Vehicle Loans
Cars and Trucks
Cars and Trucks / New and Program
| Term |
APR* |
Credit Rating |
| N/A |
as low as 3.00% |
A+ |
Used Cars
| Term |
APR* |
Credit Rating |
| N/A |
as low as 3.75% |
A+ |
Boats, Jet Skis & Motorcycles
| Term |
APR* |
Credit Rating |
| Up to 120 Months |
as low as 6.75% |
A+ |
RV’s & Campers
| Term |
APR* |
Credit Rating |
| Up to 144 months |
as low as 7.00% |
A+ |
Personal Loans
Share/CD Secured Loans
Share/CD Secured Loans
| Product |
Term |
APR* |
Credit Rating |
| SHARES |
Up to 48 months |
2.5% + share/cd rate |
A+ |
| CD SECURED |
Loan Rate Renews @ end of CD term |
2.5% + share/cd rate |
A+ |
Signature Loans
Signature Loans
| Term |
APR* |
Credit Rating |
| Up to 48 months |
as low as 11.00% |
A+ |
Open Line of Credit Loans
Open Line of Credit Loans
| Term |
APR* |
Credit Rating |
| No Set Term – requalifies every 3 years |
15.00% |
A+ – B |
Overdraft Protection Loans
Overdraft Protection Loans
| Term |
APR* |
Credit Rating |
| up to 30 months/requalifies every 3 year |
15.00% |
A+ – B |
Real Estate
Real Estate Loans
Real Estate Loans
| Product |
Term |
APR* |
Credit Rating |
| FIRST MORTGAGE |
5 year balloon/30 year amortization |
market |
A |
| CONSTRUCTION |
5 year balloon/30 year amortization |
market |
A |
Real Estate Loans / 2nd Mortgage / Lot Loans
Real Estate Loans / 2nd Mortgage / Lot Loans
| Term |
APR* |
Credit Rating |
| up to 120 months |
market |
A |
| lot loans – up to 144 months – up to 100% financing |
market |
A |
Home Equity Line of Credit
Home Equity Line of Credit
| Term |
APR* |
Credit Rating |
| 60/120 months |
Prime |
A |
Deposits
Savings
Savings
| Product |
Dividend/Interest Rate |
APY* |
Term |
| Regular Shares |
0.20 |
0.20 |
n/a |
| Lucky Lagniappe Savings |
0.10 |
0.10 |
n/a |
| Special Shares/Vacation Club |
0.05 |
0.05 |
n/a |
| Christmas Club |
0.05 |
0.05 |
n/a |
| L’argent Money Market |
|
|
|
| $500-$10,000 |
0.30 |
0.30 |
n/a |
| $10,000-$25,000 |
0.40 |
0.40 |
n/a |
| $25,000 and up |
0.50 |
0.50 |
n/a |
| IRA/ Regular Shares |
0.45 |
0.45 |
n/a |
Checking
Checking
| Product |
Dividend/Interest Rate |
APY* |
Term |
| Prestige Checking |
0.15 |
0.15 |
n/a |
CDs & IRAs
CDs & IRAs
| Product |
Dividend/Interest Rate |
APY* |
Term |
| CDs (Minimum Deposit $1000) |
| 6 Month Certificate |
0.50 |
0.50 |
6 |
| 12 Month Certificate |
1.00 |
1.00 |
12 |
| 18 Month Certificate |
1.00 |
1.00 |
18 |
| 24 Month Certificate |
2.00 |
2.02 |
24 |
| 36 Month Certificate |
2.75 |
2.78 |
36 |
| 48 Month Certificate |
3.00 |
3.04 |
48 |
| 60 Month Certificate |
3.25 |
3.30 |
60 |
| IRAs |
| 24 Month Certificate |
2.00 |
2.02 |
24 |
| 36 Month Certificate |
2.75 |
2.78 |
36 |
| 48 Month Certificate |
3.00 |
3.04 |
48 |
| 60 Month Certificate |
3.25 |
3.30 |
60 |
*APR = Annual Percentage Rate. All Secured Loans are available for an estimated term of 12, 24, 36, 48, 60 or 72 months. Your exact ANNUAL PERCENTAGE RATE for a signature or secured loan will be determined at the time you apply for a particular loan, based upon your credit worthiness at that time and will be disclosed on your Advance Request Voucher/Disbursement Voucher.
*APY = Annual Percentage Yield. ALL SAVINGS ACCOUNTS ARE FEDERALLY INSURED THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA),
AN AGENCY OF THE U.S. GOVERNMENT
THE EMERGENCY ECONOMIC STABILIZATION ACT OF 2008, SIGNED INTO LAW ON OCTOBER 3, 2008, INCREASED THE INSURANCE COVERAGE ON ALL ACCOUNTS UP TO $250,000.00 THROUGH DECEMBER 31, 2009.
ALSO, PREVIOUS LEGISLATION THAT INCREASED NCUSIF COVERAGE FOR RETIREMENT ACCOUNTS ALSO HAS A PROVISION FOR POTENTIAL INCREASES IN THE INSURANCE LIMITS ON ALL SHARE ACCOUNTS, INCLUDING RETIREMENT ACCOUNTS, EVERY FIVE YEARS. THIS PROCESS WILL BEGIN IN 2011. CHANGES, IF THEY OCCUR AT ALL, WILL BE BASED, IN PART, ON INFLATION.
