Loans
Rates and terms subject to change
without notice
Auto Loans
| Year |
Rate as low as |
| 2013-2011 |
| 3-Year |
2.24% APR |
| 4-Year |
2.44% APR |
| 5-Year |
2.74% APR |
| 6-Year |
3.74% APR |
| 7-Year** |
3.74% APR |
| **2013 models |
|
| 2010-2009 |
| 3-Year |
2.24% APR |
| 4-Year |
2.44% APR |
| 2008-2005 |
| 3-Year |
2.24% APR |
|
As of 01/25/13 |
Adjustable Rate Mortgages (ARMs)
Ask about our 0.25% discount for qualified members
| Term |
Starter Rate |
| 1/1 ARM |
2.25% APR |
| 1/1 Jumbo ARM |
2.75% APR |
| 3/1 ARM |
2.50% APR |
| 3/1 Jumbo ARM |
3.00% APR |
| 5/1 ARM |
2.70% APR |
| 5/1 Jumbo ARM |
3.20% APR |
| 7/1 ARM |
4.70% APR |
| 7/1 Jumbo ARM |
5.20% APR |
| As of 01/25/2013 |
Home Equity Line of Credit
| Term |
Rate (APR) |
|
Adjustable based on the Prime Rate |
| As of 9/25/2008 |
Musical Instrument
| Balloon |
Rate (APR) |
Amortization |
| 3-Year |
7.25% |
25-Year |
| N/A |
7.25% |
60 Months |
| As of 1/1/2008 |
Personal
| Term |
Rate (APR) |
| 1-Year |
8.9% 5.9% |
| 2-Year |
9.9% 6.9% |
| 3-Year |
10.9% 7.9% |
| 4-Year |
11.9% 8.9% |
| 5-Year |
12.9% 9.9% |
| As of 08/15/2011 |
Personal Computer
| Term |
Rate (APR) |
| 3-Year |
10.9% 6.9% |
| 4-Year |
11.9% 7.9% |
| 5-Year |
12.9% 8.9% |
| As of 08/02/2012 |
Vacation
| Term |
Rate (APR) |
| 3-Year |
9.9% |
| 4-Year |
10.9% |
| 5-Year |
11.9% |
| As of 1/1/2008 |
Cash Draw
| Term |
Rate (APR) |
| Open-Ended |
14.9% |
| As of 1/8/2008 |
Income Tax
| Term |
Rate (APR) |
| 1-5 Years |
Prime Rate + 2.5% adjustable rate |
| As of 1/1/2008 |
Union Initiation Fee
[RATES:TAXREFUNDBRIDGE]
Balance Transfer
| Term |
Rate (APR) |
| 2.9% intro rate first six months |
8.9% thereafter |
| As of 4/19/2010 |
|
|
Savings
Rates and terms subject to change
without notice
eMax$ Online
| Award Level |
APY |
APR |
| One-Star |
0.50% |
0.50% |
| Two-Star |
0.60% |
0.60% |
| Three-Star |
0.80% |
0.80% |
| Four-Star |
0.90% |
0.90% |
| As of 08/22/2012 |
High-Yield Certificates
| Term |
APY |
APR |
| 6 months |
0.50% |
0.50% |
| 12 months |
0.60% |
0.60% |
| 24 months |
0.90% |
0.90% |
| 36 months |
1.30% |
1.29% |
| 60 months |
2.00% |
1.99% |
| As of 08/22/2012 |
IRAs
| Term |
APY |
APR |
| Money Rate |
0.50% |
0.50% |
| 6 Months |
0.65% |
0.65% |
| 12 Months |
0.75% |
0.75% |
| 24 Months |
1.05% |
1.05% |
| 36 Months |
1.45% |
1.44% |
| 60 Months |
2.15% |
2.13% |
| As of 08/22/2012 |
Savings Accounts
| Amount |
APY |
APR |
| $100-$499.99 |
0.04% |
0.04% |
| $500-$1,499.99 |
0.06% |
0.06% |
| $1,500-$2,999.99 |
0.08% |
0.08% |
| $3,000 and up |
0.10% |
0.10% |
| As of 03/31/2013 |
Business Savings
| Amount |
APY |
APR |
| $100-$499.99 |
0.04% |
0.04% |
| $500-$1,499.99 |
0.06% |
0.06% |
| $1,500-$2,999.99 |
0.08% |
0.08% |
| $3,000 and up |
0.10% |
0.10% |
| As of 03/31/2013 |
Holiday Club
| Amount |
APY |
APR |
| $100-$499.99 |
0.04% |
0.04% |
| $500-$1,499.99 |
0.06% |
0.06% |
| $1,500-$2,999.99 |
0.08% |
0.08% |
| $3,000 and up |
0.10% |
0.10% |
| As of 03/31/2013 |
Shared-Secured Loan
| Term |
Rate (APR) |
| 3-Year |
4.9% |
| 4-Year |
5.9% |
| 5-Year |
6.9% |
| As of 1/1/2008 |
Certificate-Secured Loan
| Term |
Rate (APR) |
| 3-Year |
2.9% above High-Yield Certificate rate or Share- Secured rate, whichever is higher |
| 4-Year |
| 5-Year |
| As of 1/1/2008 |
Credit Cards
VISA Platinum Premium
| 6-Month Intro Rate |
2.9% APR |
| Rate Thereafter |
7.9% APR |
| As of 02/07/2011 |
VISA Platinum Preferred
| 6-Month Intro Rate |
2.9% APR |
| Rate Thereafter |
8.9% APR |
| As of 02/07/2011 |
VISA Platinum
| Rate |
11.9% APR |
| As of 02/07/2011 |
VISA Secured
| Rate |
14.9% APR |
| Credit Limit |
80% of frozen amount in CD, up to a maximum of $2,000 |
| As of 1/8/2008 |
All VISA Platinum Cards Earn Rewards
| 1 point |
for $2.00 spent |
| ActorsFCU |
|
