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Savings | Certificates | Loans
Savings Rates
Rates quoted are prospective dividend rates. Rates are subject to change without notice. Fees could reduce earnings on the account.
Last updated: 7/1/2010
Account Type |
Dividend Rate |
Annual Percentage Yield (APY) |
Daily Balance to Earn Dividend |
| Primary Savings |
.25 |
.25 |
$ 25.00 |
| Christmas Club |
.75 |
.75 |
$ 100.00 |
| Regency Checking |
.10 |
.10 |
$ .01 |
| Secondary Savings |
.25 |
.25 |
$ 25.00 |
| IRA Savings Account |
1.245 |
1.25 |
$ .01 |
Money Market
Account-(Tiered) |
|
|
|
$1,000 min |
.25 |
.25 |
$ 1,000.00 |
$2,500 min |
.745 |
.75 |
$ 2,500.00 |
$10,000 min |
.995 |
1.00 |
$10,000.00 |
$25,000 min |
1.245 |
1.25 |
$25,000.00 |
Certificate Rates
Rates are subject to change without notice. Fees could reduce earnings on the account.
Last Updated: 08/17/2010
Certificate Term |
Minimum Deposit Amount |
Dividend Rate |
Annual Percentage Yield
(APY) |
| 91 Days |
$2,500 |
.399 |
.40 |
| 91 Days |
$10,000 |
.747 |
.75 |
| 182 Days |
$2,500 |
.698 |
.70 |
| 182 Days |
$10,000 |
1.145 |
1.15 |
| 1 year |
$1,000 |
.947 |
.95 |
| 1 year |
$5,000 |
1.442 |
1.45 |
| 2 years |
$1,000 |
1.887 |
1.90 |
| 3 years |
$1,000 |
2.230 |
2.25 |
| 4 years |
$1,000 |
2.575 |
2.60 |
| 1 year Child’s Certificate |
$ 100 |
1.145 |
1.15 |
| IRA 1 year |
$ 500 |
.947 |
.95 |
| IRA 1 year |
$5000 |
1.442 |
1.45 |
| IRA 2 year |
$ 500 |
1.887 |
1.90 |
| IRA 3 year |
$ 500 |
2.230 |
2.25 |
| IRA 4 year |
$ 500 |
2.575 |
2.60 |
Market Index
5 Year Term |
$1000 for non-IRAs;
$500 for IRAs |
Earnings are tied to the Dow Jones Industrial Average (DJIA). If the Dow Jones goes up, your dividend rate goes up. If the Dow Jones goes down or remains the same, you earn no dividends - but you won’t lose your initial deposit |
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All rates are subject to change without prior notification. Contact us for current rates, fees and any other terms that may apply to our accounts at (715) 675-2319. The APY assumes the principal and earned dividends remain on deposit until maturity. Fees may reduce earnings. There is a penalty for early withdrawal. IRA quotes reflect both Traditional and Roth IRAs, and the Coverdell Education Account (formerly the Education IRA)
Loan Rates
Rates are subject to change.
Last Updated: 1/11/2010
Loan Type |
Term |
*APR as low as: * |
Monthly Payment Per $1000 Borrowed |
| Vehicles Never Titled |
36 Mo |
4.59 |
$29.80 |
| |
48 Mo |
4.99 |
$23.03 |
| |
60 Mo |
5.49 |
$19.11 |
| |
72 Mo |
6.50 |
$16.82 |
| Vehicles 2004 through 2009 |
36 Mo |
4.59 |
$29.80 |
| |
48 Mo |
4.99 |
$23.03 |
| |
60 Mo |
5.49 |
$19.11 |
| |
72 Mo** |
6.50 |
$16.82 |
| Vehicles 2003 Models |
36 Mo |
7.50 |
$31.13 |
| |
48 Mo |
7.95 |
$24.41 |
| Unsecured Loan |
36 Mo |
11.90 |
$33.31 |
| Kwik-Cash Line of Credit |
N/A |
14.00 |
$30.00 |
| Mobile Home Loan |
10 years |
10.50 |
$13.55 |
| Used Mobile Home Loan |
5 years |
12.50 |
$22.60 |
| Land Loan |
5 years |
7.50 |
$20.12 |
| |
> 5 years |
Variable Rate |
|
Real Estate Loan Rates
Rates are subject to change.
Last Updated: 11/18/2008
REAL ESTATE |
Type |
Term |
Rate as low as: * |
Annual Percentage Rate (APR) as low as: **** |
Payments Example: (ARM's based on assumption that rate does not change during the life of the loan |
Real Estate 1st Mortgage
Owner Occupied |
3 year ARM*** |
10 years |
6.50 |
6.505 |
$11.41 |
Real Estate 1st Mortgage
Owner Occupied |
3 year ARM*** |
15 years |
6.75 |
6.755 |
$8.88 |
Real Estate 1st Mortgage
Owner Occupied |
3 year ARM*** |
20 years |
6.85 |
6.855 |
$7.68 |
Real Estate 1st Mortgage
Owner Occupied |
3 year ARM*** |
25 years |
6.95 |
6.955 |
$7.05 |
Real Estate 1st Mortgage
Owner Occupied |
FIXED |
5 years |
6.35 |
6.355 |
$19.62 |
Real Estate 1st Mortgage
Owner Occupied |
FIXED |
10 years |
6.80 |
6.805 |
$11.56 |
Real Estate 2nd Mortgage
Owner Occupied |
FIXED |
5 year |
7.50 |
7.506 |
$20.15 |
Real Estate 2nd Mortgage
Owner Occupied |
3 year ARM*** |
10 years |
6.90 |
6.905 |
$11.61 |
Rates are subject to change without prior notification.
*Rates quoted are our lowest rates offered, including a discount of .25% for using automatic transfers or payroll deduction. The better your credit experience is, the lower your rate will be. Individual rates will vary based on past credit history, debt load, and experience.
** Applies to loans >$25,000 and 2008 & 2009 vehicles only.
*** Adjustable Rate Mortgage, 3 year variable The rate can increase or decrease after the loan is consummated
****APR calculated on average loan amount of $100,000 with $600 closing costs/$20 prepaid
We offer longer term fixed rates. Please contact our mortgage department by phone at 359-7012, or e-mail us at mortgage@brokawcu.com. |
