|
Rates
Risk-Based | Loans | Mortgage | Savings | Certificates
| Rates are listed as APR which signifies Annual Percentage Rate. Rates are subject to change without notice. Take 1/4% off loan rate if you make payment with payroll deduction & have e-statements! (NOTE: This applies to Auto, Recreational Vehicle, Motorcycle, Boat, ATV, Jet Ski, Snowmobile, Signature and Savings Secured loans.) |
| Empirica Score |
A+ >732
|
A
731-690
|
B
689-649 |
C
648-600 |
D
599-541 |
E
<541 |
Auto, Recreational Vehicles, Motorcycles,
Boats |
36 Mo. |
3.99 |
4.24 |
6.24 |
8.74 |
17.49 |
20.49 |
48 Mo.
|
4.24 |
4.49 |
6.49 |
8.99 |
17.74 |
20.99 |
60 Mo.
|
4.49 |
4.74 |
6.74 |
9.24 |
17.99 |
21.49 |
72 Mo.
|
6.24 |
6.49 |
7.49 |
9.99 |
18.49 |
21.99 |
84 Mo.
|
(A+/ A borrowers only-new vehicle over $20,000.00) |
| ATVs, jet skis, snowmobiles |
|
8.49 |
8.99 |
10.24 |
12.24 |
19.24 |
22.24 |
| Signature |
|
8.99 |
9.49 |
10.49 |
12.74 |
20.74 |
23.74 |
| Savings Secured |
|
3.50 |
4.00 |
5.00 |
6.50 |
8.50 |
11.50 |
| Again, for the categories above, 1/4% reduction in rate applies if you make the payment with payroll deduction and have e-statements! |
| Home Equity Line |
as low as 5.00
|
| Kwik Cash Loan |
10.90 |
Business Kwik Cash |
14.99 |
| Construction |
2.99 |
| |
| First Mortgage Balloon Notes - Owner Occupied/Second Homes |
A+ |
A |
B |
C |
D |
E |
| |
12 Mo.
|
4.49 |
4.74 |
5.49 |
6.49 |
* |
* |
24 Mo.
|
4.74 |
4.99 |
5.74 |
6.74 |
|
|
36 Mo.
|
4.99 |
5.24 |
5.99 |
6.99 |
|
|
48 Mo.
|
5.24 |
5.49 |
6.24 |
N/A |
|
|
60 Mo.
|
5.49 |
5.74 |
6.49 |
N/A |
|
|
|
*D & E Borrowers, call for rates please!
*For a second mortgage, call for rates please!
|
15 Year Fixed
| Rate |
Points |
APR* |
|
3.125
|
|
3.35 |
20 Year Fixed
| Rate |
Points |
APR* |
|
3.75
|
|
3.86 |
30 Year Fixed
| Rate |
Points |
APR* |
| 3.875 |
|
3.96
|
*APR = Annual Percentage Rate
-The above fixed figures are based on a $100,000.00 loan with 20% down at the above terms.
-All rates and terms are subject to approved credit, income, and collateral. Rates are subject to change in response to current market conditions. The above fixed figures are effective as of May 18th, 2012, at 12:20 pm CDT.
-Shipbuilders Credit Union and/or its employees are not responsible for error, omissions, or interim revisions.
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|
| Rates are subject to change without notice. |
| Savings |
Minimum Balance |
Dividend Rate |
APY* |
Term |
| Savings |
$5 |
0.349 |
0.350 |
n/a |
| Share Draft |
|
0.100 |
0.100 |
n/a |
| IRA |
|
0.399 |
0.400 |
n/a |
| Club Account |
|
0.349 |
0.350 |
n/a |
| Shipmates Money Market Account 1st Level |
$1.00 |
0.250 |
0.250 |
n/a |
| Shipmates Money Market Account 2nd Level |
$5,000 |
0.399 |
0.400 |
n/a |
| Shipmates Money Market Account 3rd Level |
$15,000 |
0.499 |
0.500 |
n/a |
|
Shipmates Money Market Account 4th Level
|
$35,000 |
0.598 |
0.600 |
n/a
|
| Health Savings Account - 1st Level |
$1.00 |
0.200 |
0.200 |
n/a |
| Health Savings Account - 2nd Level |
$2,000 |
0.250 |
0.250 |
n/a |
| Health Savings Account - 3rd Level |
$5,000 |
0.399 |
0.400 |
n/a |
| Health Savings Account - 4th Level |
$15,000 |
0.499 |
0.500 |
n/a |
|
Health Savings Account - 5th Level
|
$35,000 |
0.598 |
0.600 |
n/a
|
| Rates are subject to change without notice. |
| Certificates |
Minimum Deposit |
Dividend Rate |
APY* |
Term |
| IRA Certificate |
$500 |
0.698 |
0.700 |
12 |
| IRA Certificate |
$500 |
1.045 |
1.050 |
24 |
| IRA Certificate |
$500 |
1.242
|
1.250 |
36 |
| Share Certificate (Under $10,000) |
$500 |
0.399 |
0.400 |
6 |
| Share Certificate (Under $10,000) |
$500 |
0.499 |
0.500 |
12 |
| Share Certificate (Under $10,000) |
$500 |
0.747 |
0.750 |
24 |
| Share Certificate (Under $10,000) |
$500 |
0.995 |
1.000 |
36 |
| Share Certificate (Over $10,000) |
$10,000 |
0.499 |
0.500 |
6 |
| Share Certificate (Over $10,000) |
$10,000 |
0.698 |
0.700 |
12 |
| Share Certificate (Over $10,000) |
$10,000 |
1.045 |
1.050 |
24 |
|
Share Certificate (Over $10,000)
|
$10,000 |
1.242
|
1.250 |
36
|
|
TEEN CD Special - - non-renewable; restricted deposits to max of $1,000; see About Us/What's New page for more details
|
$100 |
9.532 |
10.00 |
n/a |
|
*APY = Annual Percentage Yield. Early withdrawal penalties may apply with Certificates of Deposit.
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