New Autos
Year
|
Term
|
Rate*
|
2012
|
72 months
|
3.24% to 15.00%
|
2012-2011
|
60 months
|
2.99% to 15.00%
|
back to top
Used Autos
Year
|
Term
|
Rate*
|
2010-2008
|
up to 60 months
|
2.99% to 15.00%
|
2007-2005
|
up to 48 months
|
2.99% to 15.00%
|
2004-2002
|
up to 36 months
|
5.00% to 15.00%
|
back to top
Signature Loans
Amount Borrowed
|
Loan Term
|
Rate*
|
$500 to $5,000
|
up to 36 months
|
12.00% to 18.00%
|
*The loan limit on a Signature Loan is $5,000. Loan term is based on the amount
of the loan. back to top
100% Share Secured Loans
Interest rate for a Share
Secured Loan is 3.00% above the Dividend Rate earned on shares.
100% of the loan balance is required to remain in shares
for the life of the loan.
|
back to top
Loan Requirements and Restrictions
*Rate is determined by
credit rating and information obtained from a credit report.
|
Late fees on loans will be charged
after the 10th day of the loan scheduled date. A late fee of $15.00
will be charged
per loan.
|
You must be a member of the
Credit Union to be eligible for a loan. Loans to one member
must be a
minimum of $500 and not exceed $75,000.
|
Rates and terms are subject to
change at any time.
|
back to top
Regular Shares
Balance Requirements
|
Dividend Rate
|
Annual Percentage Yield
|
Minimum of $25.00
|
0.15%
|
0.150%
|
Dividends Compounded/Credited:
|
Monthly
|
Dividend Period:
|
Last day of each month
|
Balance Requirements:
|
Minimum opening and required
balance is $25.00
|
Balance Method:
|
Daily balance
|
Dividends:
|
Computed on the daily balance
of $25.00 and above
|
back to top
Premier High Yield
Balance Requirements
|
Dividend Rate
|
Annual Percentage Yield
|
$2,500 to $4,999.99
|
0.20%
|
0.200%
|
$5,000 to $24,999.99
|
0.21%
|
0.210%
|
$25,000 and above
|
0.30%
|
0.300%
|
Dividends Compounded/Credited:
|
Monthly
|
Dividend Period:
|
Last day of each month
|
Balance Method:
|
Daily balance
|
Fees
and Charges:
|
Three (3)
withdrawals/transfers are allowed per calendar
month,each subsequent
withdrawal is $5.00. Withdrawal
fees are
assessed
on the last day of the calendar month.
Deposits are unlimited.
|
back to top
Share Certificates
Length of Term
|
Dividend Rate
|
Annual Percentage Yield
|
6 month
|
0.20%
|
0.200%
|
12 month
|
0.30%
|
0.300%
|
24 month
|
0.40%
|
0.401%
|
Balance
Requirements:
|
Minimum balance
on all Share Certificates is $500.00
|
Dividends
|
Dividends
Compounded/Credited quarterly
|
Penalties
|
There are substantial
penalties for early withdrawal
|
back to top
Savings Requirements and Restrictions
Rates may be adjusted by the Board
of Directors or Management.
The Credit Union reserves the right to change dividend rates at
any time.
|
All shares are federally insured
by the NCUA up to $250,000. All funds in a "non-interest bearing transaction account" are insured in full by the National Credit Union Administration
through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under NCUA's general share insurance rules.
The term "non-interest bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividends, a negotiable order of withdrawal ("NOW")
account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.
For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.
| |
back to top |
Copright 2004-2005 Tanner Employees
Credit Union Read our privacy
policy here.