Rates
Share rates and APY's listed above are accurate for the dividend period ending 02/01/2013. Money Market Rates and APY's listed are accurate for the dividend period ending 06/30/2013. 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 regarding any questions or current rate information. Accounts are federally insured to $250,000 by the National Credit Union Administration.
Auto Loans
| Year | Vehicle Loan % | NADA Amount | Gap Coverage | |
|---|---|---|---|---|
| 2018 | 100% NADA | NADA x loan % | Car | Motorcycle |
| 2015 - 2017 | 100% NADA | amount x 110% (gap) | $325.00 | $300.00 |
| 2010 - 2014 | 85% NADA | amount we loan | ||
Home Loans
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 Percentage Rate. Rates Effective October 1, 2010 and subject to change without notice.
| Loan Type | Variable | Fixed |
|---|---|---|
| Home Equity | Contact the credit union for rate & term information. | Contact the credit union for rate & term information. |
Certificates
| Certificate of Deposit | Dividend Rate | APY** | Minimum Balance |
|---|---|---|---|
| 6 Month Certificate | .15% | .15% | $1000 |
| 12 Month Certificate | .20% | .20% | $1000 |
| 18 Month Certificate | .20% | .20% | $1000 |
| 36 Month Certificate | .55% | .55% | $1000 |
| 48 Month Certiciate | .65% | .65% | $1000 |
| IRA Certificate 12 Month | .20% | .20% | $2000 |
| IRA Certificate 24 Month | .25% | .25% | $2000 |
| IRA Certificate 36 Month | .50% | .50% | $2000 |
Share Rates
| Account | Dividend Rate | APY** | Min Bal |
|---|---|---|---|
| Prime Shares | .010% | .010% | $5.00 |
| Vacation, Christmas, Special | .010% | .010% | $5.00 |
| Money One | .10% | .10% | $10,005 |
| IRA | .01% | .01% | N/A |