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NCUALOGO

Deposit Accounts Rates

Rates and annual percentage yields effective February 1st, 2014 and are subject to change without prior notice.

ACCOUNT TYPE

Annual PercentageYield

Minimum Balance to Obtain APY*

Dividends; Compounding Crediting and Frequency

Regular Shares (Savings)

.05%

$100.00

Quarterly

Secondary & Escrow Shares

.05%

$100.00

Quarterly

Interest Checking

.01%

$100.00

Monthly

 

 

Free & Regular Checking

N/A

N/A

N/A

Holiday & Summer Club Accounts

.05%

$100.00

Quarterly

IRA* Shares

.10%

$100.00

Quarterly

Money Market Shares
(Regular & IRA*)

.00%

$100.00

 

Monthly

.05%

$2,500.00

.05%

$10,000.00

.05%

$25,000.00

.15%
.15%

$50,000.00
 $100,000.00

Money Market Plus 
  (Regular & IRA)

.00%
.10%
.15%
.20%

$100.00 
$25,000.00
$50,000.00
$100,000.00

Monthly 

 

CERTIFICATE ACCOUNTS:

TYPE AND TERM

MINIMUM BALANCE TO OPEN & OBTAIN ANNUAL PERCENTAGE YIELD

DIVIDEND RATE

ANNUAL PERCENTAGE YIELD

3 - 5 Month Certificate 

$1,000.00

.05%
.05%

6 - 11 Month Certificate 

$500.00

.25%
.25%

12 - 17 Month Certificate

$500.00

.30%
.30%
18 - 23 Month Certificate

 $500.00

.40%

.40%

24 - 35 Month Certificate

$500.00

.50%
.50%
36 - 48 Month Certificate

$500.00

.65%
.65%
3 - 5 Month Jumbo Certificate

$25,000.00

.05%
.05%

6 - 11 Month Jumbo Certificate

$25,000.00

.25%
.25%

12 - 17 Month Jumbo Certificate

$25,000.00

.30%
.30%
18 - 23 Month Jumbo Certificate

 $25,000.00

.40%

.40% 

24 - 35 Month Jumbo Certificate

$25,000.00

.50%
.50%
36 - 48 Month Jumbo Certificate

$25,000.00

.65%
.65%

 

     

3 - 5 Month IRA* Certificate

$1,000.00
.10%
.10%
6 - 11 Month IRA* Certificate
$500.00
.30%
.30%

12 - 17 Month IRA* Certificate

$500.00
.35%
.35%
18 - 23 Month IRA* Certificate

 $500.00

.45%

.45%

24 - 35 Month IRA* Certificate
$500.00
.55%
.55%
36 - 48 Month IRA* Certificate
$500.00
.70%
.70%

 

     
3 - 5 Month Jumbo IRA* Certificate
$25,000.00
.10%
.10%
6 - 11 Month Jumbo IRA* Certificate
$25,000.00
.30%
.30%
12 -17 Month Jumbo IRA* Certificate
$25,000.00
.35%
.35%
18 -23 Month Jumbo IRA* Certificate

$25,000.00

.45%

.45%

24 -35 Month Jumbo IRA* Certificate
$25,000.00
.55%
.55%
36 -48 Month Jumbo IRA* Certificate
$25,000.00
.70%
.70%

Certificate accounts are subject to an early withdrawal penalty.(See next page for details) Certificate dividends are paid and compounded monthly. Penatlies will reduce earnings. IRA accounts include Traditional IRA, Roth IRA and Coverdale Educational Savings Accounts.

All rates are subject to change at any time without prior notice. Fees may reduce earnings.
New Certificate account rates are subject to change at any time without prior notice. Fees may reduce earnings.

*IRA = Individual Retirement Account & Coverdale/Educational Savings Account
** APY = ANNUAL PERCENTAGE YIELD 


Regular accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government.
IRA accounts are federally insured up to $250,000.00 by N.C.U.A., an agency of the U.S. government.

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Loan Rates

As of October 1st, 2014. Rates subject to change without prior notice. 
APR = Annual Percentage Rate

NEW AUTO, TRUCK & VAN LOANS*
To purchase or refinance a recently purchased new auto or truck. Rates also apply for purchases or refinances of 2014 and 2015 used models with less than 20,000 miles.

 

10% Down

0% Down

Up to 36 months, as low as:

1.99% APR

1.99% APR

37 to 48 months, as low as:

1.99% APR

1.99% APR

48 to 60 months, as low as:

1.99% APR

1.99% APR

61 to 84 months, as low as:

2.74% APR

2.74% APR

 *Rates include a 1/4% automatic repayment discount, and online application discount of 0.10%. Rates, down payment and terms will depend on past credit history. The minimum rate is 1.99% APR. APR = annual percentage rate. Down payment includes cash or valid trade-in credit.

We do more than financing! Check out our new AutoSMART Center
View detailed Auto Loan information. | Apply for a consumer loan!


 


USED AUTO, TRUCK, SUV & VAN LOANS*

To purchase (from a dealer or private party) or refinance a model year 2013 thru 2002 vehicle*.

 

10% Down

0% Down

Up to 36 months, as low as:

2.24% APR

2.24% APR

37 to 48 months, as low as:

2.24% APR

2.24% APR

49 to 60 months, as low as:

2.24% APR

2.39% APR

61 to 72 months, as low as:

2.99% APR

3.14% APR

*Rates include a 1/4% automatic repayment discount, and online application discount of 0.10%. Minimum rate is 2.24% APR for terms up to 5 years and 2.99% APR for terms greater than 6 years.. APR = annual percentage rate. Rates, down payment and terms will depend on past credit history. Down payment includes cash and valid trade-in credit. The rate for model year 2008 thru 2010 or older vehicles is 3/4% higher than the rates listed above (1.75% higher for models 2007 or older). Minimum vehicle value of $5,000 required for model year 2007 and older. Model 2014 and 2015 vehicles with less than 20,000 miles qualify for the new vehicle rates listed above.

We do more than financing! Check out our new AutoSMART Center
View detailed Auto Loan information | Apply for a consumer loan!



Personal Loans

Rates are as low as 8.89%, terms up to 54 months (assuming a credit score of 730+).

View detailed Personal Loan information | Apply for a consumer loan!

 


 

Education & Computer Loans

Rates are as low as 7.99% APR, terms up to 18-months.
1/4% rate discount for automatic payment.

View detailed Education & Computer Loan information | Apply for a consumer loan

 


 


Home Equity Credit Line Rates
 

Introductory rate of 1.99% for the first 4 months after opening. Ongoing rates are:

Line of Credit Limit  Up to 80% LTV, rates as low as Up to 90% LTV, rates as low as 
$25,000 to $150,000 Prime -3/4% (currently 3.50%*)  Prime -1/4% (currently 3.50%*) 
$5,000 to $24,999 Prime -1/2% (currently 3.50%*)  Prime +0 (currently 3.50%*) 

 

A revolving line of credit secured by your primary residence. *The lifetime floor/minimum interest rate is 3.50%. The maximum line available is $200,000.00. LTV = loan-to-value. Available in MD, VA, PA, DE and DC. No closing costs are charged (restrictions apply).

View detailed Home Equity Loan information
 |
Apply for a home equity loan!


Fixed-Rate Home Equity Loan Rates (new rates effective October 21st, 2013)

A fixed rate installment loan secured by your primary residence.

 
Up to 70%
Loan to value
Up to 80%
Loan to Value
Up to 90%
Loan to Value
Up to 5 years, as low as:
3.84%
3.99%
4.74%
Up to 7 years, as low as:

4.34%

4.49%

 5.24%

Up to 10 years, as low as:
5.09%
5.24%
5.99%
Up to 15 years, as low as:
5.59%
5.74%
6.49%

LTV = maximum loan-to-value. Available on your primary residence in MD, VA, PA, DE and DC. No closing cost loans are available (restrictions apply). Deduct 1/4% if the new Credit Union loan will be the only mortgage on the home. The home appraisal fee is typically waived (a $325 value). Maximum loan is $150,000 for terms of 7-years or less, otherwise $100,000.

View detailed Fixed Rate Home Equity Loan information | Apply for a home equity loan!



Boat & Recreational Vehicle Loans*

Including power, sail, pontoon and personal water craft, travel trailers, campers and motor homes. Rates as low as:

Loan Term

Loans $25,000 to $100,000

Loans $15,000 to $24,999

Loans under $15,000

5 Years

4.49% APR

5.24% APR

5.74% APR

6 - 10 Years

4.49% APR

5.74% APR

6.24% APR

11- 15 Years

4.74% APR

Not Available

Not Available

 

 

 

 

*Rates include a 1/4% automatic repayment discount and assume credit score of 730+. Other rates apply for lower credit scores. APR = Annual Percentage Rate.
Rates assume 20% down payment. Rate 1/4% less if 30% or greater down, subject to 4.49% minimum rate.
(1/4% discount available if member elects 5-year balloon payment (minimum loan of $25,000 required)

View detailed Boat & RV Loan information | Apply for a consumer loan!


 


Motorcycle Loans*

Rates as low as:

Term

New Rate

Used Rate

4-Years 5.99% APR 6.49% APR
Up to 5 1/2 Years 6.24% APR 6.74% APR (5-year)

*Rates include a 1/4% automatic repayment discount. 1/4% off if put 40% down.
APR = Annual Percentage Rate


View detailed Motorcycle Loan information
|
Apply for a consumer loan!



Share & Certificate Loans

(Borrow against your share/savings or a regular certificate account - excluding IRA's)

Share Loans 4.0% APR (Annual Percentage Rate)
Certificate Loans current certificate rate plus 2.5% APR

View detailed Share & Certificate Loan information | Apply for a consumer loan!




RediLine Checking Overdraft Loan
 15.9% APR
APR = Annual Percentage Rate

View detailed RediLine information | Apply for a consumer loan!

Rates are subject to change at any time. Automatic loan repayment options available are 1) payroll deduction (from any employer), or 2) weekly or monthly automatic transfer from a LM Federal share, secondary share, checking or money market account. APR = annual percentage yield.

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 ACCOUNT SERVICE FEES: 

As the Credit Union is a member owned financial cooperative, our fees are typically lower than the fees charged by other financial service providers. Click here for the current fee schedule.

 

 

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NCUALOGO

 
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