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Rates 
Effective May 19, 2010.
Saving & Certificate Rates
| Share Savings | ||
|---|---|---|
| Shares | Rate (APR) | Yield (APY) |
| $25 - $1,000 | 0.30% | 0.30% |
| > $1,000 - $5,000 | 0.40% | 0.40% |
| > $5,000 | 0.55% | 0.55% |
| Share Drafts (Checking) | ||
| Share Drafts | Rate (APR) | Yield (APY) |
| $1,000 Daily Balance | 0.50% | 0.50% |
| Christmas & Vacation Clubs | ||
| Clubs | Rate (APR) | Yield (APY) |
| Christmas | 1.00% | 1.00% |
| Vacation | 1.00% | 1.00% |
| Christmas
Club is compounded daily and paid annually on October
31. Vacation Club is compounded daily and paid annually on April 30. |
||
| Pee Wee Share Certificates | ||
| PeeWee Certificates | Rate (APR) | Yield (APY) |
| 6 month - $500 or more | 1.00% | 1.00% |
| 12 month - $500 or more | 1.15% | 1.15% |
| PeeWee Certificate is for newborn through 16 years of age. | ||
| Share Certificates | ||
| Certificates | Rate (APR) | Yield (APY) |
| 6 month - $1,000 | 1.00% | 1.00% |
| 6 month - $10,000 | 1.10% | 1.10% |
| 6 month - $50,000 | 1.15% | 1.15% |
| 6 month - $99,000 | 1.25% | 1.25% |
| Interest paid at maturity. All rates are subject to change. | ||
| Certificates | Rate (APR) | Yield (APY) |
| 1 year - $1,000 | 1.15% | 1.15% |
| 1 year - $10,000 | 1.25% | 1.25% |
| 1 year - $50,000 | 1.30% | 1.30% |
| 1 year - $99,000 | 1.40% | 1.40% |
| Interest paid at maturity. All rates are subject to change. | ||
| Certificates | Rate (APR) | Yield (APY) |
| 2 years - $1,000 | 1.50% | 1.51% |
| 2 years - $10,000 | 1.60% | 1.61% |
| 2 years - $50,000 | 1.75% | 1.76% |
| 2 years - $99,000 | 1.85% | 1.86% |
| Interest paid at twice annually/6-30 & 12/31. All rates are subject to change. | ||
| Certificates | Rate (APR) | Yield (APY) |
| 3 years - $1,000 | 1.75% | 1.76% |
| 3 years - $10,000 | 2.00% | 2.01% |
| 3 years - $50,000 | 2.00% | 2.01% |
| 3 years - $99,000 | 2.25% | 2.26% |
| Interest paid at twice annually/6-30 & 12/31. All rates are subject to change. | ||
Please call for rates on longer term certificates.
We may change the dividend rate for your account as determined by the Credit Union Board of Directors. Funds are insured by NCUA Insurance up to $250,000 per depositor.
Loans
Professional & Personal Auto Financing
Funeral Service Credit Union specializes in loans for hearses, limousines and other funeral vehicles.
We may change the dividend rate as determined by the Credit Union Board of Directors. Funds are insured by NCUA Insurance up to $100,000 per depositor.
We may match any verifiable Fixed Rate APR** offered by another financial institution excluding GMAC, Ford Motor Credit, etc. All rates are subject to change without notice.
| AUTO LOANS | ||||
| New Autos (Never Titled) | 2005-2009 Autos | |||
| Fixed Rate APR** | Term of Loan | Fixed Rate APR** | Term of Loan | |
| 4.99% | up to 60M | 5.25% | up to60M | |
| 5.99% | *72M | 6.25% | *72M | |
| *72 month financing available for $30,000 or more | ||||
| 2005 - 2009 Autos | 2002-2004 Autos | |||
| 5.25% | Up to 60 Moup | 6.75% | up to 48M | |
| * 72 Month Financing available for $30,000 or more | ||||
| 6.25% | 72Mo | |||
| 1990-2001 Autos | ||||
| 7.75% | up to 36M | |||
| MOTORCYCLES, BOATS, RV'S | ||||
| New (Never Titled) | 1995-2008 Used | |||
| 6.00% | 24M | 6.75% | 24M | |
| 6.25% | 36M | 7.00% | 36M | |
| 6.50% | 48M | 7.25% | 48M | |
| 6.75% | 60M | 7.50% | 60M | |
| We will finance 100% of the Retail Value listed in current NADA Official Used Car Guide | ||||
| PERSONAL LOANS | ||||
| Unsecured Loan (up to $15,000) | Share Secured Loan | |||
| 14.00% | Up to 60 Mo | 4% above dividend rate paid on shares being pledged | ||
| 14.00% | 24M | |||
| 14.00% | 36M | |||
| 14.00% | 48M | |||
| 14.00% | 60M | |||
| VISA CARDS | ||||
| Visa Classic & Visa Secured | Visa Platinum | |||
| 13.00% | 9.90% | |||
*Rates effective as of 5/19/2010 but all rates are subject to change.
**APR is The Annual Percentage Rate
We may match any verifiable Fixed Rate APR** offered by another financial institution excluding GMAC, Ford Motor Credit, etc. All rates are subject to change without notice.