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RATES
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Rates effective as of July 14, 2008 and are subject
to change without notice.
Account and Investment
Services
|
Account
|
Dividend Rate
|
APY*
|
| Shares (Savings ) |
2.00%
|
2.02%
|
| Share Draft (Checking) |
.50%
|
.50%
|
| IRA |
3.00%
|
3.05%
|
Share Certificates
|
Term
|
Dividend Rate
|
APY*
|
|
6 months
|
2.75%
|
2.79%
|
|
12 months
|
2.80%
|
2.84%
|
|
18 months
|
2.85%
|
2.89%
|
|
24 months
|
2.95%
|
2.99%
|
|
30 months
|
3.30%
|
3.35%
|
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36 months
|
3.50%
|
3.56%
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|
48 months
|
4.25%
|
4.34%
|
|
60 months
|
4.25%
|
4.34%
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*APY is the Annual Percentage Yield
IRA Certificates
|
Term
|
Dividend Rate
|
APY*
|
|
18 months
|
2.85%
|
2.89%
|
|
24 months
|
2.95%
|
2.99%
|
|
30 months
|
3.30%
|
3.35%
|
|
36 months
|
3.50%
|
3.56%
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48 months
|
4.25%
|
4.34%
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|
60 months
|
4.25%
|
4.34%
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*APY is the Annual Percentage Yield
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All
funds on IRA deposit at your Credit Union are Federally
insured up to $250,000 by the National Credit Union
Administration, a U.S. Government Agency.
|
| |
Term |
Rate* |
| |
36 months |
5.00% |
| |
48 months |
5.25% |
| |
60 months |
5.49% |
| |
72 months |
6.49% |
| |
Term |
Rate* |
| 1 - 3 years old |
60 months |
6.00% |
| 4 - 7 years old |
60 months |
6.49% |
| 8 - 10 years old |
36 months |
8.49% |
| New
RV / Boat / Camper / Motorcycle / Appliance |
| |
Term |
Rate* |
| |
Based on Value |
6.49% |
| Used
RV / Boat / Camper / Motorcycle / Appliance |
| |
Term |
Rate* |
| |
Based on
Model year |
6.49% |
| |
Term |
Rate* |
| |
48 months |
9.99% |
* The lowest rate is posted, but rates may vary based
on term and credit history of the individual applying.
Please use these rates as a guideline only.
Additional discount for automatic payment may apply.
Contact the credit union loan department to determine
exact rates.
Rates are subject to change at any time. |
|
Certificate Secured
The Annual Percentage Rate (APR) for a share certificate
secured advance will be 2% above the dividend rate being
paid on the share certificate offered as security for
the advance. Share certificate's must be renewed until
the advance is completely paid. When the share certificate
is renewed, the APR will change to reflect the new dividend
rate. Any increase in the APR will result in an increase
in your payment. The APR and daily periodic rate will
be disclosed on the voucher at the time of the advance.
*You agree to pay all costs of collecting the amount
you owe under this agreement, including reasonable attorney
fees, to the extent permitted by state law.
**If Members Choice Credit Union has a security interest
in any vehicle or appliance, the member will pay the
filing fee.
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