|
|
offers the following
competitive rates to its members. Below is a
listing of our most popular loans. If you don't
see a particular loan listed, just contact
us.
Keep in
mind that with excellent credit, you may qualify for our
lowest rate! If you like our rates, you might want
to calculate an approximate payment, or apply for the
loan now.
Share
Rates
| Account
Type |
Annual
Percentage
Rate (APR) |
Annual
Percentage
Yield (APY) |
Minimum
Balance To
Earn Dividend |
| Capital Share (Money Market) |
| $500 - and Up |
2.00% |
2.02% |
$500 |
| Advantage
Capital Share |
| $5,000 - $9,999.99 |
1.98% |
2.00% |
$5,000 |
| $10,000 - $24,999.99 |
2.23% |
2.25% |
$10,000 |
| $25,000 - $49,999.99 |
2.72% |
2.75% |
$25,000 |
| $50,000 + |
3.20% |
3.25% |
$50,000 |
| CU
College Draft (Checking for ages 16-25) |
| |
0.25% |
0.25% |
No Minimum |
| Plus
Share Draft (Checking with Interest) |
| $1,500 - Up |
0.25% |
0.25% |
$1,500 |
| Plus
Time Share Draft (Checking for 50+) |
| $100 - Up |
0.50% |
0.50% |
$100 |
| Individual
Retirement Account |
| |
2.75% |
2.78% |
$100 |
| IRA
Advantage |
| $5,000 Minimum |
3.50% |
3.56% |
$5,000 |
| Regular
Shares |
| $100 - $2,499 |
1.25% |
1.26% |
$100 |
| $2,500 - $9,999 |
1.50% |
1.51% |
$2,500 |
| $10,000 - Up |
2.00% |
2.02% |
$10,000 |
| Kid's
Club |
| $5 - Up |
2.00% |
2.02% |
$5 |
| $250 - 12 Month CD |
3.30% |
3.35% |
$250 |
| Christmas
Club |
| |
1.00% |
1.00% |
$100 |
| Vacation
Club |
| |
1.00% |
1.00% |
$100 |
|
*Rates and Terms
are subject to change without notice. Rates shown are
effective 06/13/2008 |
Share
Certificate Rates
| Account
Type |
Annual
Percentage
Rate (APR) |
Annual
Percentage
Yield (APY) |
Minimum
Deposit |
| Certificates
of Deposit |
| 3 Month |
2.72% |
2.75% |
$500 |
|
6 Month
|
3.25% |
3.30% |
$500 |
|
12 Month
|
3.30% |
3.35% |
$500 |
| 18 Month |
3.30% |
3.35% |
$500 |
| 24 Month Special |
3.69% |
3.75% |
$500 |
| 36 Month Special |
3.78% |
3.85% |
$500 |
| 48 Month |
3.45% |
3.51% |
$500 |
| 60 Month |
3.54% |
3.60% |
$500 |
15 Month Special |
3.49%
|
3.55%
|
$500 |
|
*Rates and Terms
are subject to change without notice. Rates shown are
effective as of 06/13/2008 |
Loan
Rates
|
Type Of
Account |
Approximate
Term |
Annual
Percentage Rate |
All Secured Loans
Including Auto Loans (New or Used) |
| |
Up to 36 Mos. |
As Low As 4.95% * |
| |
Up to 48 Mos. |
As Low As 5.25% * |
| |
Up to 60 Mos. |
As Low As 5.50% * |
| |
Up to 66 Mos. |
As Low As 5.75% * |
| |
Up to 72 Mos. |
As Low As 5.95% * |
| |
Up to 84 Mos. |
As Low As 6.75% * |
| |
Up to 120 Mos. |
As Low As 8.75% * |
| Unsecured Loans |
| |
0 to 36 Mos. |
9.00% - 18.00% * |
| |
37 to 48 Mos. |
10.00% - 17.50% * |
| |
49 to 60 Mos. |
11.00% - 17.00% * |
| Share
& Certificates Secured |
| Up to 60 Months Term |
Share
Certificate Rate + 3.00% |
| Mortgage Loans |
| 10 Years |
6.50% * |
| <
15 Years |
Secondary Market Pricing |
| 20 Years |
Secondary Market Pricing |
| 30 Years |
Secondary Market Pricing |
| Home Equity Lines of Credit Loans |
| 80% or less of Appraised Value |
As low as Prime
(Floor Rate of 6% APR) |
| More than 80% of Appraised Value |
As low as Prime
Plus 1.00% (Floor Rate of 7% APR) |
| Home Equity Loans - Fixed Term |
| Financing 80% or less of Appraised Value |
As low as 6.00% ** |
| Financing more than 80% of Appraised Value |
As low as 6.50% ** |
|
*All loans subject to credit approval. Some restrictions may apply.
Your APR may vary depending
on your creditworthiness. Please ask a loan officer for details. Any increase in the APR will result in more payments of the same amount. Rates and terms
subject to change without notice.
** "As low as" rate is for 60 month term. Creditworthiness and length of time financed (term) determines APR. Terms up to 180 months are available.
Rates effective as of 04/03/2008. |
MasterCard Credit Card Rates
|
APR for Purchases
|
Other APR's
|
| |
Cash Advance APR |
| **8.90% |
8.90% |
| **12.90% |
12.90% |
| **15.90% |
15.90% |
| |
Balance Transfer APR |
| |
**3.90% |
|
Grace Period for Purchases
|
Method of Computing Balance for Purchases
|
Annual Fee
|
Minimum Finance Charge
|
| 25 Days |
Average Daily Balance
(Including new purchases) |
None |
$0.50 |
|
Transaction Fee for Purchases: None
Card Replacement Fee: $5.00
Balance Transfer Fee: None
Returned Check/NSF Fee: $25.00
Late Payment Fee: $25.00
Document Copy Fee: $2.50 each copy
Over-the-Credit Limit Fee: $25.00
The information about the costs of the cards described in this application is accurate as
of 7/2007. This information may have changed after that date. To find out what may have changed, contact the credit union.
** 3.9% balance transfer rate is effective from date of transfer until the first billing cycle after the six month billing
period. Rate will default to purchase and cash advance rate after the introductory rate period as ended. **Rate based on beacon score
and credit qualifications.
|
VISA Platinum Credit Card Rates
|
APR for Purchases
|
Other APR's
|
| |
Cash Advance APR |
| 7.90% |
7.90% |
| 11.90% |
11.90% |
| 15.90% |
15.90% |
| |
Balance Transfer APR |
| |
* 3.90% for six months |
|
Grace Period for Purchases
|
Method of Computing Balance for Purchases
|
Annual Fee
|
Minimum Finance Charge
|
| 25 Days |
Average Daily Balance
(Including new purchases) |
None |
$0.50 |
|
Transaction Fee for Purchases: None
Card Replacement Fee: $5.00
Returned Check/NSF Fee: $25.00
Late Payment Fee: $25.00
Document Copy Fee: $2.50 each copy
Over-the-Credit Limit Fee: $25.00
The information about the costs of the cards described in this application is accurate as
of 7/2007. This information may have changed after that date. To find out what may have changed, contact the credit union.
** 3.9% balance transfer rate is effective from date of transfer until the first billing cycle after the six month billing
period. Rate will default to purchase and cash advance rate after the introductory rate period as ended. **Rate based on beacon score
and credit qualifications.
|
Fee Schedule
| NSF Fee |
$28.00 per item |
| Stop Payment (Checks or ACH) |
$28.00 per item |
| ACH NSF Fee |
$28.00 per item |
| ATM Overdraft |
$28.00 per item |
| Check Printing |
Prices may vary depending on style. |
| Check Copy |
$2.00 per item |
| Excessive Withdrawal Fee |
$5.00 per withdrawal if more than 6 per year and balance is under $500. |
| Check Cashing Fee** |
$5.00 per item |
| **(Note: Check Cashing Fee Charged only if member does not have an account balance to cover the amount of check or does not have direct deposit relationship with CGR.) |
| Account Reconciliation |
$20.00 per hour plus copy fee. |
| Account Research |
$20.00 per hour plus copy fee. |
| Statement Copy |
$4.00 per month. |
| Returned Deposit Item |
$25.00 per item. |
| Account History |
$1.00 per week. |
| Collection Item |
$10.00 per item. |
| ATM Disputed Item |
$15.00 per Item |
| Wire (Incoming) |
No charge at present time. |
| Wire (Outgoing) |
$15.00 per transfer. |
| Wire (Foreign) |
$35.00 per transfer. |
| Official Check |
$2.00 per check. |
| Money Order |
$2.00 per money order. |
| ATM Withdrawals |
$1.00 per withdrawal in excess of 6 withdrawals per month or non-CGR Credit Union ATM machines.. |
| ATM Card Replacement |
$5.00 per card. |
| Wrong Address Fee |
$1.00 per occurrence |
| Traveler's Check |
$1.00 per $100.00 for one-party checks, $1.50 per $100 for two-party checks. |
| Automatic Transfer Fee |
$5.00 per transfer. |
| Account/Deposit Verifications |
$10.00 per verification. |
| Inactive Account Fee |
$5.00 per month, maximum of 12 months; after 2 years of inactivity. Retroactive. |
| *Fee Schedule Effective April 1, 2007
|
|
