Rates
| Click here to check out our Financial Calculators! |
Loan Special
| |
|
750-up |
710-749 |
670-709 |
| |
TERM |
A+ |
A |
B |
Autos
*For up to 95% financing ONLY
No relationship discounts apply |
To 36 months |
2.50% |
2.50% |
2.75% |
| To 48 months |
2.65% |
2.65% |
3.00% |
| To 66 months |
2.75% |
2.75% |
3.99% |
New Recreational Vehicles
*For up to 95% financing ONLY
No relationship discounts apply |
To 36 months |
2.65% |
2.65% |
2.75% |
| To 48 months |
2.75% |
2.75% |
3.00% |
| To 60 months |
2.75% |
2.75% |
3.99% |
Savings Rates (click here for Loan rates)
This Truth-In-Savings (TIS) Rate and Fee Schedule for your Savings (Share) and Checking Accounts sets forth certain conditions, rates, fees, and charges applicable to your Primary Savings (Share) Account, your Secondary Savings (Share) Accounts including your Individual Retirement Account, your Share Certificate Accounts and your Checking (Share Draft) Accounts at Laramie Plains Community FCU as of the date set forth on top of this form. This Rate and Fee Schedule is incorporated as a part of your Account Agreement with Laramie Plains Community FCU. Additional Truth-In-Savings Disclosures are set forth in your new account packet.
TRUTH-IN-SAVING / RATE SCHEDULE
TYPE OF ACCOUNT |
PROSPECTIVE DIVDEND RATE |
FOR PERIOD |
PROSPECTIVE ANNUAL PERCENTAGE YIELD (APY) |
MINIMUM AVERAGE DAILY BALANCE REQUIREMENTS |
Primary savings (share) |
.10% |
Sept 2011 |
.10% |
$50.00 |
Secondary Savings, Cash for College |
.10% |
Sept 2011 |
.10% |
N/A |
Jr. Explorer,
Christmas |
.15% |
Sept 2011 |
.15% |
5.00-Jr. Explorer
25.00-Christmas |
Ultimate Checking
$0-$25,000 Meets Req |
3.10% |
Sept 2011 |
3.10% |
N/A |
Ultimate Checking
Over $25,000 Meets Req. |
.25% |
Sept 2011 |
.25% |
N/A |
Ultimate Checking
Does not meet Req. |
.05% |
Sept 2011 |
.05% |
N/A |
Dividends on all savings will be compounded and credited Monthly. Dividend period-calendar Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors. |
Money Market
$2500-$9,999 |
.10% |
Sept 2011 |
.10% |
$2500.00 |
Money Market
$10,000-24,999 |
.20% |
Sept 2011 |
.20% |
$2500.00 |
Money Market
$25,000+ |
.25% |
Sept 2011 |
.25% |
$2500.00 |
Transaction limitations: Limit of withdrawals or transfers is six (6) in a calendar month. Dividends will be compounded and credited Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU Board of Directors. |
Individual Retirement account (IRA) |
1.00% |
Sept 2011 |
1.00% |
$100.00 |
Dividends on IRA shares will be compounded and credited quarterly. Dividend period is a calendar quarterly. Also, certificates are available under the IRA program. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors. |
TYPES OF SHARE CERTIFICATE ACCOUNTS (REGULAR SHARES, IRA AND ***BUMP UP) |
TERMS |
DIVIDEND RATE |
FOR PERIOD |
ANNUAL PERCENTAGE YIELD (APY) |
MINIMUM BALANCE REQUIREMENTS |
**3-MONTHS |
.25% |
N/A |
.25% APY* |
$500.00 |
**6-MONTHS |
.35% |
N/A |
.35% APY* |
$500.00 |
12-MONTHS |
.75% |
N/A |
.75% APY* |
$500.00 |
18-MONTHS |
.80% |
N/A |
.80% APY* |
$500.00 |
24-MONTHS |
1.15% |
N/A |
1.15% APY* |
$500.00 |
36-MONTHS |
1.39% |
N/A |
1.40% APY* |
$500.00 |
48-MONTHS |
1.49% |
N/A |
1.50% APY* |
$500.00 |
60-MONTHS |
1.74% |
N/A |
1.75% APY* |
$500.00 |
Contact a Loan Officer for Mortgage Rates and Terms
**Certificates not available for bump up. ***Will not renew at maturity, one bump up until maturity, can make additional deposits.. Renewed automatically. Dividends compounded and credited the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. 90 days of dividends for 3, 6 & 12 month, 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates will be assessed when funds are withdrawn prior to maturity. *Annual percentages yield Declaration dates: Regular shares dividends effective 3/2011: Share certificates dividends as of 3/2011.
Loan Rates (click here for Savings rates)
|
|
750-up |
710-749 |
670-709 |
630-669 |
600-629 |
550-599 |
<550 |
|
TERM |
A+ |
A |
B |
|
C- |
D |
F |
Signature |
To 12 months |
6.50% |
7.50% |
10.00% |
12.00% |
15.00% |
18.00% |
18.00% |
To 24 months |
7.50% |
8.50% |
11.00% |
13.00% |
16.00% |
18.00% |
18.00% |
To 36 months |
8.50% |
9.50% |
12.00% |
14.00% |
17.00% |
|
|
| |
New Autos and Truck *for over 100% financing see below
|
To 36 months |
2.99% |
2.99% |
3.99% |
5.49% |
7.49% |
14.25% |
18.00% |
To 48 months |
3.99% |
3.99% |
4.49% |
6.49% |
7.99% |
14.50% |
18.00% |
To 66 months |
3.99% |
3.99% |
4.99% |
6.99% |
8.49% |
14.75% |
|
To 72 months |
4.99% |
4.99% |
5.49% |
7.99% |
9.99% |
15.00% |
|
To 84 months |
5.99% |
5.99% |
6.49% |
8.99% |
10.99% |
|
|
| |
Used Auto and Truck *for over 100% financing see below
|
To 36 months |
2.99% |
2.99% |
3.99% |
5.49% |
7.49% |
15.25% |
18.00% |
To 48 months |
3.99% |
3.99% |
4.49% |
5.99% |
7.99% |
15.50% |
18.00% |
To 66 months |
3.99% |
3.99% |
4.99% |
6.99% |
8.49% |
15.75% |
|
To 72 months |
4.99% |
4.99% |
5.49% |
7.99% |
9.99% |
16.00% |
|
To 84 Months |
5.99% |
5.99% |
6.49% |
8.99% |
10.99% |
|
|
| |
New Recreational Vehicles *for over 100% financing see below
|
To 36 months |
3.99% |
3.99% |
4.99% |
6.99% |
8.49% |
16.00% |
18.00% |
To 48 months |
4.99% |
4.99% |
5.99% |
7.99% |
9.49% |
16.25% |
18.00% |
To 60 months |
4.99% |
4.99% |
5.99% |
8.49% |
10.49% |
16.50% |
|
To 72 months |
5.49% |
5.49% |
6.99% |
9.49% |
11.49% |
|
|
To 84 Months |
7.49% |
7.49% |
8.49% |
10.99% |
|
|
|
| |
Used Recreational Vehicles *for over 100% financing see below
|
To 36 months |
3.99% |
3.99% |
4.99% |
7.99% |
9.99% |
17.00% |
18.00% |
To 48 months |
4.99% |
4.99% |
5.99% |
8.49% |
10.49% |
17.25% |
18.00% |
To 60 months |
4.99% |
4.99% |
5.99% |
8.99% |
11.49% |
17.50% |
|
To 72 Months |
5.49% |
5.49% |
6.99% |
10.49% |
|
|
|
To 84 Months |
7.49% |
7.49% |
8.49% |
|
|
|
|
| |
Revolving Credit |
|
10.00% |
10.50% |
11.00% |
|
|
|
|
| |
Share Secured |
|
Dividend Rate plus 2.00% APR |
Certificate Secured |
Up to term of Certficate |
Dividend Rate plus 2.00% APR
|
*Loan to value adjustments: Loans over 100-110% add 1.00%; Loans over 110+% add 1.50%. On credit scores <600, maximum LTV is 80% of the lesser of Purchase Price or NADA average retail.
Blending of Credit Scores: Add scores & divide by applicable # to determine tier. If no score, and no derogatory use "600". If no score but derogatory use "550".
Auto Terms:
- 84 mos - only NEW valued at $30,000+
- 72 mos - 2010, 2011 & 2012 valued at $20,000+
- 66 mos - 2008, 2009, 2010, 2011, 2012
- 60 mos - 2005, 2006, 2007 valued at $15,000+
- 48 mos - 2004, 2005, 2006, 2007
- 36 mos - 2003 and older
* All rates stated as Annual Percentage Rate (APR).
Recreational Vehicle Terms:
- 84 mos- Only NEW valued at $30,000+
- 72 mos - 2011, 2012 valued at $20,000+
- 66 mos - 2010, 2011, 2012
- 48 mos - 2007, 2008, 2009
- 36 mos - 2006 and older
|
Relationship Discounts:***
.25% discount if checking account & automatic/ACH payment
.25% discount if 4 out of the following services:
|
Debit Card |
Direct Deposit |
|
Online Banking |
E Statements |
|
Existing Loan |
Cert of Deposit |
|
Money Market Account |
IRA |
***Membership savings does not apply.
***Not available for HE, HELOC, shares or certificate pledge loans |
All rates stated as Annual Percentage Rate (APR)
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