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Rates
effective quarter
ending 04/01/08
*Rates
are subject to change without notice
APR
= Annual Percentage Rate
APY = Annual Percentage Yield
**Fees could reduce earnings
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Accounts
|
APR
|
APY
|
| Regular* |
| $0
- 500 |
0.75%
|
0.7521%
|
| $500.01
- 2,000 |
0.85%
|
0.8527%
|
| $2,000.01
- 10,000 |
0.95%
|
0.9534%
|
| $10,000.01
and up |
1.05%
|
1.0541%
|
|
| Vacation* |
| $0
- 500 |
0.75%
|
0.7521%
|
| $500.01
- 2,000 |
0.75%
|
0.7521%
|
| $2,000.01
- 10,000 |
0.75%
|
0.7521%
|
| $10,000.01
and up |
0.75%
|
0.7521%
|
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| Kids* |
| $0
- 500 |
1.25%
|
1.2559%
|
| $500.01
- 2,000 |
1.35%
|
1.3568%
|
| $2,000.01
- 10,000 |
1.45%
|
1.4579%
|
| $10,000.01
and up |
1.50%
|
1.5085%
|
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| Christmas** |
| $0
- 500 |
0.65%
|
0.6516%
|
| $500.01
- 2,000 |
0.85%
|
0.8527%
|
| $2,000.01
- 10,000 |
1.15%
|
1.1550%
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| $10,000.01
and up |
1.25%
|
1.2559%
|
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| Draft* |
| $0
- 500 |
0.05%
|
0.0500%
|
| $500.01
- 2,000 |
0.15%
|
0.1501%
|
| $2,000.01
- 10,000 |
0.25%
|
0.2502%
|
| $10,000.01
and up |
0.35%
|
0.3505%
|
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| Special
Accounts* |
| $0
- 500 |
0.50%
|
0.5009%
|
| $500.01
- 2,000 |
0.50%
|
0.5009%
|
| $2,000.01
- 10,000 |
0.65%
|
0.6516%
|
| $10,000.01
and up |
0.75%
|
0.7521%
|
|
| IRA* |
| $0
- 4,999.99 |
3.00%
|
3.0339%
|
| $5,000.00
and up |
3.15%
|
3.1874%
|
|
| Funds
Manager* |
| $0
- 500 |
0.75%
|
0.7521%
|
| $500.01
- 2,000 |
0.75%
|
0.7521%
|
| $2,000.01
- 10,000 |
0.75%
|
0.7521%
|
| $10,000.01
and up |
0.75%
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0.7521%
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*closure
of the account before accrued dividends are credited
will result in the loss of dividends.
**the entire balance of a Christmas club account
will be paid by check or transferred to another
account on or after November 1, and the account
will remain open. There is a penalty for early
withdrawal. The first withdrawal will result in
a fee equal to all dividends credited to the account
since it was opened. The second withdrawal will
result in a fee of $5.00 and the account will
be closed. Transfers and withdrawals are allowed
in the first (7) days after the account is opened
without restriction. |
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Share
Certificates
|
APR
|
APY
|
| 3
Month |
| $750
minimum |
2.25%
|
2.25%
|
| *
penalty for early withdrawal will result
in the loss of 1 month of dividends |
|
| 6
Month |
| $1,500
minimum |
2.45%
|
2.45%
|
| *
penalty for early withdrawal will result
in the loss of 1 month of dividends |
| $2,500
minimum |
2.55%
|
2.55%
|
| *
penalty for early withdrawal will result
in the loss of 1 month of dividends |
| $10,000
minimum |
2.65%
|
2.65%
|
| *
penalty for early withdrawal will result
in the loss of 1 month of dividends |
|
| 12
Month |
| $1,000
minimum |
2.85%
|
2.85%
|
| *
penalty for early withdrawal will result
in the loss of 1 month of dividends |
|
| 18
Month |
| $500 |
3.00%
|
3.00%
|
| *
penalty for early withdrawal will result
in the loss of 3 months of dividends |
|
| 30
Month |
| $500 |
3.10%
|
3.10%
|
| *
penalty for early withdrawal will result
in the loss of 3 months of dividends |
|
Our
loan rates are based on a Lending Profile. Your credit
score will help determine the rate of the requested
loan.
|
Score
|
Platinum
|
A
|
B
|
C
|
D
|
| . |
734
&
over
|
733
to
690
|
689
to
630
|
629
to
600
|
599
& under
|
Deduct .25% off current rates if you have the following:
Checking account with NIFCU
Payroll deduction/direct deposit
|
Tiered
Loan Rates
|
Platinum
|
Score
A
|
Score
B
|
Score
C
|
|
| New
Vehicles/Boats/Motor Homes/5th Wheels |
| |
Up
to 36 months |
5.50%
|
5.50%
|
6.50%
|
10.00%
|
12.00%
|
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37
- 60 months |
5.50%
|
5.75%
|
7.00%
|
12.00%
|
14.00%
|
| |
61
- 72 months |
5.50%
|
6.00%
|
8.00%
|
12.50%
|
15.00%
|
|
| Used
- 1 to 3 years old |
| |
Up
to 36 months |
6.00%
|
6.25%
|
7.25%
|
10.50%
|
14.00%
|
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37
- 60 months |
6.00%
|
6.25%
|
7.75%
|
11.00%
|
16.50%
|
| |
61
- 72 months |
6.00%
|
6.25%
|
8.50%
|
n/a
|
n/a
|
|
| Used
-4 to 7 years old |
| |
Up
to 36 months |
6.50%
|
6.50%
|
7.50%
|
11.00%
|
13.50%
|
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37
- 48 months |
6.50%
|
7.25%
|
9.75%
|
17.50%
|
n/a
|
| |
49
- 60 months |
6.50%
|
9.00%
|
10.00%
|
n/a
|
n/a
|
|
| Signature
- maximum $5,000 |
| |
Up
to 48 months |
9.00%
|
11.00%
|
13.00%
|
17.00%
|
18.00%
|
|
| Boats/Motor
Homes over $30,000 |
| |
Up
to 84 months |
Add
2.5% to corresponding
vehicle interest rate
|
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Fixed
Loan Rates
|
APR
|
| Debt
Consolidation |
|
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| Share
Secured |
|
|
| Double
Dollar |
|
|
| Stock
Secured |
|
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| Certificate
Secured |
|
Up
to certificate maturity date
|
1.50%
over certificate rate
|
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| Single
Payment |
|
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| Home
Improvement |
|
12
months
|
8.00%
|
| 24
months |
8.50%
|
| 36
months |
9.00%
|
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| Home
Equity |
|
60
months
|
Prime |
|
| 120
months |
Prime
+ 1 |
80%
of Equity |
| 180
months |
Prime
+ 2 |
100%
of Equity for Platinum Borrowers |
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All
Rights Reserved 2003
|
©
Members United Corporate FCU
|
©
Northern Indiana FCU
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