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Share rates and APY's listed above are qccurate for the dividend period ending 12/31/2007. Money Market Rates and APY's listed are accurate for the dividend period ending 12/31/2007. Dividend rates and APY's for future periods have not been determined. Rates subject to change without notice. Fees may reduce earnings on these accounts. The dividend period for all accounts is quarterly. Penalties may be applied if withdrawls are made before the maturity date on Certificates. Please contact the Credit Union at (502)772-5780 in Louisville or (502)348-8130 in Bardstown reguarding any questions or current rate information. Accounts are federally insured to $100,000 by the National Credit Union Administration.
Rates of all Secured Non-Real Estate Loans
(Boats, Campers, Motorcycles, R.V.s)
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Apr**
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Term
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Payment Example
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As low as 5.50%
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24 mo
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$440.13 (based on $10,000)
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As low as 5.75%
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36 mo
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$302.50 (based on (10,000)
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As low as 6.00%
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48 mo
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$234.38 (based on $10,000)
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As low as 6.25%
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60 mo
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$194.09 (based on $10,000)
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As low as 6.50%
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72 mo
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$335.48 (based on $20,000)
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Signature/Unsecured
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As low as 9.25%
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Up to 48 mo
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$124.64 (based on $5,000)
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Year
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Vehicle Loan %
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| 2006-2007 |
(under 15K) 100% |
| 2005 |
90% NADA |
| 2004-2003 |
85% NADA |
| 2002-2000 |
80% NADA
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| 1999 and older |
75%NADA |
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NADA x loan %
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amount x 110% (gap)
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Amount we Loan
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Gap Coverage
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| Car |
Motorcycle |
| $295.00 |
$330.00 |
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Variable
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Fixed
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Home Equity
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Contact credit union for rate & term information
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Contact credit union for rate & term information
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All rate except Home Equity Lines of Credit are Fixed. IMPORTANT NOTICE: The Final Annual Percentage rate will be based on the Applicant's Credit Score and may vary from the rates listed above. The term and amount financed may vary based on vehicle condition and the applicant's credit history.
**Annual Percentag Rate. Rates Effective November 1, 2006 and subject to change without notice.
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Certificate of Deposit
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Dividend Rate
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APY
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Minimum Balance
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|
6 Month Certificate
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3.00%
|
3.03%
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$1000
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| 12 Month Certificate |
3.05%
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3.08%
|
$1000
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| 18 Month Certificate |
3.25%
|
3.29%
|
$1000
|
| IRA Certificate 12 Month |
3.00%
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3.03%
|
$2000
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| IRA Certificate 24 Month |
3.05%
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3.08%
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$2000
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| IRA Certificate 36 Month |
3.25%
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3.29%
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$2000
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Account
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Dividend Rate
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APY
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Min Bal
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Prime Shares
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1.00%
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1.00%
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$5.00
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Vacation, Christmas, Special
|
.50%
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.50%
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$5.00
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| Money One |
2.25%
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2.27%
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$10,005
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IRA
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2.25%
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2.27%
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N/A
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