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RATES

 

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
1.49%
1.49%
2.49%
To 48 months
1.99%
1.99%
2.99%
To 66 months
2.24%
2.24%
2.99%
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%
2.99%
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. Fees could reduce the earnings on the account.

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%

Jan 2014

.10%

$50.00

Secondary Savings, Cash for College

.10%

Jan 2014

.10%

N/A

Jr. Explorer,
Christmas

.15%

Jan 2014

.15%

5.00-Jr. Explorer
25.00-Christmas

Ultimate Checking
$0-$15,000 Meets Req

2.75%

Jan 2014

2.75%

N/A

Ultimate Checking
Over $15,000 Meets Req.

.10%

Jan 2014

.10%

N/A

Ultimate Checking
Does not meet Req.

.05%

Jan 2014

.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%

Jan 2014

.10%

$2500.00

Money Market
$10,000-24,999

.20%

Jan 2014

.20%

$2500.00

Money Market
$25,000+

.25%

Jan 2014

.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%

Jan 2014

1.00%

Minimum average daily
balance-$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

.50%

N/A

.50% APY*

$500.00

18-MONTHS

.65%

N/A

.65% APY*

$500.00

24-MONTHS

0.85%

N/A

0.85% APY*

$500.00

36-MONTHS

1.04%

N/A

1.05% APY*

$500.00

48-MONTHS

1.24%

N/A

1.25% APY*

$500.00

60-MONTHS

1.54%

N/A

1.55% 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 1/2014: Share certificates dividends as of 1/2014.


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
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
1.49%
1.49%
2.49%
5.49%
8.49%
14.25%
18.00%
To 48 months
1.99%
1.99%
2.99%
6.49%
8.99%
14.75%
18.00%
To 66 months
2.24%
2.24%
2.99%
6.99%
9.49%
15.25%
 
To 75 months
2.49%
2.49%
3.49%
7.99%
10.99%
16.50%
 
To 84 months
2.99%
3.49%
5.49%
8.99%
     
Used Auto and Truck
*for over 100% financing see below
To 36 months
1.49%
1.49%
2.49%
5.49%
8.49%
15.25%
18.00%
To 48 months
1.99%
1.99%
2.99%
5.99%
8.99%
15.75%
18.00%
To 66 months
2.24%
2.24%
2.99%
6.99%
9.49%
16.25%
 
To 72 months 
2.49%
2.49%
3.49%
7.99%
10.99%
17.50%
 
To 84 Months 
2.99%
3.49%
5.49%
8.99%
     
New Recreational Vehicles
*for over 100% financing see below
To 36 months
2.65%
2.65%
2.75%
6.99%
9.49%
16.00%
18.00%
To 48 months
2.75%
2.75%
2.99%
7.99%
10.49%
16.25%
18.00%
To 60 months   
2.75%
2.75%
3.99%
8.49%
11.49%
16.50%
 
To 72 months 
3.99%
4.49%
6.99%
9.49%
     
To 84 months
5.49%
5.99%
7.49%
10.49%
     
 
To 96 months 
7.49%
7.99%
8.49%
       
 
To 120 months
7.99%
8.49%
8.99%
       
 
To 144 months
8.49%
8.99%
9.49%
       
Used Recreational Vehicles
*for over 100% financing see below
To 36 months
2.65%
2.65%
2.75%
7.99%
9.99%
17.00%
18.00%
To 48 months
2.75%
2.75%
2.99%
8.49%
10.49%
17.25%
18.00%
To 60 months 
2.75%
2.75%
3.99%
8.99%
11.49%
17.50%
 
To 72 months 
4.99%
5.49%
6.99%
10.49%
     
To 84 months
5.49%
6.49%
7.99%
11.49%
     
 
To 96 months 
7.49%
7.49%
8.49%
       
 
To 120 months
7.99%
7.99%
9.99%
       
Revolving Credit
10.00%
10.50%
11.00%
13.00%
16.00%
   
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 Retail value. On credit scores 600-629, maximum LTV is 90% of the lesser of Purchase Price or NADA Retail value.

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+
  •    75 mos - vehicle valued at $25,000+
  •    66 mos - vehicle valued at $20,000+
  •    48 mos - vehicle valued at $15,000+
  •    36 mos - vehicle valued less than $15,000.

* All rates stated as Annual Percentage Rate (APR).

Recreational Vehicle Terms:

  • 144 mos- Only NEW valued at $50,000+
  • 120 mos- Only NEW valued at $45,000+
  • 96 mos- Only NEW valued at $35,000+
  • 72 mos - valued at $25,000+
  • 60 mos - 2012 - 2014
  • 48 mos - 2009 - 2011
  • 36 mos - 2008 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 shares or certificate pledge loans

All rates stated as Annual Percentage Rate (APR)

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