DIVIDEND RATES
(First Quarter, 2010)
LOAN RATES
(as of March 1st, 2010)
|
First Mortgages* |
|||||
| Term: |
APR** |
Points |
Origination |
||
|
15-Year Fixed $25,000 - $50,000 |
6.00% |
0 |
2 |
||
|
15-Year Fixed $50,001 - $250,00 |
5.00% |
0 |
1 |
||
| 15-Year fixed $250,000 - to 10% of unimpared capitol plus surplus |
6.50% |
0 |
1 |
||
|
30-Year Fixed $25,000 - $50,000 |
6.25% |
0 |
1 |
||
|
30-Year Fixed $50,001 - $250,000 |
5.25% |
0 |
1 |
||
| 30-Year Fixed$250,000 - to 10% of unimpared capitol plus surplus |
6.75% |
0 |
1 |
||
|
5-Year Renewable |
5.00% |
0 |
1 |
||
|
Modification Agreement |
|
2 |
|||
**APR = Annual Percentage Rates
|
Second Mortgages* |
|||||
| Term: |
APR** |
Points |
Origination |
||
|
10-Year Fixed Rate |
6.75% |
0 |
½ |
||
|
5-Year Renewable |
6.50% |
0 |
½ |
||
|
5-Year Fixed Rate up to $15,000 |
5.50% |
0 |
½ |
||
|
7-Year Fixed Rate up to $20,000 |
6.50% |
0 |
½ |
||
|
Home Equity Line of Credit (Prime as of 1/04 + 1.5%) |
7.00% |
0 |
½ |
||
|
FHA Home Improvement Loan |
8.25% |
0 |
½ |
||
**APR = Annual Percentage Rates
|
New & Used Vehicles & Recreational Vehicles *APR |
|||||
| Beacon Score/Grade: |
24 Mos. |
36 Mos. |
48 Mos. |
60 Mos. |
72 Mos. |
|
730+/Platnum |
4.25% |
4.50% |
4.75% |
4.75% |
5.25% |
|
680 - 729/A |
4.50% |
4.75% |
5.00% |
5.50% |
6.00% |
|
640 - 679/B |
6.00% |
6.25% |
6.50% |
7.00% |
7.50% |
|
600 - 639/ C |
8.00% |
8.25% |
8.50% |
9.00% |
9.50% |
|
550 - 599/D |
11.5% |
11.75% |
12.00% |
12.50% |
N/A |
|
549 or less/E |
15.0% |
15.50% |
16.00% |
16.50% |
N/A |
|
Signature/R-G Matic Loans APR* |
||||
|
680 - 729/A |
9.25% |
8.25% |
||
|
640 - 679/B |
11.50% |
10.50% |
||
|
600 - 639/ C |
13.50% |
12.50% |
||
|
550 - 599/D |
16.50% |
N/A |
||
|
549 or less/E |
17.50% |
N/A |
||
*Dividend Period: Septemberl 30, 2009 - December 31, 2009
|
Other Deposit Account Dividends |
|||||
| Deposit Account: |
Drafts/Checking** |
Christmas Club* |
IRA Accounts* |
||
|
Annual Percentage Rate |
.25% |
1.10% |
2.25% |
||
|
Annual Percentage Yield |
.25% |
1.10% |
2.27% |
||
**Dividend Period: Monthly - Effective December 31, 2009
*APR = Annual Percentage Rate
|
Mobile Homes APR* |
|||
|
60 Mos. |
84 Mos. |
||
|
New Mobile Home (15% Down) |
12.00% |
12.50% |
|
|
Used Mobile Home (15% Down) |
13.00% |
N/A |
|
|
Secured Loans APR* |
|||
|
100% Share Secured up to 120 Months |
4.50% |
||
|
75% Share Secured up to 48 Months |
6.50% |
||
|
50% Share Secured up to 48 Months |
7.50% |
||
|
Major Purchase Loan (UCC-1 Filing Required) |
9.50% |
||
|
CD Secured Loans (2.5% Over Current CD Rate) Maximum Term up to Maturity Date of CD |
Current CD rate +2.5% |
||
|
Unsecured VISA APR* |
|||
|
R-G Federal Credit Union Visa Card |
12.75% |
||
