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Rates effective January 1, 2009
Auto Loans
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Vehicles financed up to 125% of MSRP / NADA retail. Loan rates are determined by credit score. Rates listed are the lowest possible rates. 72 month financing available on loans that exceed $20,000.00.
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36 months APR*
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48 months APR
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60 months APR
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72 months APR
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2009 - 2008
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5.00%
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5.25%
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5.50%
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6.00%
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2007 - 2005
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5.50%
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5.75%
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6.00%
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2004 - 2002
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6.00%
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6.25%
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Boats, Motorcycles, Recreational Vehicles
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Financing available up to 100% of MSRP / NADA retail. Loan rates are determined by credit score. Rates listed are the lowest possible rates. 72 month financing available on loans that exceed $20,000.00.
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36 months APR
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48 months APR
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60 months APR
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72 months APR
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2009 - 2008
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6.75%
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7.00%
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7.25%
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7.75%
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2007 - 2005
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7.25%
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7.50%
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7.75%
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2004 -
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8.25%
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8.50%
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Share Secured
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12 Months
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24 Months
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36 Months
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48 Months
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60 Months
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72 Months
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4.00% APR
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4.20% APR
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4.40% APR
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4.60% APR
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4.80% APR
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5.00% APR
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Unsecured
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9.75% APR
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36 months
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$5,000.00 max
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*APR = Annual Percentage Rate
DIVIDEND RATES
Rates are determined by the Board of Directors and subject to change without notice.
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Account Type
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Annual Percentage
Rate
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Annual Percentage
Yield
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| Regular Savings with balances below $15000.00 |
0.90% |
0.9030% |
| Regular Savings with balances at or above $15000.00 |
1.05% |
1.0541% |
| STAR Savings $25000.00 minimum balance |
2.50% |
2.5236% |
| Secondary Savings |
0.50% |
0.5009% |
| Youth & Student Savings |
0.50% |
0.5009% |
| Club Accounts |
0.50% |
0.5009% |
| Dividend Checking |
0.50% |
0.5009% |
| Regular Checking |
0 |
0 |
| IRA Accounts |
2.50% |
2.5236% |
| Certificate Account call (636) 931-7144 for current rates |
NA |
NA |
Share accounts require a $250.00 balance in order to earn a dividend. Club accounts require a $100.00 balance in order to earn a dividend. Youth & Student Accounts require a $50.00 balance in order to earn a dividend. Dividend Drafts accounts require a $500.00 balance in order to earn a dividend and a $250.00 balance in order to avoid a $5.00 monthly service charge. Please contact the credit union for information on applicable fees & terms. Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government - NCUA- National Credit Union Administration, a U.S. Government Agency.
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