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Effective March 28, 2008
Rates Are Subject To Change
| DIVIDEND RATE | ANNUAL PERCENTAGE YIELD | |
| Prime Shares < $10,000 | .25% | .25% |
| Prime Shares $10,000 to < $20,000 | .50% | .50% |
| Prime Shares Over $20,000 | .50% | .50% |
| Club Accounts | .25% | .25% |
| Money Market Account < $20,000 | 1.50% |
1.51% |
| Money Market Account >$20,000 |
1.75% |
1.76% |
|
IRA Notice Account < $500 |
1.50% | 1.51% |
| IRA Notice Account > $500 | 2.00% | 2.02% |
| DIVIDEND RATE | ANNUAL PERCENTAGE YIELD | |
| Homestead | None | None |
| Town & Country | 0.25% | 0.25% |
|
IRA/TERM SHARE ACCOUNTS <$20,000 |
DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
| 6 month | 2.50% | 2.53% |
| 12 month | 2.75% | 2.78% |
| 18 month |
2.85% |
2.89% |
| 24 month | 2.95% | 2.99% |
| 36 month |
3.05% |
3.09% |
| 48 month |
3.15% |
3.20% |
| Youth Saver | 2.75% | 3.45% |
| Summer Pay | .75% | .75% |
| All accounts at CCSD Federal Credit Union are insured up to $100,000 by the NCUA, an agency of the Federal Government. All Traditional and Roth IRA accounts at CCSD are insured up to $250,000 by the NCUA. | ||
IRA/TERM SHARE ACCOUNTS >$20,000 2.60% 2.63% 2.85% 2.89% 2.95% 2.99% 3.05% 3.09% 3.15% 3.20% 3.25% 3.30%
DIVIDEND RATE
ANNUAL PERCENTAGE YIELD
6 month
12 month
18 month
24 month
36 month
48 month
All accounts at CCSD Federal Credit Union are insured up to $100,000 by the NCUA, an agency of the Federal Government. All Traditional and Roth IRA accounts at CCSD are insured up to $250,000 by the NCUA.
Adjustable Rate Mortgages
|
RATE |
ANNUAL PERCENTAGE RATE |
POINTS |
|
6.25% |
6.77% |
0 |
2% annual cap 6.0% lifetime cap, Rate is fixed for the first five years and changes annually thereafter
|
RATE |
ANNUAL PERCENTAGE RATE |
POINTS |
|
5.500% |
5.520% |
0 |
First Mortgages through correspondent lender:
30/25 YEAR TERM – FIXED RATE
|
RATE |
ANNUAL PERCENTAGE RATE |
POINTS |
|
6.125% |
6.13% |
0 |
|
5.875% |
5.99% |
1 |
|
5.625% |
5.83% |
2 |
|
N/A |
N/A |
3 |
20 YEAR TERM – FIXED RATE
|
RATE |
ANNUAL PERCENTAGE RATE |
POINTS |
|
6.000% |
6.02% |
0 |
|
5.750% |
5.89% |
1 |
|
5.500% |
5.77% |
2 |
|
N/A |
N/A |
3 |
Rates on 1st mortgages can change daily, please call for the most current rates.
Through correspondent lender:
All purchases require 5% down payment. No cash out refinance requires 10% equity in property.
Cash out refinance requires 25% equity in property.
Fixed Rate:
|
TERM |
ANNUAL PERCENTAGE RATE |
|
5 Year |
4.99% |
|
10 Year |
5.99% |
|
12 Year |
6.75% |
Add .25% to each rate without automatic payment.
Line of Credit:
|
TERM |
ANNUAL PERCENTAGE RATE |
|
First year |
6.85% |
|
Subsequent years based on index |
9.00% currently |
|
TYPE |
VAR. OR |
MINIMUM ANNUAL |
MAXIMUM ANNUAL PERCENTAGE RATE |
MAX TERM |
MAXIMUM AMOUNT FINANCED |
|
Auto (2006 & Newer) |
F |
3.99% |
9.99% |
36 months |
108% |
|
Auto (2006 & Newer) |
F |
4.25% |
10.50% |
48 months |
108% |
|
Auto (2006 & Newer) |
F |
4.75% |
10.99% |
60 months |
108% |
| Auto (2006 & Newer) |
F |
5.25% |
8.99% |
66 months |
108% |
|
Auto (2006 & Newer) |
F |
5.75% |
6.99% |
72 months |
108% |
|
Auto (2001-2005) |
F |
4.50% |
10.50% |
36 months |
108% |
|
Auto (2001-2005) |
F |
4.75% |
10.75% |
48 months |
108% |
|
Auto (2001-2005) |
F |
5.25% |
11.75% |
60 months |
108% |
| Auto (2001-2005) |
F |
5.99% |
9.75% |
66 months |
108% |
|
Auto( 2001-2005) |
F |
6.50% |
7.75% |
72 months |
108% |
|
Auto (2000 & Older) |
F |
9.50% |
15.25% |
48 months |
100% |
|
Smart Choice Auto |
F |
3.99% |
10.99% |
72 months |
108% |
|
Other (2006 & Newer) |
F |
3.99% |
9.99% |
36 months |
|
|
Other (2006 & Newer) |
F |
4.25% |
10.50% |
48 months |
|
|
Other (2006 & Newer) |
F |
4.75% |
10.99% |
60 months |
|
| Other (2006 & Newer) |
F |
5.25% |
8.99% |
66 months |
|
|
Other (2001-2005) |
F |
4.50% |
10.50% |
36 months |
|
|
Other (2001-2005) |
F |
4.75% |
10.75% |
48 months |
|
|
Other (2001-2005) |
F |
5.25% |
11.75% |
60 months |
|
| Other (2001-2005) |
F |
5.99% |
9.75% |
66 months |
|
|
Other (2006 & Newer) |
V |
5.25% |
11.00% |
61-180 months |
|
|
Other (2001-2005) |
V |
6.00% |
11.75% |
61-180 months |
|
|
Other (2000 & Older) |
F |
9.50% |
15.25% |
48 months |
|
|
Share Secured |
V |
Rate + 3.00% |
|
84 months |
|
|
Term Share |
F |
Rate + 2.00% |
|
84 months |
|
|
VISA |
F |
13.44% |
|
N/A |
10,000.00 |
|
Personal |
F |
9.25% |
16.25% |
48 months |
$250 - $10,000 |
|
Personal |
V |
9.99% |
15.75% |
60 months |
$250-$10,000 |
|
Other Includes: |
Mobile Homes, |
Boats, Campers, |
Motorcycles, |
Recreation Vehicles, |
Stock |
Rates based upon credit worthiness
Last update 03/28/08
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This site is best viewed using Netscape 3.0 or Internet Explorer
3.0 or greater at 800x600 screen resolution |
 CCSD FCU is federally insured to $100,000 by NCUA, an Agency of the U.S. Government. |
|
Copyright©, CCSD FCU, 2003
Duplication of information found within this site, is prohibited without express
written permission from CCSD FCU. Any modification or redistribution of the material within
is a violation of applicable copyright laws. Information is subject to change
without notice. Additional restrictions may apply.
|
CCSD Federal Credit Union |
