|
CERTIFICATE RATES
The rates, fees and charges
applicable to your account at Capital Credit Union are provided
below. Capital Credit Union may offer rates or amend the rates for
these accounts from time to time.
TRUTH-IN-SAVINGS DISCLOSURES
|
Effective June 27, 2008 |
|
Regular/IRA
Certificates of Deposit |
|
Term |
APR |
APY* |
|
$1,000 Minimum
Balance |
|
6 Month |
1.29% |
1.30% |
|
12 Month |
1.78% |
1.80% |
|
24 Month |
2.03% |
2.05% |
|
36 Month |
2.37% |
2.40% |
|
$2,500 Minimum
Balance |
|
6 Month |
2.47% |
2.50% |
|
9 Month |
2.52% |
2.55% |
|
12
Month |
2.56% |
2.60% |
|
13 Month |
2.71% |
2.75% |
|
18
Month |
2.81% |
2.85% |
|
24 Month |
2.81% |
2.85% |
|
36 Month |
3.00% |
3.05% |
|
60 Month |
3.19% |
3.25% |
|
72 Month |
3.19% |
3.25% |
|
84 Month |
3.19% |
3.25% |
Youth/Young Adult Certificates of Deposit
Available for ages 0-24 |
|
Term |
APR |
APY* |
|
$500 Minimum
Balance |
|
6 Month |
1.29% |
1.30% |
|
12 Month |
1.78% |
1.80% |
|
24 Month |
2.03% |
2.05% |
| |
|
*Annual Percentage Yield |
DEPOSIT RATES
The rates, fees and charges
applicable to your account at Capital Credit Union are provided
below. Capital Credit Union may offer rates or amend the rates for
these accounts from time to time.
TRUTH-IN-SAVINGS DISCLOSURES
|
Effective June 1, 2008 |
|
Savings |
|
Account |
Minimum |
APR |
APY* |
Regular Shares
(Savings S1)
--With Life Insurance |
$50 |
0.20% $0-2,000
0.40%
$2,001-10,000
0.65% $10,001+ |
0.20%
0.40%
0.65% |
Regular Shares
(Savings S1)
--Without Life Insurance |
$50 |
0.40% $0-10,000
0.65% $10,001+ |
0.40%
0.65% |
|
Special Shares
(S2, S3, S4) |
$100 |
0.40% |
0.40% |
|
Home Sweet Home Club
(S12) |
None |
0.40% |
0.40% |
|
CU Save (S100) |
None |
0.79% $0-500
0.99% $501-1,000
1.04% $1,001-1,050
1.24% $1,051-2,000
1.34% $2,001+ |
0.80%
1.00%
1.05%
1.25%
1.35% |
|
Traditional
IRA Share (S8) |
None |
0.79% $0-2,499
1.29% $2,500-10,000
1.39% $10,001-25,000
1.48% $25,001-50,000
1.68% $50,001+ |
0.80%
1.30%
1.40%
1.50%
1.70% |
|
Roth IRA
Share (S18) |
|
Education
Share (S28) |
|
Christmas Club
Account (S25) |
$25 |
0.40% |
0.40% |
|
Money Market |
|
Account |
Minimum |
APR |
APY* |
|
Money Market (S5) |
$2,500 |
0.00% $0-2,499
0.79% $2,500-10,000
0.99%
$10,001-20,000
1.04%
$20,001-50,000
1.24% $50,001-100,000
1.34% $100,001+ |
0.00%
0.80%
1.00%
1.05%
1.25%
1.35% |
|
Relationship Money Market (S5)
(Must maintain
active checking account to qualify) |
$2,500 |
1.29% $2,500-10,000
1.39% $10,001-25,000
1.48% $25,001-50,000
1.68% $50,001+ |
1.30%
1.40%
1.50%
1.70% |
|
Checking |
|
Account |
Minimum |
APR |
APY* |
|
WAHOO!
Checking (S7) |
None |
None |
None |
|
Second Chance Checking (S7) |
None |
None |
None |
|
E-Checking (S7) |
None |
0.00% $0-499
0.10% $500-2,500
0.20% $2,501-10,000
0.50% $10,001-50,000
0.75% %50,001-100,000
1.00% $100,001+ |
0.00%
0.10%
0.20%
0.50%
0.75%
1.00% |
|
Premium
Checking (S7) |
$500 |
0.10% $500-2,500
0.20%
$2,501-10,000
0.30%
$10,001-50,000
0.40%
$50,001-100,000
0.50% $100,001+ |
0.10%
0.20%
0.30%
0.40%
0.50% |
|
President's Choice Checking (S7) |
$2,500 |
0.79% $2,500-10,000
0.99% $10,001-20,000
1.04% $20,001-50,000
1.24% $50,001-100,000
1.34% $100,001+ |
0.80%
1.00%
1.05%
1.25%
1.35% |
|
Business Checking |
$500 |
0.00% $0-499
0.10% $500-2,500
0.20% $2,501-10,000
0.50% $10,001-50,000
0.75% %50,001-100,000
1.00% $100,001+ |
0.00%
0.10%
0.20%
0.50%
0.75%
1.00% |
|
Premium Business Checking (S7) |
$3,000 |
0.79% $2,500-10,000
0.99% $10,001-20,000
1.04% $20,001-50,000
1.24% $50,001-100,000
1.34% $100,001+ |
0.80%
1.00%
1.05%
1.25%
1.35% |
|
*Annual Percentage Yield |
LOAN RATES
Consumer loan
interest rates are disclosed as ranges. Your final rate is
based on your application and credit history.
LOAN DISCLOSURES |
|
Effective July 1, 2008 |
|
Fixed
Loan Rates
|
|
Loan |
Annual Percentage Rate Range |
|
New Security |
5.49%
to 18.25% |
|
Used Security |
5.49%
to 18.25% |
|
Share Secured |
3.75% |
Home Equity Line of Credit
INTEREST ONLY
(5 year term) |
6.50% to
13.75% |
|
Home Equity Line of Credit (10
year term) |
6.25%
to 13.50% |
Home Equity Loan
(5 year term) |
5.25% to
12.75% |
Home Equity Loan
(10 year term) |
6.00% to
13.25% |
Home Equity Loan
(15 year term) |
6.75% to
14.00% |
New or Used
Manufactured Homes
(Additional Requirements) |
7.00% to
8.50% |
|
Variable Loan Rates |
|
Loan |
Annual Percentage Rate Range |
|
Home Equity Line of Credit (10
year term) |
4.50% to 9.00% |
|
New or Used Manufactured Homes |
8.00%
to 15.15% |
|
Unsecured -
Signature Loan/Line |
8.00% to
19.00% |
Unsecured - TLC (Transfer Line of
Credit)
or PAL
(Payday Alternative Loans) |
8.50%
to 19.00% |
|
Home Mortgages |
|
For current
rates, call our home mortgage department at (701) 255-0042. |
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