Rates at EW#22 FCU

Current Rates

Electrical Workers #22 Federal Credit Union
Dividend Rates – EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]

  RATE APY* Minimum
Balance
Compound
Frequency
  Share Account
  0.10% 0.10% APY $300.00 – 10,000.00  
  0.15% 0.15% APY
$10,000.01 – 49,999.99  
  0.20% 0.20% APY $50,000.00 – & ABOVE  
 
  Elite Draft
  0.00% 0.00% APY $300.00 – 1,000.00  
  0.00% 0.00% APY
$1,000.01 – 5,000.00  
  0.00% 0.00% APY $5,000.01 – & ABOVE  
    ($5.00 Monthly Service Charge For Balance Below $150.00)
 
  Value Draft
  College Fund 0.15% 0.15% APY
(21 and under)  
  Youth Account 0.05% 0.05% APY (17 and under)  
  Kids Account 0.15% 0.15% APY (12 and under)  
  Christmas Club 0.15% 0.15% APY    
    (Rates available from CU representative)

Term Share Accounts
EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]
  Share Certificate – CD
  6 Months Term 0.25% 0.25% APY Minimum $500.00  
  12 Months Term 0.35% 0.35% APY
Minimum $500.00  
  24 Months Term 0.40% 0.40% APY Minimum $500.00  
 
  IRA’s
  0.35% 0.35% APY $500.00 – & ABOVE  

Auto Loans EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]

SALVAGE TITLES-INTEREST RATE 1% HIGHER THAN RATE LISTED BELOW
NEW VEHICLES MUST HAVE MSO TITLE-LN AMT BASED ON PURCHASE PRICE

Loan Rates for New & Used Vehicles  (download loan fee schedule)

Year APR Maximum Amount Term Security
New (2014-2013) 2.99% 100% of Purchase Price 12-36 Months Title/Ins
New (2014-2013) 2.99% 100% of Purchase Price 37-48 Months Title/Ins
New (2014-2013) 3.99% 100% of Purchase Price 49-60 Months Title/Ins
New (2014-2013) 4.99% 100% of Purchase Price 61-72 Months Title/Ins

New (2014-2013) 3.99% 110% of Purchase Price 12-36 Months Title/Ins
New (2014-2013) 3.99% 110% of Purchase Price 37-48 Months Title/Ins
New (2014-2013) 4.99% 110% of Purchase Price 49-60 Months Title/Ins
New (2014-2013) 5.99% 110% of Purchase Price 61-72 Months Title/Ins

 

Year APR Maximum Amount Term Security
Used (2012-2010) 4.00% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2012-2010) 4.00% 100% of NADA Avg Retail
37-48 Months Title/Ins
Used (2012-2010) 5.00% 100% of NADA Avg Retail 49-60 Months Title/Ins
Used (2012-2010) 5.00%
100% of NADA Avg Retail 61-72 Months Title/Ins

Used (2012-2010) 5.00% 110% of NADA Avg Retail 12-36 Months Title/Ins
Used (2012-2010) 5.00% 110% of NADA Avg Retail 37-48 Months Title/Ins
Used (2012-2010) 6.00% 110% of NADA Avg Retail 49-60 Months Title/Ins

Used (2009-2007) 4.25% 100% of NADA Trade In 12-36 Months Title/Ins
Used (2009-2007) 4.50% 100% of NADA Trade In 37-48 Months Title/Ins
Used (2009-2007) 5.25% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2009-2007) 5.50% 100% of NADA Avg Retail 37-48 Months Title/Ins

Used (2006-1995) 5.50% 100% of NADA Trade In 12-36 Months Title/Ins
Used (2006-1995) 5.50% 100% of NADA Trade In 37-48 Months Title/Ins

Motorcycle Side car & Trailer  (download fee schedule)
EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]

NEW MOTORCYCLE-MUST HAVE MSO
WE WILL LOAN A MAXIMUM OF 100% OF THE PURCHASE PRICE

  APR Maximum Amount Term Security
 
New (2014-2013) (Never been Titled) 4.99% 100% of Purchase Price 12-36 Months Title/Ins
  4.99% 100% of Purchase Price 37-72 Months Title/Ins

Used (2012-2011)        
$500.00 – On Up 4.50% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 4.50% 90% of NADA AVG. Retail 37-48 Months Title/Ins
$15,000.00 – On Up 4.50% 90% of NADA AVG. Retail 48-72 Months Title/Ins

Used (2010-2009)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 55-72 Months Title/Ins

Used (2008-2006)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 37-48 Months Title/Ins

Used (2005-2002)        
$500.00 – On Up 9.00% NADA AVG. Trade-In 12-24 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 25-30 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 31-36 Months Title/Ins

 

SIGNATURE LOANS up to 5K @ 8.50% (new money only)
PAYMENT $123.00/MO! (48 MONTHS)

NEW FEES:
2nd Mortgage Documentation Fee $100.00
All other Loans Documentation Fee $30.00
We are now using credit scores to determine loan rate

Signature Loans

  APR   Term Security
 
  6.00%   12, 24 or 36 Months Unsecured

Second Mortgage Loans (download description & fee schedule)
EFFECTIVE August 20, 2014
[Rates Subject To Change Without Notice]

  APR      
 
Second Mortgage  7.00%  $ 3,000.00 – $70,000.00  12-72 Months  
Second Mortgage Loan Special 7.00%   72-120 Months
 

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