|
| Type |
Term |
APR |
| New Auto, Trucks, and
Customized Vans |
up to 24 months |
from 5.75% to 18.00% |
| up to 36 months |
from 5.75% to 18.00% |
| up to 48 months |
from 5.75% to 18.00% |
| up to 60 months |
from 5.75% to 18.00% |
| up to 72 months |
from 6.70% to 9.30%*** |
| Type |
Model |
Term |
APR |
| Used Auto, Trucks, and Customized Vans |
2006 |
up to 54 months |
from 6.00% to 18.00% |
| 2005 |
up to 54 months |
from 6.25% to 18.00% |
| 2004 |
up to 48 months |
from 6.50% to 18.00% |
| 2003 |
up to 36 months |
from 7.00% to 18.00% |
| 2002 & Older** |
up to 24 months |
from 7.75% to 18.00% |
*financing available up to NADA average
retail value
**financing available up to NADA average trade-in value
***Beacon score must be at least a B or A rating to receive
a 72 month loan
****Additional Reduction of 0.20% if we finance 90% or less of LTV (Loan to Value)
| New (2008-2007) |
Up to 115% of MSRP |
| Up to 72 months |
Beginning at 5.25% |
| Used |
Up to AVG RETAIL VALUE |
| 2005, 2006 up to 54 months* |
Beginning at 5.40% |
| 2004 up to 48 months* |
Beginning at 6.00% |
| 2003 up to 36 months* |
Beginning at 6.25% |
| Used |
Up to AVG TRADE-IN VALUE |
| 2002 & older up to 36 months* |
Beginning at 7.25% |
| * Term and amount financed based on year
model as determined by auto loans |
Unsecured Loan
-- Separate Advance |
| Approx. 12-24 months |
Beginning at 8.25% |
| Approx. 25-36 months |
Beginning at 8.50% |
| Approx. 37-48 months |
Beginning at 8.75% |
| Single Payment Advance ($1,000
or less) |
Beginning at 10.00% |
| Single Payment Advance (1,001
or more) |
Beginning at 11.75% |
| Signiture Line of Credit |
Beginning at 12.50% |
MUST BE A SEPARATE
LOAN ADVANCE |
| Up to $10,000; Approx. 60months |
Beginning at 7.50% |
| $10,001 to $25,000; Approx. 72 months |
Beginning at 7.50% |
*Courtesy Deed
of Trust maybe required on your primary residence |
| Overdraft Protection Loan |
15.50% |
| Share Secured |
2% Above Rate Earned (V) |
| Term |
Minimum Balance |
Dividend Rate |
Compounding Frequency |
Annual Percentage
Yield |
| 3 Month |
$1,000.00-$9,999.99 |
2.60% |
Quarterly |
2.62% |
| 3 Month |
$10,000.00-$19,999.99 |
2.70% |
Quarterly |
2.73% |
| 3 Month |
$20,000.00- $49,999.99 |
2.80% |
Quarterly |
2.83% |
| 3 Month |
$50,000.00 and Over |
2.90% |
Quarterly |
2.93% |
| Money Market |
$1,000.00-$9,999.99 |
3.00% |
Quarterly |
3.04% |
| Money Market |
$10,000.00-$19,999.99 |
3.00% |
Quarterly |
3.04% |
| Money Market |
$20,000.00-$49,999.99 |
3.00% |
Quarterly |
3.04% |
| Money Market |
$50,000.00 and Over |
3.00% |
Quarterly |
3.04% |
| 6 Month |
$1,000.00-$9,999.99 |
2.90% |
Quarterly |
2.92% |
| 6 Month |
$10,000.00-$19,999.99 |
3.00% |
Quarterly |
3.02% |
| 6 Month |
$20,000.00-$49,999.99 |
3.10% |
Quarterly |
3.12% |
| 6 Month |
$50,000.00 and Over |
3.20% |
Quarterly |
3.23% |
| 12 Month |
$1,000.00-$9,999.99 |
3.50% |
Quarterly |
3.55% |
| 12 Month |
$10,000.00-$19,999.99 |
4.00% |
Quarterly |
4.06% |
| 12 Month |
$20,000.00-$49,999.99 |
4.00% |
Quarterly |
4.06% |
| 12 Month |
$50,000.00 and Over |
4.00% |
Quarterly |
4.06% |
| 24 Month |
$1,000.00-$9,999.99 |
3.60% |
Quarterly |
3.65% |
| 24 Month |
$10,000.00-$19,999.99 |
4.25% |
Quarterly |
4.32% |
| 24 Month |
$20,000.00-$49,999.99 |
4.25% |
Quarterly |
4.32% |
| 24 Month |
$50,000.00 and Over |
4.25% |
Quarterly |
4.32% |
| 36 Month |
$1,000.00-$9,999.99 |
3.70% |
Quarterly |
3.35% |
| 36 Month |
$10,000.00-$19,999.99 |
4.25% |
Quarterly |
4.32% |
| 36 Month |
$20,000.00-$49,999.99 |
4.25% |
Quarterly |
4.32% |
| 36 Month |
$50,000.00 and Over |
4.25% |
Quarterly |
4.32% |
| 48 Month |
$1,000.00-$9,999.99 |
3.95% |
Quarterly
| 4.02% |
| 48 Month |
$10,000.00-$19,999.99 |
4.50% |
Quarterly
| 4.59% |
| 48 Month |
$20,000.00-$49,999.99 |
4.50% |
Quarterly
| 4.59% |
| 48 Month |
$50,000.00 and Over |
4.50% |
Quarterly
| 4.59% |
| 60 Month |
$1,000.00-$9,999.99 |
3.95% |
Quarterly
| 4.01% |
| 60 Month |
$10,000.00-$19,999.99 |
4.50% |
Quarterly
| 4.57% |
| 60 Month |
$20,000.00-$49,999.99 |
4.50% |
Quarterly
| 4.57% |
| 60 Month |
$50,000.00 and Over |
4.50% |
Quarterly
| 4.57% |
*with checking account
Traditional --
Roth -- Educational
| Terms |
Minimum Balance |
Dividend Rate |
Compounding Frequency |
Annual Percentage
Yield |
| Roth Conversion |
$1,000.00-$9,999.99 |
3.55% |
Quarterly |
3.60% |
| Roth Conversion |
$10,000.00-$19,999.99 |
4.05% |
Quarterly |
4.11% |
| Roth Conversion |
$20,000.00-$49,999.99 |
4.05% |
Quarterly |
4.11% |
| Roth Conversion |
$50,000.00 and Over |
4.05% |
Quarterly |
4.11% |
| 12 Month |
$1,000.00-$9,999.99 |
3.55% |
Quarterly |
3.60% |
| 12 Month |
$10,000.00-$19,999.99 |
4.05% |
Quarterly |
4.11% |
| 12 Month |
$20,000.00-$49,999.99 |
4.05% |
Quarterly |
4.11% |
| 12 Month |
$50,000.00 and Over |
4.05% |
Quarterly |
4.11% |
| 24 Month |
$1,000.00-$9,999.99 |
3.65% |
Quarterly |
3.70% |
| 24 Month |
$10,000.00-$19,999.99 |
4.30% |
Quarterly |
4.37% |
| 24 Month |
$20,000.00-$49,999.99 |
4.30% |
Quarterly |
4.37% |
| 24 Month |
$50,000.00 and Over |
4.30% |
Quarterly |
4.37% |
| 36 Month |
$1,000.00-$9,999.99 |
3.75% |
Quarterly
| 3.80% |
| 36 Month |
$10,000.00-$19,999.99 |
4.30% |
Quarterly |
4.37% |
| 36 Month |
$20,000.00-$49,999.99 |
4.30% |
Quarterly |
4.37% |
| 36 Month |
$50,000.00 and Over |
4.30% |
Quarterly |
4.37% |
| 48 Month |
$1,000.00-$9,999.99 |
4.00% |
Quarterly
| 4.07% |
| 48 Month |
$10,000.00-$19,999.99 |
4.55% |
Quarterly
| 4.64% |
| 48 Month |
$20,000.00-$49,999.99 |
4.55% |
Quarterly
| 4.64% |
| 48 Month |
$50,000.00 and Over |
4.55% |
Quarterly
| 4.64% |
| 60 Month |
$1,000.00-$9,999.99 |
4.00% |
Quarterly
| 4.06% |
| 60 Month |
$10,000.00-$19,999.99 |
4.55% |
Quarterly
| 4.63% |
| 60 Month |
$20,000.00-$49,999.99 |
4.55% |
Quarterly
| 4.63% |
| 60 Month |
$50,000.00 and Over |
4.55% |
Quarterly
| 4.63% |
| Account |
Dividend Rate |
Annual Percentage
Yield |
| Prime Share
Account** |
| $0.00 - 24.99 |
no dividend |
0.00% |
| $25.00 - 2499.99 |
0.20% |
0.20% |
| $2500.00 - 4999.99 |
0.45% |
0.45% |
| $5000.00 and over |
0.70% |
0.70% |
| Christmas/Vacation
Share Account |
| All Balances |
1.50% |
1.50% |
| Share IRA |
2.25% |
2.25% |
| Starter
Saver Share Account |
| $0.00 - 499.99 |
0.00% |
0.00% |
| $500.00 and over |
0.50% |
0.50% |
| Platinum Shares
Account |
| $10,000.00 and over |
2.10% |
2.12% |
| $5,000 - $9,999.99 |
1.90% |
1.92% |
| $1,000 - $4,999.99 |
1.70% |
1.71% |
| $999.99 and below |
no dividend |
0.00% |
| Rate-Flex
Share Account |
| $50,000.00 and over |
2.10% |
2.12% |
| $25,000.00 - $49,999.99 |
1.90% |
1.92% |
| $1,000.00 - $24,999.99 |
1.70% |
1.71% |
| $0.00 - $999.99 |
no dividend |
0.00% |
| Premier
Checking |
| $0.00 - $999.99 |
no dividend |
0.00% |
| $1,000.00 and over |
0.60% |
0.60% |
| Premier
Plus Checking |
| $0.00 - $1,999.99 |
no dividend |
0.00% |
| $2,000.00 - $9,999.99 |
0.75% |
0.75% |
| $10,000.00 and over |
1.25% |
1.26% |
|
|
**Minimum balance of $25 to earn
dividend.
Leaders Credit Union accounts
are insured up to $100,000.00 by the National Credit
Union Administration, a U.S. Government Agency. IRAs
are insured up to an additional $100,000.00. All rates
are subject to change without notice, as determined
by the Credit Union Board of Directors. Early withdrawals
from certificates may incur substantial penalties.
Fees could reduce earnings on some accounts. The minimum
required to open the above accounts is the same as
the minimum required to earn corresponding interest.
Share (savings) and Share Draft (checking) account
rates are subject to change after the account is opened.
E-Mail
a LCU Representative or call
(731) 664-1784 or 800-227-1893 for the most current
rates. |
|
|
