2.75% |
2.79% |
| HSA 3 Month Certificate |
$1,000.00 |
1.00% |
1.01% |
| |
Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. |
| |
IRAs |
| 12 Months |
$500.00 |
0.90% |
0.90% |
| 24 Months |
$1,000.00 |
1.50% |
1.51% |
| 30 Months |
$1,000.00 |
1.50% |
1.51% |
| 60 Months |
$1,000.00 |
2.75% |
2.79% |
| Passbook |
$0.00 |
0.50% |
0.50% |
| 12 Months Variable |
$500.00 |
0.90% |
0.90% |
| |
Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. |
| |
* Loan rates effective as of 7/6/2010. All loan rates listed below require automatic payments.
Auto Loans
Auto Loans |
| New |
75 Months |
3.24% |
| Used |
Varies* |
3.24% |
| |
*Maximum term based on member’s credit score and age of vehicle. A $20,000 loan financed at 3.24% Annual Percentage Rate would result in 60 monthly payments of $361.56 each. Loan rates listed require automatic payment. 100% financing available depending on credit worthiness. |
| |
First Mortgage
First Mortgage |
| 30 Years |
30 Years |
5.125% |
5.125% |
| 20 Years |
20 Years |
5.000% |
5.000% |
| 15 Years |
15 Years |
4.500% |
4.500% |
| 10 Years |
10 Years |
4.250% |
4.250% |
| |
We offer competitive rates, low closing costs, and no application fee. For specific information regarding your personal circumstance, please call us at 937/225-9227 or 800/762-9555, Ext. 227 or e-mail us for a Rate Quote. Rate subject to final underwriting approval. |
| |
Second Mortgage
Second Mortgage |
| 5 Years |
5 Years (up to 80% ltv) |
5.75% |
| 10 Years |
10 Years (up to 80% ltv) |
6.25% |
| 15 Years |
15 Years (up to 80% ltv) |
6.75% |
| |
*Loan rates listed require automatic payments. |
| |
Home Equity
Home Equity |
| Up to 80% ltv |
15 Years |
4.00% |
| |
* Loan rates effective as of 7/6/2010. All loan rates listed below require automatic payments.
Boats
Boats |
| New |
Up to 180 Months |
6.70% |
| Used |
Up to 180 Months |
7.20% |
| |
Mobile Homes
Mobile Homes |
| 2010 (New) |
120 Months |
11.70% |
| 2009 (New) |
120 Months |
11.70% |
| |
Motor Homes
Motor Homes |
| New & Used |
Up to 120 Months |
6.70% |
| |
Motorcycles
Motorcycles |
| New |
Up to 180 Months |
6.70% |
| Used |
Up to 180 Months |
7.20% |
| |
Signature
Signature |
| Fixed Rate |
Up to 60 Months |
9.95% |
| |
Savings-Secured
Savings-Secured |
| Fixed Rate |
Up to 60 Months |
4.75% |
| |
Stock Loans
Stock Loans |
| Variable Rate |
Up to 48 Months |
9.00% |
| |
Credit Cards Comparison Matrix |
| Annual Percentage Rate (APR) for purchases |
14.92% |
8.92% |
| Other APRs |
Cash Advance APR: 14.92%; Balance Transfer APR: 14.92%* |
Cash Advance APR: 14.92%; Balance Transfer APR: 8.92%*; Penalty APR: 14.92%** |
| Grace Period for RePayment of Balances for Purchases |
25 Days following VISA cycle billing date |
25 Days following VISA cycle billing date |
| Balance Computation Method |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
| Annual Fee |
None |
None |
| Other Fees |
Late Payment: $20; Over Credit Limit (optional): $20; Foreign Transaction Fee: 1% of transaction amount |
Late Payment: $20; Over Credit Limit (optional): $20; Foreign Transaction Fee: 1% of transaction amount |
*For Platinum Cards only: Balance Transfers are permitted only for transfers from other institutions.
**For Platinum Cards only: Failure to make the minimum required payment within 60 days after the due date will increase your rate to 14.92% on all Visa Platinum account balances. Failure to make the minimum monthly payment is considered a late payment.
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