| Auto Loans |
Effective Date 01/31/2012 |
| NEW &USED AUTO LOANS |
Low Rate Vs Rebate
Calculate Loan Payment |
|
Model Year
|
APR*
|
Term
|
Amount
|
Pmt per $1,000
|
|
2007 - 2012
|
2.012% - 7.95%
|
36 Months
|
Up To 100%
|
$28.69 - $32.22
|
|
2007 - 2012
|
2.012% - 9.14%
|
48 Months
|
Up To 100%
|
$21.73 - $26.04
|
|
2007 - 2012
|
2.012% - 9.14%
|
60 Months
|
Up To 100%
|
$17.56 - $21.94
|
|
2007 - 2012
|
3.012% - 11.13%
|
72 Months
|
Up To 100%
|
$15.23 - $20.53
|
|
2007 - 2012
|
4.012%
|
84 Months
|
Up To 100%
|
$13.71
|
|
2003 - 2006
|
5.04% - 15.11%
|
48 Months
|
NADA Value
|
$23.67 - $29.35
|
|
Pre 2003
|
5.96% - 17.89%
|
36 Months
|
NADA Value
|
$31.07 - $36.13
|
*APR = Annual Percentage Rate
Membership is established by maintaining $5 in a share / savings account with USFCU. |
| RECREATIONALVEHICLELOANS |
Effective 01/31/2012
|
| NEW& USED RECREATIONAL VEHICLES |
Calculate Loan Payment |
|
Model Year
|
APR*
|
Term
|
Amount
|
Pmt per $1,000
|
|
New
|
7.59%
|
180 Months
|
Up To 90%
|
$9.25
|
|
New
|
7.43%
|
144 Months
|
Up To 90%
|
$10.03
|
|
New
|
6.93%
|
120 Months
|
Up To 90%
|
$11.24
|
|
New
|
5.28% - 15.84%
|
84 Months
|
Up To 90%
|
$14.03 - $19.77
|
|
New
|
4.95% - 14.85%
|
72 Months
|
Up To 90%
|
$15.54 - $21.06
|
|
New
|
3.63% - 10.89%
|
60 Months
|
Up To 90%
|
$17.87 - $21.69
|
|
New
|
3.63% - 10.89%
|
48 Months
|
Up To 90%
|
$22.41 - 25.79
|
|
New
|
3.30% - 9.90%
|
36 Months
|
Up To 90%
|
$29.21 - $32.22
|
|
Used
|
8.58%
|
180 Months
|
NADA Trade In
|
$9.89
|
|
Used
|
8.25%
|
144 Months
|
NADA Trade In
|
$10.96
|
|
Used
|
7.59%
|
120 Months
|
NADA Trade In
|
$11.92
|
|
Used
|
6.27% - 17.95%
|
84 Months
|
NADA Trade In
|
$14.74 - $20.99
|
|
Used
|
5.61% - 16.83%
|
72 Months
|
NADA Trade In
|
$16.39 - $22.15
|
|
Used
|
4.29% - 12.87%
|
60 Months
|
NADA Trade In
|
$18.55 - $22.69
|
|
Used
|
4.29% - 12.87%
|
48 Months
|
NADA Trade In
|
$22.71 - $26.73
|
|
Used
|
3.30% - 9.90%
|
36 Months
|
NADA Trade In
|
$29.21 - $32.22
|
|
*APR = Annual Percentage Rate
Recreational items include: Motor Homes, Campers, Motorcycles, and Boats, Mtrs, etc.
Membership is established by maintaining $5.00 in a share / savings account with USFCU.
|
PERSONAL LOANS Effective Date: 01/31/2012
|
Loan Type
|
APR*
|
Term
|
Amount
|
Pmt per $1,000
|
| Share / CD Secured |
2% over Share Rate*
|
Up to 60 Months
|
Up to 100%
|
--
|
| Vacant Property |
7.50% - 17.95%
|
120 Months
|
Up to 80%
|
$11.87 - $17.99
|
| Stock Secured |
8.00%
|
60 Months
|
Up to 50%
|
$20.28
|
| Stock Secured - LOC |
Prime + 1% **
|
60 Months
|
Up to 50%
|
- -
|
| Lifestyle Loans |
7.99% - 9.99%
|
60 Months
|
Up to 100%
|
$20.27 - $21.24
|
| Signature Loan |
9.99% - 16.99%
|
60 Months |
-- |
$21.26 - $24.85 |
| Signature Loan - LOC |
9.99% - 16.99% |
60 Months |
-- |
$21.26 - $24.85 |
|
*APR - Annual Percentage Rate
**Payment example based on $1,000 for 60 months
***Stock Secured LOC - Rate adjusted monthly
Membership is established by maintaining $5 in a share/savings account with USFCU.
|
HOME APPLIANCES Effective Date: 01/31/2012
|
Loan Type
|
APR*
|
Term
|
Amount
|
Pmt per $1,000
|
| New & Used |
10.95% - 17.95% |
36 Months |
Up to 100% |
$32.73 - $36.13 |
*APR - Annual Percentage Rate
Membership is established by maintaining $5 in a share/savings account with USFCU. |
VISA® CREDIT CARD PROGRAM Effective Date: 01/31/2012
| Interest Rates and Interest Charges |
VISA® Platinum* |
VISA® Platinum Plus** |
VISA® Platinum Preferred** |
| Annual Percentage Rate (APR) for Purchases |
12.99%
|
9.89%
|
7.90%
|
|
APR for Balance Transfers
|
12.99%
|
9.89%
|
7.90%
|
|
APR for Cash Advances
|
12.99%
|
9.89%
|
7.90%
|
|
Penalty APR and When it Applies
|
None
|
| How To Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. |
| Minimum Interest Charge |
If you are charged interest, the charge will be no less than $0.00 |
| For Credit Card Tips From The Federal Reserve Board |
To learn more about factors to consider when applying for or using credit cards, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov.creditcard. |
| Fees |
VISA® Platinum |
VISA® Platinum Plus** |
VISA® Platinum Preferred** |
| Annual Fee |
None
|
None
|
None
|
| Transaction Fees |
|
|
• Balance Transfer
|
None
|
None
|
None
|
|
• Cash Advances
|
None
|
None
|
None
|
|
• Foreign Transaction
|
1.0% with currency and/or 0.80% without currency conversion.
|
| Penalty Fees |
|
|
• Late Payment
|
Up to $20
|
Up to $20
|
Up to $20
|
|
• Over-the-Credit-Limit
|
None
|
None
|
None
|
|
• Returned Payment
|
None
|
None
|
None
|
| Other Fees |
None
|
None
|
None
|
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases and cash advances). *An explanation of this method is provided in your account agreement.
General Requirements: To qualify for a United Southeast Federal Credit Union VISA, you must be at least 18 years of age, have regular monthly income, and meet the general lending policies of the credit union. In addition, a satisfactory credit report is required.
*VISA Platinum is the basic VISA card with several benefits. Credit limits are available up to $5,000. ScoreCard Bonus Points Program, no annual fee, 25-day grace period on purchases, and free balance transfers. The VISA Platinum card can be used at any ATM that displays the VISA logo.
**VISA Platinum Plus offers credit limits from $5,000 to $10,000. In addition to the minimum requirements above, a minimum income of $35,000 is required. VISA Platinum Plus has the same benefits of the Platinum.
**VISA Platinum Preferred offers credit limits from $10,000 to $25,000. In addition to the general requirements above, a minimum income of $45,000 is required. The VISA Platinum Preferred has the same benefits of the VISA Platinum Plus. In addition, Platinum Preferred offers discount pharmacy, concierge service, and travel accident insurance. |
HOME EQUITY LOANS Effective Date: 01/31/2012
| HELOC - PLAN CODE 72 |
|
Loan Type
|
APR*
|
Amount to Loan Value
|
|
HELOC - 72
|
Prime Rate - Floor of 4.00%
|
Up To 90%
|
|
HELOC - 72
|
Prime Rate - Floor of 4.00%
|
Up To 80%
|
|
HELOC - 72
|
Prime Rate - Floor of 4.00%
|
Up To 75%
|
|
HELOC - 72
|
Prime Rate - Floor of 4.00%
|
Up To 65%
|
| HELOC - PLAN CODE 71 |
|
HELOC - 71
|
Prime Rate
|
Up To 90%
|
|
HELCO - 71
|
Prime Rate + 4.00%
|
Up To 80%
|
|
HELOC - 71
|
Prime Rate + 5.00%
|
Up To 75%
|
|
HELOC - 71
|
Prime Rate + 6.00%
|
Up To 65%
|
|
Loan Type
|
APR
|
Term
|
Amount
|
|
HELOC
|
4.90% - 14.70%
|
48 months
|
Up To 90%
|
|
HELOC
|
5.24% - 15.73%
|
60 months
|
Up To 90%
|
|
HELOC
|
5.34% - 16.02%
|
72 months
|
Up To 90%
|
|
HELOC
|
5.39% - 16.17%
|
84 months
|
Up To 90%
|
|
HELOC
|
5.39% - 16.17%
|
96 months
|
Up To 90%
|
|
HELOC
|
5.64% - 16.91%
|
120 months
|
Up To 90%
|
|
HELOC
|
5.88% - 17.64%
|
180 months
|
Up To 90%
|
*All closing cost associated with this loan is paid by the member at closing.
APR refers to Annual Percentage Rate.
APR on plan code 72 Home Equity Line of Credit is a variable rate subject to change monthly and is indexed to the Wall Street Journal Prime Rate. The annual percentage rate can change monthly on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one year period. The maximum Annual Percentage Rate cannont increase more than 6.0 percentage points above the initial rate or the maximum permitted by law, whichever is less. (3.25% as of 9/01/10).
Mimimum Payment Example: If only the minimum monthly payment is made and no other credit advances are taken, it would take six years to pay off a credit advance of $10,000 at an Annual Percentage Rate of 5.25%. During that period, 72 payments of $163.00 would be made.
Membership is established by maintaining $5 in a share/savings account with USFCU.
Click Here for te Home Equity Early Disclosure. |
SAVINGS Effective Date: 01/31/2012
|
Account Type
|
Dividend Rate
|
APY*
|
Minimum Deposit
|
|
Share Account (Savings)**
|
.25%
|
.25%
|
$5.00
|
|
Christmas Club**
|
.25%
|
.25%
|
N/A
|
|
Vacation Club**
|
.25%
|
.25%
|
N/A
|
|
Mad Money **
|
.25%
|
.25%
|
N/A
|
|
Money Market Account
|
.25%
|
.25%
|
$1,000
|
*APY - Annual Percentage Yield
**Minimum balance of $100 required to earn dividends.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Membership is established by maintaining $5 in a share/savings account with USFCU. |
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CERTIFICATE & IRA Effective Date: 01/31/2012
| SHARE CERTIFICATE AND IRA RATES |
|
Description
|
Dividend Rate
|
APY*
|
Minimum Deposit**
|
|
91 Day Maturity
|
0.250%
|
0.25%
|
$1,000
|
|
6 Month Maturity
|
0.350%
|
0.35%
|
$1,000
|
|
12 Month Maturity
|
0.599%
|
0.60%
|
$500
|
|
18 Month Maturity
|
0.698%
|
0.70%
|
$500
|
|
24 Month Maturity
|
0.947%
|
0.95%
|
$500
|
|
30 Month Maturity
|
0.947%
|
0.95%
|
$500
|
|
36 Month Maturity
|
1.393%
|
1.40%
|
$500
|
|
48 Month Maturity
|
1.689%
|
1.70%
|
$500
|
|
60 Month Maturity
|
1.936%
|
1.95%
|
$500
|
*APY - Annual Percentage Yield
**IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Early withdrawal from certificate subject to penalty. Membership is established by maintaining $5 in a share/savings account with USFCU. |
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|
