Rates
RATES EFFECTIVE AS OF September 7, 2010
Deposit Rates
Type of Deposit
|
Tiers
|
APY
|
Dividend Rate
|
Platinum Money Market Savings Account
|
|
0.90%
|
0.90%
|
Jumbo Money Market Savings Account
|
|
0.75%
|
0.75%
|
Money Market Savings Account
|
|
0.35%
|
0.35%
|
Individual Retirement Savings Account (IRA)
|
|
1.00%
|
1.00%
|
Savings (Share) Account
|
|
0.15%
|
0.15%
|
Holiday Club Account
|
|
0.15%
|
0.15%
|
| Eco Checking |
$0-$15,000
$15,001+
|
4.00%
0.35%
|
3.93%
0.35%
|
Premier Money Market Checking
|
$50,000+
$25,000-$49,999
$10,000-$24,999
$1,000-$9,999
|
0.90%
0.75%
0.50%
0.25%
|
0.90%
0.75%
0.50%
0.25%
|
Smart Start Checking
|
$5,000+
$2,500-$4,999
$500-$2,499
|
0.75%
0.50%
0.25%
|
0.75%
0.50%
0.25%
|
Certificates May Be Shares or IRA's ($500 Minimum Deposit)
|
3 Month Certificate
|
|
0.50%
|
0.50%
|
6 Month Certificate
|
|
0.75%
|
0.75%
|
9 Month Certificate
|
|
1.00%
|
1.00%
|
12 Month Certificate
|
|
1.15%
|
1.14%
|
18 Month Certificate
|
|
1.25%
|
1.24%
|
24 Month Certificate
|
|
1.50%
|
1.49%
|
36 Month Certificate
|
|
1.75%
|
1.74%
|
60 Month Certificate
|
|
2.00%
|
1.98%
|
Annual Percentage Yield, Dividend Rates and Terms subject to change without notice. There is a penalty assessed for early withdraw of Certificate. Business transacted at Cardinal Community Credit Union is governed by the laws of the State of Ohio.
$100 minimum balance to earn dividends on Savings & Holiday Accounts
$2,500 minimum deposit on Money Market; $15,000 on Jumbo Money Market
$100 minimum deposit on IRA Savings; $500 minimum deposit on Certificates and IRA Certificates
$1,000 minimum deposit on Premier Money Market Checking
$25,000 minimum balance to earn dividends on Platinum Money Market Account
Consumer Loan Rates*
Type of Loan
|
Term
|
APR
|
| New Auto/Truck 2010 - 2011 |
48 Months |
as low as 3.990% APR |
| New Auto/Truck 2010 - 2011 |
60 Months |
as low as 3.990% APR |
| New Auto/Truck 2010 - 2011 |
72 Months |
as low as 4.750% APR |
| New Auto/Truck 2010 - 2011 |
84 Months |
as low as 5.990% APR |
| Used Auto/Truck 2004 - 2010 |
48 Months |
as low as 4.750% APR |
| Used Auto/Truck 2004 - 2010 |
60 Months |
as low as 5.750% APR |
| Used Auto/Truck 2004 - 2010 |
72 Months |
as low as 6.490% APR |
| New Recreational Vehicle 2010 - 2011 |
48 Months |
as low as 4.250% APR |
| Used Recreational Vehicle 2004 - 2010 |
48 Months |
as low as 4.250% APR |
| Share Secured |
60 Months |
as low as 5.250% APR |
| Share Secured |
120 Months |
as low as 6.250% APR |
| Signature Loan |
60 Months |
as low as 9.500% APR |
| Signature Line-of-Credit |
|
as low as 11.250% APR |
Members who make vehicle loan payments automatically from an active Cardinal Checking Account will receive a 0.25% rate reduction.
Mortgage Loan Rates*
Type of Loan
|
LTV
|
Rate
|
APR
|
| 5 Year First Mortgage |
|
4.990% |
5.301% |
| 10 Year First Mortgage |
|
3.625% |
3.838% |
| 15 Year First Mortgage |
|
3.625% |
3.772% |
| 20 Year First Mortgage |
|
4.125% |
4.241% |
| 30 Year First Mortgage |
|
4.250% |
4.335% |
| 40 Year First Mortgage |
|
4.750% |
4.822% |
| InterestFirst 10 Year |
|
5.750% |
5.843% |
| InterestFirst 15 Year |
|
5.750% |
6.723% |
| 1/1 ARM (Non-Convertible) |
|
2.375% |
4.083% |
| 1/1 ARM |
|
2.375% |
2.451%
|
| 3/1 ARM |
|
3.250%
|
3.330% |
| 5/1 ARM |
|
3.625% |
3.707% |
| 7/1 ARM |
|
4.000%
|
4.083% |
| 10/1 ARM |
|
4.375% |
4.460% |
| Platinum Home Equity Line-of-Credit |
80% |
5.000% |
5.000% |
| Home Equity Line-of-Credit/Variable Rate** |
80% |
3.990% |
3.990% |
| Home Equity 2nd Mortgage/Fixed Rate |
80% |
|
|
| 60 Months |
|
4.990% |
5.405% |
| 120 Months |
|
5.875% |
5.986% |
| 180 Months |
|
6.250% |
6.329% |
|
|
|
|
* Rates and Terms subject to change without notice. Other interest rates and terms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This listing is not an offer of credit. Business transacted at Cardinal Community Credit Union is governed by the laws of the State of Ohio.
**Rate is Prime plus .74%
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