Vehicle Loans
Cars and Trucks
Cars and Trucks / New and Program
Term |
APR* |
Credit Rating |
60 months |
as low as 3.25% |
A+ |
72 months |
as low as 3.50% |
A+ |
84 months |
as low as 4.00% |
A+ |
Used Cars
Term |
APR* |
Credit Rating |
60 months |
as low as 3.50% |
A+ |
72 months |
as low as 3.75% |
A+ |
84 months |
as low as 4.25% |
A+ |
Boats, Jet Skis & Motorcycles
Term |
APR* |
Credit Rating |
Up to 120 Months |
as low as 5.00% (48 month rate) |
A+ |
RV’s & Campers
Term |
APR* |
Credit Rating |
Up to 144 months |
as low as 5.25% (60 month rate) |
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 – re-qualifies every 3 years |
15.00% |
A+ – B |
Overdraft Protection Loans
Overdraft Protection Loans
Term |
APR* |
Credit Rating |
up to 30 months/re-qualifies every 3 year |
15.00% |
A+ – B |
Real Estate
Real Estate Loans
Real Estate Loans
Product |
Term |
APR* |
Credit Rating |
FIRST MORTGAGE |
up to 30 year amortization |
market |
A |
CONSTRUCTION |
up to 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 |
As low as 6.25% |
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 |
0.05 |
0.05 |
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 |
0.10 |
0.10 |
n/a |
$10,000-$25,000 |
0.10 |
0.10 |
n/a |
$25,000 and up |
0.10 |
0.10 |
n/a |
IRA/ Regular Shares |
0.25 |
0.25 |
n/a |
Checking
Checking
Product |
Dividend/Interest Rate |
APY* |
Term |
Prestige Checking |
0.05 |
0.05 |
n/a |
CDs & IRAs
CDs & IRAs
Product |
Dividend/Interest Rate |
APY* |
Term |
CDs (Minimum Deposit $1000) |
6 Month Certificate |
0.20 |
0.20 |
6 |
12 Month Certificate |
0.30 |
0.30 |
12 |
18 Month Certificate |
0.45 |
0.45 |
18 |
24 Month Certificate |
0.45 |
0.45 |
24 |
36 Month Certificate |
0.50 |
0.50 |
36 |
48 Month Certificate |
0.55 |
0.55 |
48 |
60 Month Certificate |
0.60 |
0.60 |
60 |
IRAs |
24 Month Certificate |
0.45 |
0.45 |
24 |
36 Month Certificate |
0.50 |
0.50 |
36 |
48 Month Certificate |
0.55 |
0.55 |
48 |
60 Month Certificate |
0.60 |
0.60 |
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
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.