8/9/2016
Share Rates, Certificate Rates, Loan Rates I Consumers Credit Union
CONSUMERS
CREDIT UNION
Rates
Rates effective August 1, 2016
The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any
questions or require current rate and fee information on your accounts, please call the Credit Union.
APY = Annual Percentage Yield. Fees may reduce earnings.
Share Rates
Click here for Rates, Fees, and Terms
Free Rewards Checking
Level Tier(s) Low BalanceHigh Balance APY
1
A
$
$20,000.00
4.59%
1
B
$ -
$15,000.00
3.59%
1
C
$
$10,000.00
3.09%
$10,000.01
2
C, B & A$15,000.01
$25,000.00
0.20%
$20,000.01
3
C, B & A$25,000.01
$
0.10%
Rewards Checking. The Rewards Checking account is a Tiered Rate account (see chart below). If your Daily Balance is $20,000.00 or
below AND you meet all of the basic service requirements during the calendar month, the applicable Tier 1 Dividend Rate and Annual
Percentage Yield listed for this account in the Rate Schedule will apply, for levels A and B; if your Daily Balance is $10,000.00 and
below AND you meet all of the basic service requirements during the calender month, the applicable Tier 1 Dividend Rate and Annual
Percentage Yield listed for this account in the Rates Schedule will apply for Level C. The basic service requirements include: a) you
make twelve (12) PINless card transactions (any transaction that does not require a PIN) that post to and clear your Reward Checking
account; b) you access Online Banking at least once; c) you receive e-Documents (must have enrolled and accepted the disclosure; and
d) you have a direct deposit or ACH debit (including Bill Payment) post to and clear your Reward Checking account. You will earn
the
Tier 1-A Dividend Rate and Annual Percentage Rate on balances of $20,000.00 or less if you meet the basic service requirements and
have $1,000 in credit card purchase transactions during the period beginning on the 28th day of the prior calendar month and ending on
the 27th day of the current calendar month. You will earn the Tier 1-B Dividend Rate and Annual Percentage Rate on balances of
$20,000.00 or less if you meet the basic service requirements and have 12 credit card purchase transactions during the period beginning
on the 28th day of the prior calendar month and ending on the 27th day of the current calendar month. You will earn the Tier 1-C
Dividend Rate and Annual Percentage Rate on balances of $10,000.00 or less if you meet the basic service requirements but do not meet
either of the credit card transaction criteria required to earn a higher rate. The Tier 2 Dividend Rate and range of Annual Percentage
Yields listed for level C, this account will apply to balances of $10,000.01 to $24,999.99 if you meet all of the basic service
requirements. The Tier 3 Dividend Rate and range of Annual Percentage Yields listed for this account will apply to balances of
$25,000.00 or greater if you meet all of the basic service requirements. The rates applicable to Tiers 1, 2 and 3 will apply only to that
portion of the account balance within each balance range. When you meet all of the basic service requirements for the calendar month,
ATM fees incurred during the month will be refunded to you.
If you fail to meet any of the basic service requirements during a calendar month, you will earn 0.01% Annual Percentage Yield for
this
account and your ATM fees will NOT be refunded.
One Rewards Checking account is allowed per Member. Business accounts are not eligible for rewards. Qualifying credit card
transactions must be made using a Consumers Credit Union-issued card. Credit Card cash advances and balance transfers do not count
towards credit card purchases.
1
Tier(s)
A
Low Balance $ -
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8/9/2016
Share Rates, Certificate Rates, Loan Rates I Consumers Credit Union
High Balance $20,000.00
APY
4.59%
1
Tier(s)
B
Low Balance $ -
High Balance $15,000.00
APY
3.59%
1
Tier(s)
C
Low Balance $ -
High Balance $10,000.00
APY
3.09%
2
Tier(s)
C, B & A
$10,000.01
Low Balance $15,000.01
$20,000.01
High Balance $25,000.00
APY
0.20%
3
Tier(s)
C, B & A
Low Balance $25,000.01
High Balance $ -
APY
0.10%
Savings
Account
Minimum Opening Deposit Rate APY
Membership Share Savings$5
0.05%0.05%
Special Share Savings
$5
0.05%0.05%
Safe Advantage Savings
$5
Christmas Club Savings
$5
0.25%0.25%
IRA Savings
$10
0.25%0.25%
Membership Share Savings
Minimum Opening Deposit $5
Rate
0.05%
APY
0.05%
Special Share Savings
Minimum Opening Deposit $5
Rate
0.05%
APY
0.05%
Safe Advantage Savings
Minimum Opening Deposit $5
Rate
APY
Christmas Club Savings
Minimum Opening Deposit $5
Rate
0.25%
APY
0.25%
IRA Savings
Minimum Opening Deposit $10
Rate
0.25%
APY
0.25%
Money Market Accounts
Money Market
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8/9/2016
Share Rates, Certificate Rates, Loan Rates I Consumers Credit Union
Minimum Balance to Earn APY Rate APY
$0
0.00%0.00%
$2,000
0.10%0.10%
$20,000
0.15%0.15%
$40,000
0.20%0.20%
$70,000
0.25%0.25%
$100,000
0.30%0.30%
IRA Money Market
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Minimum Balance to Earn APY Rate APY
$0
0.00%0.00%
$2,000
0.10%0.10%
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$20,000
0.15%0.15%
$40,000
0.20%0.20%
Co-Browsing lets us view your screen and
$70,000
0.25%0.25%
move the pointer to show you where to
$100,000
0.30%0.30%
click. It's a quick and easy way for us to
help you find what you are looking for.
Certificates
Click here for Rates and Terms
Certificate Accounts/IRA Certificate Accounts
Term Minimum Rate APY
Start Session Now
91 Day
$250
0.05%0.05%
180 Day
$250
0.10%0.10%
7 Months $250
0.10%0.10%
Terms & Conditions
8 Months $250
0.10%0.10%
9 Months $250
0.10%0.10%
10 Months$250
0.10%0.10%
11 Months$250
0.10%0.10%
1 Year $250
0.15%0.15%
15 Months$250
0.15%0.15%
16 Months$250
0.15%0.15%
18 Months$250
0.75%0.75%
20 Months$250
0.20%0.20%
22 Months$250
0.25%0.25%
2 Years $250
0.30%0.30%
30 Months$250
0.35%0.35%
3 Years $250
0.45%0.45%
45 Months$250
0.60%0.60%
4 Years $250
1.39%1.40%
59 Months$250
0.80%0.80%
5 Years
$250
1.59%1.60%
Please note, early withdrawal penalty may be applied. We may impose a penalty if you withdraw from your account before the maturity
date.
Jumbo Certificate Accounts / Jumbo IRA Certificate Accounts
Term Minimum Rate APY
75 Day $100,000 n/a n/a
7 Months $100,000 0.35%0.35%
8 Months $100,000 0.35%0.35%
9 Months $100,000 0.35%0.35%
10 Months$100,000 0.35%0.35%
11 Months$100,000 0.35%0.35%
1 Year $100,000 0.40%0.40%
15 Months$100,000 0.40%0.40%
16 Months$100,000 0.40%0.40%
18 Months$100,000 1.00%1.00%
20 Months$100,000 0.45%0.45%
22 Months$100,000 0.50%0.50%
2 Years $100,000 0.55%0.55%
30 Months$100,000 0.60%0.60%
3 Years $100,000 0.70%0.70%
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3/5
8/9/2016
Share Rates, Certificate Rates, Loan Rates I Consumers Credit Union
45 Months$100,000 0.85%0.85%
4 Years $100,000 1.64%1.65%
59 Months$100,000 1.05%1.05%
5 Years $100,000 1.84%1.85%
Please note, early withdrawal penalty may be applied. We may impose a penalty if you withdraw from your account before the maturity
date.
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Loans
Click here for Rates and Terms
Auto Loans
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APR as Payment Example for a
Loan
Terms & Conditions
Co-BrowsTernets WS view your screen $1,000 and Loan
low as
move the pointer to show you where to
click. It's quick Payment
help you month What you are looking for.
48
1.74%*
$21.58 Monthly Payment
months
New and Used Cars,
Purchase or Refinance 2010 - 2016, The year of the vehicle will 60
determine the term of the loan
ayment
Trucks, and Vans
72
Start Session Now
onthly Payment
moi
84
ment
*Not all applicants may qualify for the fixed base rate. Your rate is determined by y
Terms & Conditions
applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and
existing CCU loans are excluded from any rate deductions.
Other Motor Vehicle Loans
APR as
Loan
Terms & Conditions
Term
low as
Purchase or Refinance 2010 or newer, The year of the motorcycle will 60 months
New and Used Motorcycles
5.49%
determine the term of the loan
or less
60 months 4.15%
New/Used Motor homes, Campers,
Purchase or Refinance 2010 or newer
120 months 7.74%
Travel Trailers & Boats
180 months 8.24%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include
applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and
existing CCU loans are excluded from any rate deductions.
Secured / Collateralized Loans
Term APR as low as
36 months7.24%
48 months7.74%
60 months8.24%
72 months8.74%
84 months9.24%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include
applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and
existing CCU loans are excluded from any rate deductions.
Other Personal Loans
Type
Terms & Conditions
Term
APR as low as
Signature (Unsecured)
11.24%
Share Secured
2% over pledged Share/Savings instrument
Variable
Commercial Secured Vehicles
Up to 36 months
6.25%
37 months or greater6 .75%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include
applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and
existing CCU loans are excluded from any rate deductions.
First Mortgages
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4/5
8/9/2016
Share Rates, Certificate Rates, Loan Rates I Consumers Credit Union
Term
APR
Fixed Rate - Multiple term options
Call or Click here for rates
Adjustable Rate (ARM) - 3, 5, & 7 yearsCall or Click here for rates
Home Equity Loan
Loan to Value (LTV)5 Year Term (APR) Year Term (APR) 15 Year Term (APR)20 Year Term (APR)
80% LTV
4.99%
5.49%
6.49%
6 00%
90% LTV
8.99%
9.74%
10.74%
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100% LTV
9.99%
10.74%
11.74%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by
applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable. overdraft protection, real estate. share secure
and
existing CCU loans are excluded from any rate deductions.
We're Here to help you!
Home Equity Line of Credit (HELOC)
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80% LTV 90% LTV* 100% LTV
move the pointer to show you where to
For Credit Lines $5,000 and GreaterPrime
Prime + 2.25%Prime + 3.75%
click. It's a quick and easy way for us to
Visa Cards
help you find what you are looking for.
Type
Term
APR as low as*
VISA R Platinum
Variable Rate with No Annual Fee9.95%
VISA R Platinum Rewards Variable Rate with No Annual Fee11.95%
VISA R Signature
Variable Rate with No Annual Fee12.24%
VISA® Share Secured
Variable Rate with No Annual Fee 17.95%
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All loan requests are subject to Loan Review Committee and Guidelines. This rate schedule sets and
rates
applicable to your accounts at the Credit Union at this time. The Credit Union may
S
schedule from time to time. All rates and terms are subject to change without notice.
Terms & Conditions
e
products advertised. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
For all variable rate loans, the APR may change after consummation. Additional fees may apply to some loans. Contact the CU for full
loan disclosure information specific to your loan. HELOC's have a floor rate of 4.00%
* Not all applicants will qualify for our fixed base rate. Your rate is determined by your credit history. Rates listed include all discounts
of 0.75% APR, for an additional 0.25% APR reduction apply online today. VISA, variable, overdraft protection, real estate, share
secured and existing CCU loans are excluded from any rate reductions.
** Interest Only Payments Allowed
Consumers Credit Union
2016, All rights reserved. This credit union is federally insured by NCUA.
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