RATES

Share (Savings) Accounts

Rate declared 12/18/2008 for quarter end 12/31/2008

Dividends on regular share accounts are calculated based on average daily balances of $100.00 or more.

Rates are variable and are declared quarterly based on available earnings.

Regular Share and Special Use Share Accounts: .60% APY .60%

 

Money Market Accounts

Rate declared 12/18/2008 for month end 12/31/2008

Dividends on money market accounts are calculated on average daily balances of 2500.00 or more.  Rates are variable and are declared monthly based on available earnings.  A maximum of three (3) withdrawals are allowed per month.  Each withdrawal after the third will include a $10 fee.  A $10 fee will be assessed to balances that fall below $2500.00.  Next rate period will end 12/31/08 .

Money Market Accounts: 1.75% APY 1.76%

 

Term Share Accounts

The term share rates shown below are effective 10/24/2008.  Term share accounts carry a substantial penalty for early withdrawal. 

Term Share Account
 MINIMUM BALANCE $500.00          
             
Term Dividend Rate APY        
3 Months 2.00% 2.01%        
6 Months 2.50% 2.52%        
12 Months 3.50% 3.55%        
18 Months 3.25% 3.29%        
24 Months 3.35% 3.39%        
Need an in between? Give us a call for in between cd rates.        
             
Term Share Account MINIMUM BALANCE $20,000.00          
             
Term Dividend Rate APY        
3 Months 2.00 2.01        
6 Months 2.75 2.77        
12 Months 3.75 3.80        
18 Months 3.50 3.54        
24 Months 3.60 3.65        
             
             
Term Share Account

MINIMUM BALANCE

$50,000.00

         
             
Term Dividend Rate APY        
3 Months 2.00 2.01        
6 Months 2.75 2.77        
12 Months 4.00 4.06        
18 Months
3.60 3.65        
24 Months 3.80 3.85        
             
LOAN RATES            
Vehicle Loans Maximum loan $35,000.00          
             
Term % Rate          
36 Months Rates as low as 4.99%* APR          
48 Months Rates as low as 4.99%* APR          
60 Months Rates as low as 4.99%* APR          
72 Months Rates as low as 5.99%* APR          
84 Months Rates as low as 5.99%* APR          
* Some Restrictions may apply.  Rate disclosed is the best available rate including all member discounts.  Additional special discounts will reduce these rates further.  Call us for details at 716-681-1460.            
Boats or Recreational Vehicles Same as Vehicle Loans
        

 

            

 

Signature Loans Maximum Loan $10,000.00 per individual

        
             
Term % Rate          
12 Months Rates as Low as 7.45% APR          
24 Months Rates as Low as 8.45% APR          
36 Months Rates as Low as10.45% APR          
48 Months Rates as Low as 10.95% APR          
60 Months

Rates as Low as 10.95% APR

         
Share Secured Loans (funds on deposit used as collateral)
        
             
Share 60 Months 3.60% APR        
Term Share 60 Months with balloon at maturity 3.00%+ term share account rate  
             
Home Equity Loan
            
             
Term % Rate          
60 Months
6.50% APR
          
96 Months
6.99% APR
         
120 Months 7.50% APR          

 

Closing Costs May Be Covered By The Credit Union.* See the laon officer for details.

 

 

  
 
 
 
             
Home Equity Line of Credit: Call for more information
        
             
We have a variety of Mortgage offerings.  Call for more information
        
             
Overdraft Line of Credit Maximum line $1,000.00
 Open end 14.00% APR        

 

            

 

All rates are subject to change without notice.  Mortgage and Home Equity rates may change weekly. 

  
Borrowers must meet underwriting standards of the credit union to qualify for loans.