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Loans | Savings | Certificates
| Rates Effective November 19, 2008 |
| Loans |
Term |
Annual Percentage Rates |
Rate |
APR* |
Term |
|
| New Autos |
Up to 36 months |
3.99% to 12.85% |
|
3.99% to 12.85% |
36 |
Calculator |
| New Autos |
37 to 48 months |
4.49% to 13.65% |
|
4.49% to 13.65% |
48 |
Calculator |
| New Autos |
49 to 60 months |
4.99% to 15.00% |
|
4.99% to 15.00% |
60 |
Calculator |
| New Autos |
61 to 72 months |
5.99% to 16.00% |
|
5.99% to 16.00% |
72 |
Calculator |
| New Autos |
73 months & Above |
6.50% to 16.25% |
|
6.50% to 16.25% |
73 |
Calculator |
| Used Autos |
Up to 36 months |
3.99% to 12.85% |
|
3.99% to 12.85% |
36 |
Calculator |
| Used Autos |
37 to 48 months |
4.49% to 13.65% |
|
4.49% to 13.65% |
48 |
Calculator |
| Used Autos |
49 to 60 months |
4.99% to 15.00% |
|
4.99% to 15.00% |
60 |
Calculator |
| Used Autos |
61 to 72 months |
5.99% to 16.00% |
|
5.99% to 16.00% |
72 |
Calculator |
| Used Autos |
73 months & Above |
6.50% to 16.25% |
|
6.50% to 16.25% |
73 |
Calculator |
| Boats - New |
|
3.99% to 16.25% |
|
3.99% to 16.25% |
n/a |
Calculator |
| Boats - Used |
|
3.99% to 16.25% |
|
3.99% to 16.25% |
n/a |
Calculator |
| Share Loans |
Up to 36 Months |
4.00% |
|
4.00% |
36 |
Calculator |
| Share Loans |
37 to 60 Months |
4.75% |
|
4.75% |
60 |
Calculator |
| Share Loans |
61 Months and above |
5.00% |
|
5.00% |
61 |
Calculator |
| VISA Classic |
|
12.24% |
|
12.24% |
n/a |
Calculator |
| VISA Gold |
|
10.80% |
|
10.80% |
n/a |
Calculator |
| Personal Loan |
|
8.00% to 18.00% |
|
8.00% to 18.00% |
n/a |
Calculator |
| Personal Line of Credit |
|
8.00% to 18.00% |
|
8.00% to 18.00% |
n/a |
Calculator |
| Mini Home Equity Loan |
|
5.95% to 6.25% |
|
5.95% to 6.25% |
n/a |
Calculator |
| Home Equity Line of Credit |
|
5.00% |
|
5.00% |
n/a |
Calculator |
| Student Loans - Stafford Loans |
|
6.80% |
|
6.80% |
n/a |
Calculator |
| Student Loans - Plus Loans |
|
8.50% |
|
8.50% |
n/a |
Calculator |
*APR = Annual Percentage Rate
Rates published are subject to change without notice. All loans are subject to credit approval.
Payment Schedule - Payment will be disclosed at time of each advance.
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|
| Rates effective as of November 01, 2008 |
| Savings |
Minimum Opening Balance |
Minimum To Earn Dividend |
Dividend Rate |
APY* |
Term |
| Base Share - Variable** |
$5 |
$100 |
0.600 |
0.600 |
n/a |
| Youth Savers - Variable** |
$5 |
$0 |
0.600 |
0.600 |
n/a |
| Christmas Club - Variable** |
$50 |
$0 |
0.600 |
0.600 |
n/a |
|
Money Market - Variable**
|
$0 to $2,999
$3,000 & Up
|
$0
$3,000
|
0.500
1.350
|
.0500
1.360
|
n/a
n/a
|
|
Money Market - Gold **
|
$0 to $2,999
$3,000 to $24,999
$25,000 & Up
|
$0
$3,000
$25,000
|
0.500
1.350
2.000
|
0.500
1.360
2.020
|
n/a
n/a
n/a
|
|
Money Market - Premier **
|
$0 to $2,999
$3,000 to $24,999
$25,000 to $49,999
$50,000 & up
|
$0
$3,000
$25,000
$50,000
|
0.500
1.350
2.000
2.500
|
0.500
1.350
2.020
2.530
|
n/a
n/a
n/a
n/a
|
| Premium Checking - Variable** |
$50 |
$1000 |
0.250 |
0.250 |
n/a |
*APY = Annual Percentage Yield. For purposes of this disclosure, the dividend rate and Annual Percentage Yield stated for the term share accounts were offered within the most recent seven calendar days and are accurate as of November 19, 2008. Rates may have changed after that date. Please call (510) 523-1514 to obtain current rate information.
This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Alameda Credit Union.
**For variable rate accounts, rates may change after account is opened.
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|
| Rates effective as of Sept 18, 2008 |
| Certificates |
Minimum Opening Balance |
Minimum To Earn Dividend |
Dividend Rate |
APY* |
Term |
| 60 Day Certificate - Fixed |
$2,500 |
$2,500 |
0.900 |
0.900 |
2 |
| 90 Day Certificate - Fixed |
$2,500 |
$2,500 |
1.000 |
1.000 |
3 |
| 120 Day Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
1.750 |
1.760 |
4 |
| 120 Day Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
1.760 |
1.770 |
4 |
| 120 Day Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
1.770 |
1.780 |
4 |
| 120 Day Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
1.780 |
1.790 |
4 |
| 180 Day Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
2.600 |
2.630 |
6 |
| 180 Day Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
2.610 |
2.640 |
6 |
| 180 Day Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
2.620 |
2.650 |
6 |
| 180 Day Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
2.630 |
2.660 |
6 |
| 1 Year Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
2.900 |
2.940
|
12 |
| 1 Year Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
2.910 |
2.950 |
12 |
| 1 Year Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
2.920 |
2.960 |
12 |
| 1 Year Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
2.930 |
2.970 |
12 |
| 18 Mo. Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
3.150 |
3.200 |
18 |
| 18 Mo. Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
3.160 |
3.210 |
18 |
| 18 Mo. Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
3.170 |
3.220 |
18 |
| 18 Mo. Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
3.180 |
3.230 |
18 |
| 2 Year Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
3.300 |
3.350 |
24 |
| 2 Year Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
3.310 |
3.360 |
24 |
| 2 Year Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
3.320 |
3.370 |
24 |
| 2 Year Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
3.330 |
3.380 |
24 |
| 3 Year Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
3.750 |
3.820 |
36 |
| 3 Year Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
3.760 |
3.830 |
36 |
| 3 Year Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
3.770 |
3.840 |
36 |
| 3 Year Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
3.780 |
3.850
|
36 |
| 5 Year Certificate - Fixed ($1,000) |
$1,000 |
$1,000 |
4.200 |
4.280 |
60 |
| 5 Year Certificate - Fixed ($10,000) |
$10,000 |
$10,000 |
4.210 |
4.290 |
60 |
| 5 Year Certificate - Fixed ($50,000) |
$50,000 |
$50,000 |
4.220 |
4.300 |
60 |
| 5 Year Certificate - Fixed ($100,000) |
$100,000 |
$100,000 |
4.230 |
4.310 |
60 |
*APY = Annual Percentage Yield. For purposes of this disclosure, the dividend rate and Annual Percentage Yield stated for the term share accounts were offered within the most recent seven calendar days and are accurate as of November 19, 2008. Rates may have changed after that date. Please call (510) 523-1514 to obtain current rate information.
Certificate dividends are credited monthly and will be paid directly to you or posted to your share account. Early withdrawal penalties apply.
This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Alameda Credit Union.
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