Rates
Rates Effective July 14, 2010 (Rates subject to change without notice) | Click here to check out our Financial Calculators! |
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 BALANCE REQUIREMENTS |
Primary savings (share) |
.15% |
July 2010 |
.15% |
Min. daily balance-
$50.00 |
Secondary Savings |
.15% |
July 2010 |
.15% |
N/A |
Pee Wee, Christmas |
.25% |
July 2010 |
.25% |
Min Balance-
$5.00 |
Ultimate Checking
$0-$25,000 Meets Req |
4.90% |
July 2010 |
5.00% |
N/A |
Ultimate Checking
Over $25,000 Meets Req. |
.75% |
July 2010 |
.75% |
N/A |
Ultimate Checking
Does not meet Req. |
.15% |
July 2010 |
.15% |
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 |
.25% |
July 2010 |
.25% |
Min. avg. daily balance $2500.00 |
Money Market
$10,000-24,999 |
.50% |
July 2010 |
.50% |
Min. avg. daily balance $2500.00 |
Money Market
$25,000+ |
.75% |
July 2010 |
.75% |
Min. avg. daily balance $2500.00 |
Transaction limitations: Limit of withdrawals or transfers is three (3) 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) |
1.49% |
July 2010 |
1.50% |
Min. daily balance-$100.00 |
Dividends on all IRA’s will be compounded and credited Monthly. Dividend period-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. |
Checking (Share draft) |
N/A |
|
N/A |
$50.00 to open account |
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 |
.35% |
N/A |
.35% APY* |
$500.00 |
**6-MONTHS |
.50% |
N/A |
.50% APY* |
$500.00 |
12-MONTHS |
1.00% |
N/A |
1.00% APY* |
$500.00 |
18-MONTHS |
1.09% |
N/A |
1.10% APY* |
$500.00 |
24-MONTHS |
1.54% |
N/A |
1.55% APY* |
$500.00 |
36-MONTHS |
2.03% |
N/A |
2.05% APY* |
$500.00 |
48-MONTHS |
2.23% |
N/A |
2.25% APY* |
$500.00 |
60-MONTHS |
2.72% |
N/A |
2.75% APY* |
$500.00 |
**Certificates not available for bump up. ***Will not renew at maturity, one bump up until maturity, can make additional deposits.
No 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 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 06/01/09: Share certificates as of 06/01/09
Loan Rates (click here for Savings rates)
|
|
750-up |
749-700 |
650-699 |
600-649 |
550-599 |
<550 |
|
TERM |
A+ |
A |
B |
C |
D |
F |
Signature |
To 12 months |
8.50% |
9.00% |
10.00% |
12.00% |
13.00% |
18.00% |
To 24 months |
9.50% |
10.00% |
11.00% |
13.00% |
14.00% |
18.00% |
To 36 months |
10.50% |
11.00% |
12.00% |
14.00% |
15.00% |
|
To 48 months |
11.50% |
12.00% |
13.00% |
15.00% |
|
|
| |
New Autos and Truck *for over 100% financing see below
|
To 36 months |
5.00% |
5.25% |
5.50% |
8.25% |
14.25%** |
18.00%** |
To 48 months |
5.25% |
5.50% |
5.75% |
8.50% |
14.50%** |
18.00%** |
To 66 months |
5.50% |
5.75% |
6.00% |
8.75% |
14.75%** |
|
To 72 months |
5.75% |
6.00% |
6.25% |
9.00% |
15.00%** |
|
To 84 months |
6.50% |
6.75% |
7.25% |
10.00% |
|
|
| |
Used Auto and Truck *for over 100% financing see below
|
To 36 months |
5.00% |
5.25% |
6.00% |
9.25% |
15.25%** |
18.00%** |
To 48 months |
5.25% |
5.50% |
6.25% |
9.50% |
15.50%** |
18.00%** |
To 66 months |
5.50% |
5.75% |
6.50% |
9.75% |
15.75%** |
|
To 72 months |
5.75% |
6.00% |
6.75% |
10.00% |
16.00%** |
|
To 84 Months |
6.50% |
7.00% |
7.75% |
11.00% |
|
|
| |
New Recreational Vehicles *for over 100% financing see below
|
To 36 months |
6.50% |
7.00% |
8.50% |
10.00% |
16.00%** |
18.00%** |
To 48 months |
6.75% |
7.25% |
8.75% |
10.25% |
16.25%** |
18.00%** |
To 60 months |
7.00% |
7.50% |
9.00% |
10.50% |
16.50%** |
|
To 72 months |
7.25% |
7.75% |
9.25% |
10.75% |
16.75%** |
|
To 84 Months |
7.50% |
8.00% |
9.50% |
11.00% |
|
|
| |
Used Recreational Vehicles *for over 100% financing see below
|
To 36 months |
7.50% |
8.00% |
9.50% |
11.00% |
17.00%** |
18.00%** |
To 48 months |
7.75% |
8.25% |
9.75% |
11.25% |
17.25%** |
18.00%** |
To 60 months |
8.00% |
8.50% |
10.00% |
11.50% |
17.50%** |
|
To 72 Months |
8.25% |
8.75% |
10.25% |
11.75% |
17.75%** |
|
To 84 Months |
8.50% |
9.00% |
10.50% |
12.00% |
|
|
| |
Revolving Credit |
5% of balance |
10.00% |
10.50% |
11.00% |
13.00% |
14.00% |
|
| |
Share Secured |
To 12 Months |
Dividend Rate plus 2.00% APR |
Certificate Secured |
Up to term of Certficate |
Dividend Rate plus 2.00% APR
|
| |
Home Equity &
Improvement Fixed
|
To 60 months |
5.50% |
5.75% |
6.00% |
7.50% |
13.00% |
18.00% |
To 96 months |
6.50% |
6.75% |
7.50% |
8.75% |
|
|
To 120 months |
7.50% |
7.75% |
8.50% |
10.00% |
|
|
| |
Home Equity Line of Credit Variable |
|
|
|
|
C+ |
|
|
Loan to Value |
750-up |
700-749 |
650-699 |
625-649 |
|
|
Up to 80% |
-0.50% |
-0.25% |
0% |
0.50% |
|
|
80%-90% |
0% |
0.25% |
0.75% |
1.50% |
|
|
| |
Mortgage |
To 360 Months |
Rates set daily. Please consult a loan officer. |
|
*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, use "600".
Auto Terms:
- 84 mos - only NEW valued at $30,000+
- 72 mos - 2008, 2009 & 2010 valued at $20,000+
- 66 mos - 2007, 2008, 2009, 2010
- 48 mos - 2003, 2004, 2005, 2006
- 36 mos - 2002 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 |
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