| 
All rates are subject to change without prior notice. Contact the Credit Union for up-to-the-minute rate quotes.
*APY = annual percentage yield (assuming all dividends are paid monthly and remain on deposit for one year)
**APR = annual percentage rate
M = $1000 minimum balance fixed-rate certificate
MB = $25,000 minimum balance fixed-rate certificate (M + 0.150%)
MI = $1000 minimum balance fixed-rate IRA certificate (M + 0.25%)
MIB = $25,000 minimum balance fixed-rate IRA certificate (M + 0.40%)
MV = $1000 minimum balance variable-rate certificate
MVI = $1000 minimum balance variable-rate IRA certificate
PEEWEE Penguin Club members = minimum balance $250
----($1000 minimum balance waived)
Ask about potential Birthday Bonus!
 |
DEPOSIT RATES |
| FIXED RATE SHARE CERTIFICATES |
|
Term
|
Dividend
|
APY*
|
|
Term
|
Dividend
|
APY*
|
|
|
|
|
|
|
|
| 3M |
2.300% |
2.330% |
|
24M |
3.050% |
3.090% |
| 3MB |
2.450% |
2.480% |
|
24MB |
3.200% |
3.250% |
|
|
|
|
24MI |
3.300% |
3.350% |
| 6M |
2.600% |
2.630% |
|
24MIB |
3.450% |
3.510% |
| 6MB |
2.750% |
2.790% |
|
|
|
|
|
|
|
|
36M |
3.350% |
3.400% |
| 12M |
2.700% |
2.730% |
|
36MB |
3.500% |
3.560% |
| 12MB |
2.850% |
2.890% |
|
36MI |
3.600% |
3.660% |
| 12MI |
2.950% |
2.990% |
|
36MIB |
3.750% |
3.820% |
| 12MIB |
3.100% |
3.150% |
|
|
|
|
|
|
|
|
48M |
3.450% |
3.510% |
| 18M |
2.750% |
2.790% |
|
48MB |
3.600% |
3.660% |
| 18MB |
2.900% |
2.940% |
|
48MI |
3.700% |
3.760% |
| 18MI |
3.000% |
3.040% |
|
48MIB |
3.850% |
3.920% |
| 18MIB |
3.150% |
3.200% |
|
|
|
|
|
|
|
|
60M |
3.550% |
3.610% |
|
|
|
|
60MB |
3.700% |
3.760% |
|
|
|
|
60MI |
3.800% |
3.870% |
|
|
|
|
60MIB |
3.950% |
4.020% |
| VARIABLE RATE SHARE CERTIFICATES |
|
Account Type
|
Dividend
|
APY*
|
CERTIFICATE RATE REQUIREMENTS
|
| 12MV |
2.125% |
2.212% |
Rate changes on 15th of every month
No other term available
Not eligible for birthday bonus |
| 12MVI |
2.125% |
2.212% |
| |
|
|
| SHARES |
|
Account Type
|
Dividend
|
APY*
|
Balance Required to Earn Dividends
|
| Ownership Shares |
0.250% |
0.250% |
$50.00 |
| |
|
|
|
| Share Drafts |
|
|
|
| Basic Share Draft |
0.000% |
0.000% |
No Fee, No Minimum Balance |
| |
|
|
|
| Dividend Bearing |
0.250% |
0.250% |
$1,000 Minimum Balance
$5 Monthly Fee if ever below $1,000 |
| |
|
|
|
| Money Market |
|
|
|
| $0.00 - $9,999.99 |
0.500% |
0.500% |
$10,000 Minimum Balance
$10 Monthly Fee if ever below $10,000 |
| $10,000 - $24,999.99 |
0.750% |
0.750% |
| $25,000 and over |
1.000% |
1.000% |
| |
|
|
|
| IRA Savings |
0.250% |
0.250% |
No Minimum Required |
| |
|
|
|
| Money Market Savings |
|
|
|
| Super Access Shares |
(SAS) |
|
|
$0.00 - $9,999.99
|
0.750% |
0.750% |
$5 Fee if over 6 unsigned transactions per month
Minimum withdrawal of $250 |
$10,000 - $24,999.99
|
1.000% |
1.010% |
| $25,000 and over |
1.500% |
1.510% |
| |
|
|
|
| Prime Yield Savings |
|
|
|
| $0.00 - $49,999.99 |
1.240% |
1.250% |
Rate changes on the 25th of every month
$5 Fee if over 6 unsigned transactions per month
Minimum withdrawal of $250
|
| $50,000 - $74,999.99 |
1.490% |
1.500% |
| $75,000 - $99,999.99 |
1.740% |
1.750% |
$100,000 and over
|
1.990% |
2.010% |
|
CONSUMER LOAN RATES |
|
LOAN TYPES
|
LOAN TERMS
|
APR**
|
LOAN REQUIREMENTS
|
| New & Used Vehicles/RVs |
12 months
|
4.00% - 9.75%
|
Rate Based on Credit Score
Green Loan - .50% Discount on Hybrid Vehicles or Vehicles with =>28mpg/hwy
RVs - 120 month amortization with a 5yr balloon available for loans =>$25,000
RVs - 180 month amortization with a 5yr balloon available for loans =>$30,000 |
| New-1998 |
24 months
|
4.25% - 10.00%
|
| |
36 months
|
4.50% - 10.25%
|
| |
48 months
|
4.75% - 10.50%
|
| |
60 months
|
5.00 % - 10.75%
|
| |
72 months
|
5.50 % - 8.75%
|
| |
84 months
|
6.50% - 7.50%
|
| |
| Personal Loan - Fixed |
12 months
|
8.75% - 13.75%
|
Rate Based on Credit Score
$1,000 miniumum advance |
| |
24 months
|
9.00% - 14.00%
|
| |
36 months
|
9.25% - 14.25%
|
| |
48 months
|
9.50% - 14.50%
|
| |
60 months
|
9.75% - 14.75%
|
| |
| Personal Loan - Variable |
LOC
|
10.25% - 15.25%
|
Rate Based on Credit Score |
| |
|
Variable Rates Based on Wall Street Journal Prime Rate
|
| |
| Shares/CD |
Unlimited
|
Fixed
|
100% of balance |
| |
|
2% above shares/CD rate
|
$50 minimum payment |
| |
| Ultimate |
Unlimited
|
Fixed
|
100% of balance |
| |
|
0% above share rate
|
$50 minimum payment |
| |
| Classic VISA & Mastercard |
LOC
|
10.25% - 15.25%
|
Rate Based on Credit Score |
| |
|
Variable Rate Based on Wall Street Journal Prime Rate
|
| |
| Platinum VISA |
LOC
|
10.25% - 11.25%
|
Rate Based on Credit Score |
| |
|
Variable Rate Based on Wall Street Journal Prime Rate
|
| |
| VISA & Mastercard Share Secured |
LOC
|
10.25%
|
|
| |
|
Variable Rate Based on Wall Street Journal Prime Rate
|
| |
| Student Loans |
|
Call 1-800-874-9033
www.eac-easci.org
|
Lender # 814651 |
|
MORTGAGE LOAN RATES |
|
LOAN TYPES
|
LOAN TERMS
|
APR**
|
LOAN REQUIREMENTS
|
| 1st Mortgage |
30 due in 5
|
6.50% - 11.50%
|
80% PP or appraisal, whichever is less. Rate Based on Credit Score. |
| |
15 due in 5
|
5.50% - 10.50%
|
| |
| Construction |
LOC
|
8.00% - 10.50%
|
80% of appraisal. 6 month draw. Payment based on 0.5% of outstanding balance. Rates may change Quarterly. Rate based on Credit Score. |
| |
|
Variable Rates Based on Wall Street Journal Prime Rate
|
| |
| Undeveloped Land |
15 due in 5
|
8.50% - 11.50%
|
80% PP. Rate Based on Credit Score. |
| |
| Home Equity-Fixed |
15 due in 5
|
5.50% - 10.50%---<80% LTV
|
100% Tax assessment or appraisal
Rate Based on Credit Score |
| |
|
6.00% - 11.00%---80.01%-90%
|
| |
|
6.50% - 9.50%---90.01%-100%
|
| |
| Home Equity-Variable |
LOC
|
6.75% - 11.25%---<80% LTV
|
60 month draw period
120 months repay period
Rates may change Quarterly
Rate Base on Credit Score |
| |
|
7.25% - 9.75%---80.01%-90%
|
| |
|
7.75% - 8.25%---90.01%-100%
|
| |
|
Variable Rate based on Wall Street Journal Prime
|
| |
| Home Improvement-Fixed |
15 due in 5
|
7.75% - 8.75%
|
125% Tax assessment or appraisal.
Rate Based on Credit Score. |
| |
| Home Improvement-Variable |
LOC
|
9.25% - 9.75%
|
125% Tax assessment or appraisal.
Rate Based on Credit Score.
Rates may change Quarterly |
| |
|
Variable Rates Based on Wall Street Journal Prime Rate
|
|
