Rates effective as 02/01/2010

Contact the financial institution for more information.

 

 

 

**APR = Annual Percentage Rate

Home equity loans will be offered on real estate located in Nebraska.  Loans will be secured by a deed of trust.  The annual percentage rate may change quarterly and will be based on the most recent Wall Street Journal Prime Rate.  Please visit the credit union for further details.

 

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Savings	Minimum Balance	Dividend/ Interest Rate	APY*
Share Savings Account	$5.00	0.75%	0.75%
Christmas Club Account	--	0.75%	0.75%
IRA Account	--	1.75%	1.76%
Share Draft/Checking Account	--	0.25%	0.25%

*APY = Annual Percentage Yield

 

RATE INFORMATION.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.  The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.  Ask for further information about other terms that relate to these accounts.

 

Certificates	Minimum Deposit	Dividend/ Interest Rate	Term	APY*
3 Month	$500.00	0.80%	3 mo.	0.80%
6 Month	$500.00	0.90%	6 mo.	0.90%
9 Month	$500.00	0.90%	9 mo.	0.90%
1 Year	$500.00	1.10%	12 mo.	1.10%

* APY = Annual Percentage Yield

 RATE INFORMATION.  The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account.  For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.  A withdrawal of dividends will reduce earnings.

DIVIDEND PERIOD.  For each account the dividend period is the account's term.  The dividend period begins on the first day of the term and ends on the maturity date.

Dividend Compounding and Crediting.  The compounding and crediting frequency of dividends are stated in the Rate Schedule. (please call office for information)

 EARLY WITHDRAWAL PENALTY.  For Certificate accounts, the amount of early withdrawal penalty for your account is 32 days dividend.

 

 

 

 

Your savings federally insured to at least $250,000 and backed  by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency

 

 

LOANS	Current APR **
Share Secured Loans   Loans secured 100%    by members shares or certificates	4.50

The credit union offers risk based loans.  All loans are based on personal credit scores.

FIXED LOAN TYPES	Current APR**	Calculators
New Auto, MC, RV's	5.50 - 10.50*	Calculator
Used Auto, MC, RV's	7.50 - 12.50	Calculator
All Other Secured	7.75 - 11.75	Calculator
Member Unsecured	10.00 - 15.00	Calculator
Home Improvement	8.00 - 13.00	Calculator

**APR = Annual Percentage Rate
*2005, 2006 qualifies for rate if it has 15,000 miles or less,
maximum length 72 months at discretion of the loan officer. For term on loans please visit with a loan officer.

VARIABLE LOAN TYPE	Current APR**
Home Equity	Please call office