Rates
Rates Effective as of April 14, 2012
Rates subject to change without notice. Call 781-1020 for the latest update.
Savings Rates
Savings Rates
|
| Minimum | Annual
Rate | Annual %
Yield |
|---|
| Basic Share Account |
$5.00 |
.15% |
.15% |
| E-Share Account |
$5.00 |
.25% |
.25% |
| Holiday Club |
$5.00 |
.15% |
.15% |
| Vacation Club |
$5.00 |
.15% |
.15% |
| E Savings |
|
|
|
| $2,000 - $9,999 |
$5.00 |
.25% |
.25% |
| $10,000 - $24,999 |
$5.00 |
.30% |
.30% |
| $25,000 - $49,999 |
$5.00 |
.40% |
.40% |
| $50,000 and over |
$5.00 |
.50% |
.50% |
| IRA Share Account |
$5.00 |
.15% |
.15% |
| Roth IRA |
$5.00 |
.15% |
.15% |
| Educational IRA |
$5.00 |
.15% |
.15% |
Certificate/IRA Rates
|
| Minimum | Annual
Rate | Annual %
Yield |
|---|
| 3 Month Certificate |
$2,500 |
0.30% |
0.30% |
| 6 Month Certificate |
$2,500 |
0.40% |
0.40% |
| 9 Month Certificate |
$2,500 |
0.45% |
0.45% |
| 12 Month Certificate |
$1,000 |
0.50% |
0.50% |
| 15 Month Certificate |
$1,000 |
0.55% |
0.55% |
| 18 Month Certificate |
$1,000 |
0.65% |
0.65% |
| 24 Month* Certificate |
$2,500 |
0.80% |
0.80% |
| 36 Month Certificate |
$1,000 |
1.00% |
1.00% |
| 48 Month Certificate |
$1,000 |
1.25% |
1.26% |
| 60 Month Certificate |
$1,000 |
1.50% |
1.51% |
Loan Rates
Consumer Loans
|
| Description | Term | Financing |
|---|
| New Auto Rates:* |
3 Years |
2.49% |
|
4 Years |
2.49% |
| Special |
5 Years |
2.49% |
| 6 Years |
2.99% |
| Used Auto Rates:* |
|
|
| Models 2009 - 2011 |
3 Years |
2.49% |
| 4 Years |
2.74% |
| 5 Years |
2.99% |
| Models 2006 - 2008 |
3 Years |
4.99% |
| 4 Years |
5.49% |
| Used Auto Prior to 2006 |
3 Years |
5.99% |
| 4 Years |
6.49% |
| Motorcycle/Scooters* |
|
7.00% |
| Unsecured Loan* |
1 Year |
9.99% |
| 2 Years |
10.49% |
| 3 Years |
10.99% |
| 4 Years |
11.99% |
| 5 Years |
12.99% |
| Share/Certificate |
|
Current Share
Rate + 3.00% |
| Boat* |
|
8.00% |
| RV* |
|
7.00% |
| Cash Reserve/Checking Overdraft |
|
12.00% |
| Visa Card no Annual fee |
|
12.00% |
Mortgages – New & Refinance
Visit the Mortgage Center for information about our many mortgage options, for contact information or to apply for your mortgage online.
|
|
|
|
|
|
|
|
|
|
|
Fixed Equity & Line of Credit
|
| Description | Term | Rate |
|---|
|
Balances |
80% LTV |
|
|
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 |
|
|
Fixed Rate Equity*/**
|
5 Years |
4.49% |
|
| 10 Years |
4.75% |
|
| 15 Years |
4.99% |
|
| 20 Years |
5.50% |
|
|
Effective
April 14, 2012
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 may be 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, April 2010=3.25%
*$1,000.00 for 12 months at 9.99%; 11 monthly payments of $87.24 and 1 payment of $86.89
|
^top
