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Rates in effect as of July 1, 2008. Subject to change without notice.
APR = Annual Percentage Rate........ APY = Annual Percentage Yield
|
DIVIDENDS | |||
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Account |
Terms |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
|
Share, IRA Shares, Clubs Accounts
Platinum Shares & IRA's |
$25 - $19,999 $100,000.00 + |
.50% 2.24% |
.50% 2.25% |
|
Money Market
|
$2,500-24,999.99 $25,000-$49,999.99 $50,000.00- |
1.24% 1.49% 1.74% |
1.25% 1.50% 1.75% |
|
Share Certificates
Compare! |
6 Months 9 Months 1 Year 2 Years 3 Years 5 Years |
2.96% 3.20% 3.21% 2.97% 3.06% 3.16% |
3.00% 3.25% 3.25% 3.00% 3.10% 3.20% |
|
Certificates, (Roth, Educational and Traditional IRA) Compare! |
1 Year 2 Years 3 Years 5 Years |
3.31% 3.07% 3.17% 3.26% |
3.35% 3.10% 3.20% 3.30% |
|
LOANS | |||
|
Loan Type |
Term up to: Months |
Annual Percentage Rate (APR) |
Min/Max Loan |
|
Vehicle Loans : | |||
| New and 1 Year Old Model |
60 |
5.95% |
$500 / $100,000 |
| 2-4 Year Old Model |
48 |
5.95% |
$500/$100,000 |
| 5-7 Year Old Model |
36 |
5.95% |
$500/$100,000 |
| New & 1 Model Year Old Lux. Cars |
72 |
5.95% |
$30,000/$100,000 |
|
Recreational Vehicles |
144 (variable) |
7.00% |
$500/$100,000 |
|
| |||
| Unsecured Loans: | |||
| Line of Credit |
60 (variable) |
9.25% |
$500/$25,000 |
| Signature |
60 |
12.75% |
$500/$25,000 |
| Summer/ Winter Fun |
12 |
5.50% |
$500/$25,000 |
| Credit Repair |
72 (variable) |
10.50% |
$500/$25,000 |
| Visa: | |||
| Classic Card |
........ |
11.00% |
$500/$10,000 |
| Gold Card |
........ |
9.00% |
$10,000/$25,000 |
| Home Equity Line of Credit - HELOC: |
240 (variable) |
5.00% |
$10,000/$250,000 |
| Stock Secured: |
60 144 (variable) |
6.50% 7.25% |
$1,000/$100,000 $1,000/$100,000 |
| Share Secured: |
60 |
6.50% |
$1,000/$100,000 |
| CD Secured |
Term of CD |
3.00% + CD Rate |
$1,000/$100,000 |
| Mortgages | |||
|
Term up to: Months |
Annual Percentage Rate (APR) |
Min/Max Loan | |
| Fixed and Adjustable |
360 |
Call for quote |
$10,000 / $600,000* |
| No Closing Cost 1 Year ARM |
360 |
1YT + 2.50% |
$10,000 / $600,000* |
| Co-op Loans |
360 * |
Call for quote |
$10,000 / $600,000 |
| Prime Rate is 5.00% for home equity loan | |||
Mortgage rates may change daily, for up to date information, call 1-212-354-0351
Rates, terms and conditions are in effect on the date published and are subject to change. For current information, call (212) 354-0351. The Annual Percentage Rate (APR) for all advances on all existing balances will be subject to change on the first day of each quarter based upon prime (as quoted in the Wall Street Journal on the rate for Shares published monthly). The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. Shares are Federally insured to $100,000 by the National Credit Union Administration (NCUA), an U.S. Government agency.
Savings - Dividends are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of 01/01/2008. Penalties may apply for early withdrawal funds.
Loans - Rates are current as of 02/01/08. All terms and rates are subject to change without notice. For variable loan rates, the APR may increase after the loan is originated. Estimated closing costs for HELOC over $50,000* are /from $525 to $5,600 (includes the $500 discount). Mortgage loans subject to additional terms and conditions. Mortgages based on New York City rates.
Share Certificates- Early withdrawls are subject to penalties. For more information, please visit our disclosure page.
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