| |
|
| Savings Rates |
| Savings
Rates |
Certificate
Rates |
|
Minimum |
Annual
Rate |
Annual %
Yield |
|
Minimum |
Annual
Rate |
Annual %
Yield |
| Share Account* |
$5.00 |
.50% |
.50% |
3 Month Certificate |
$2,500 |
2.00% |
2.00% |
| Holiday Club |
$5.00 |
.50% |
.50% |
6 Month Certificate |
$2,500 |
2.50% |
2.50% |
| Vacation Club |
$5.00 |
.50% |
.50% |
9 Month Certificate |
$2,500 |
2.96% |
3.00% |
| IRA Share Account |
$5.00 |
1.00% |
1.00% |
12 Month Certificate |
$500 |
3.20% |
3.25% |
| Roth IRA |
$5.00 |
1.00% |
1.00% |
15 Month Certificate |
$2,500 |
3.20% |
3.25% |
| Educational IRA |
$5.00 |
1.00% |
1.00% |
24 Month* Certificate |
$500 |
3.44% |
3.50% |
|
|
|
|
36 Month* Certificate |
$500 |
3.69% |
3.75% |
| August 1, 2008 Rates subject to change
without notice. Call 781-1020
for the latest update.
Prime Rate, May 2008=5.00%
*One Time Bump Up options with $2,500 minimum balance. |
9 Month IRA |
$2,500 |
2.96% |
3.00% |
| 18 Month IRA |
$1,000 |
3.44% |
3.50% |
| 36 Month* IRA |
$1,000 |
3.69% |
3.75% |
| 60 Month* IRA |
$1,000 |
3.93% |
4.00% |
|
|
|
|
| Loan
Rates |
| Consumer
Loans |
Mortgages-New
and Refinance |
| Description |
Term |
Financing |
Check out our
complete line of mortgages, or visit the Mortgage
Center to find your ideal Wave mortgage and rate, learn more or to apply online.
It’s fast, simple and shows you the best terms available.
 |
| New Auto Rates:* |
3 Years |
|
5.24% |
|
4 Years |
|
5.24% |
| Special |
5 Years |
|
5.24% |
|
6 Years |
|
5.49% |
| Used Auto Rates:* |
|
|
|
| Models 2005 -
2007 |
3 Years |
|
5.74% |
| 4 Years |
|
5.74% |
| 5 Years |
|
5.74% |
| Models 2002 -
2004 |
3 Years |
|
6.49% |
| 4 Years |
|
6.99% |
| Used Auto Prior
to 2002 |
3 Years |
|
7.49% |
Fixed Equity
and Line of Credit |
| 4 Years |
|
7.99% |
Description |
Term |
Rate |
| Motorcycle/Scooters* |
|
|
7.00% |
|
Balances |
80%
LTV |
90% |
| Unsecured Loan* |
1 Year |
|
9.99% |
Variable Rate
Equity Line of Credit**** |
Less than 25,000 |
Prime |
|
| 25,000 to 75,000 |
Prime - 1/2 |
|
| Greater than 75,000 |
Prime - 1.0 |
|
| 2 Years |
|
10.49% |
Fixed Rate Equity** |
5 Years |
5.49% |
6.49% |
| 3 Years |
|
10.99% |
10 Years |
5.99% |
6.99% |
| 15 Years |
6.49% |
7.49% |
| 20 Years |
6.99% |
7.99% |
| 4 Years |
|
11.99% |
Effective July 15, 2008
Rates subject to change without notice. Call 781-1020 for the latest update.
Above rates apply to loans paid by payroll deductions or automatic transfer from shares or
checking.
All over the counter loan payments are 1/2% higher rates.
*Rate
will be determined by individual credit worthiness. Rates advertised are the lowest
rates available.Rates advertised are for New Boats and RVs. Used Boat and RV Rates maybe
higher.
**Add
.25% to Equity loan rates without an active Wave FCU checking account
***Personal Mortgage Insurance required with LTV above 80%.
****10 Yr Term with minimum rate of 4.00%.
Credit life and credit disability insurance available on
all loans.
Prime Rate, May 2008=5.00%
*$1,000.00 for 12 months at 9.99%:
11 monthly payments of $87.24
and 1
payment of $86.89 |
| 5 Years |
|
12.99% |
| Share/Certificate |
|
|
Current Share
Rate + 3.00% |
| Boat* |
|
|
8.00% |
| RV* |
|
|
7.00% |
| Cash Reserve/Checking
Overdraft |
|
|
12.00% |
| Private Student Loan |
|
|
8.00% |
| Visa Card no Annual fee |
|
|
12.00% |
Copyright © 2001 by Wave Federal Credit
Union. All rights reserved. |
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