Consumer's Federal Credit Union
301 W. Highway 18
PO Box 69
Gregory, SD 57533
Phone:
605-835-8749
Fax:
605-835-9413
E-MAIL:
consfcu@gwtc.net
|
|
**Annual Percentage Rate
*ACTIVE account = 10 checks per month |
| Operating Loans |
| |
Active Account* (APR**) |
Inactive Account* (APR**) |
| Yearly Pay |
6.50% |
7.50% |
| Monthly Pay |
6.00% |
7.00% |
| Cattle/Livestock Loans |
| Up to 3 years |
7.50% |
8.50% |
| Over 3 years to 5 years |
8.00% |
9.00% |
| Consolildation Loans |
| Up to 3 years |
10.00% |
11.00% |
| Over 3 years to 5 years |
10.00% |
11.00% |
| Signature Loans below $500.00 |
| To 1 year |
10.00% |
11.00% |
| *Rewrite loans |
| Rewrite Loans - $50.00 (interest paid to date of rewrite) |
| Loan Application - $20.00 |
| New loan - $20.00 |
| ACTIVE account = 10 checks per month |
| Farm/Business/Machinery |
| Credit Score |
APR |
APR |
| 700-800 |
| New |
5.75% |
6.75% |
| Used |
6.25% |
7.25% |
| 600-699 |
| New |
6.75% |
7.75% |
| Used |
7.25% |
8.25% |
| *500-599 |
| New |
7.75% |
8.70% |
| Used |
8.25% |
9.25% |
| *400-499 |
| New |
8.75% |
9.75% |
| Used |
9.25% |
10.25% |
Fees
Rewrite Loans-$50.00 (interest paid to date of rewrite)
Loan Application-$20.00 |
| * May need co-signer |
| Vehicle Rates |
| Credit Score |
APR |
APR |
| 700-800 |
| 2009 and newer |
5.00% |
6.00% |
| 2008 and older |
5.25% |
6.25% |
| 600-699 |
| 2009 and newer |
5.75% |
6.75% |
| 2008 and older |
6.00% |
7.00% |
| *500-599 |
| 2009 and newer |
6.75% |
7.75% |
| 2008 and older |
7.00% |
8.00% |
| *400-499 |
| 2009 and newer |
8.00% |
9.00% |
| 2008 and older |
8.25% |
9.25% |
| Special 3 year loan 4.25% with checking 5.25% without checking MUST have above 720 credit score and be a 2010 vehicle. |
| Manager has right of say over all printed material. |
| *may need co-signer |
* Annual Percentage Yield
Effective Date - January 3, 2010 |
| Share Term Certificates |
| 6 months |
Dividend |
APY* |
2.00% Starting Divident Rate
2.01% Starting APY
0.10% Increment Level Divident Rate
0.10% Increment Level APY Rate |
| $1,000.00-$24,999.99 |
0.50% |
0.50% |
| $25,000.00-$49,999.99 |
0.60% |
0.60% |
| $50,000.00-$99,999.99 |
0.70% |
0.70% |
| 1 year |
| $1,000.00-$24,999.99 |
0.80% |
0.80% |
|
| $25,000.00-$49,999.99 |
0.90% |
0.90% |
|
| $50,000.00-$99,999.99 |
1.00% |
1.00% |
|
| Dividends will not be compounded and will be paid upon maturity. |
| 2 year |
| $1,000-$24,999.99 |
1.10% |
1.10% |
|
| $25,000.00-$49,999.99 |
1.20% |
1.20% |
|
| $50,000.00-$99,999.99 |
1.30% |
1.30% |
|
| Dividends will not be compounded. You may choose to have dividens paid to you or to another account semi-annually. |
| 3 year |
| $1,000.00-$24,999.99 |
1.40% |
1.40% |
|
| $25,000.00-$49,999.99 |
1.50% |
1.50% |
|
| $50,000.00-$99,999.99 |
1.60% |
1.60% |
|
| Dividends paid on maturity for 6 months to 3 years |
| Jumbo Certificates |
| ANYTHING over $100,000.00 ask management |
| Dividends will not be compounded |
| * Annual percentage yield |
| Shares |
| |
Dividend |
APY |
| Share Saving |
0.30% |
0.30% |
| Youth Savers (peewee penguin) |
0.50% |
0.50% |
| Christmas Club |
0.50% |
0.50% |
| IRA'S |
2.75% |
2.75% |
|
