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Village Credit Union
Rate Schedule
(Refresh your
screen for the most current rates - Rates as of 9/15/11)Annual Percentage
Yields
|
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| Shares
(more
info) |
|
|
APR |
APY |
| Regular
Shares |
4th qtr 2011 |
.15% |
.15% |
| Vacation
Shares |
4th qtr 2011 |
.15% |
.15% |
| Kirby
Kangaroo |
4th qtr 2011 |
.15% |
.15% |
| Escrow
shares |
4th qtr 2011 |
.15% |
.15% |
| IRA Shares |
4th qtr 2011 |
.75% |
.75% |
| Holiday
Shares |
Annual dividend (9/30/11) |
.15% |
.15% |
Dividends calculated
daily on balances of $200 or more with the exception of Kirby Kangaroo
children’s account and Holiday Shares where dividends are calculated
daily on balances of $50 or more.
Annual Percentage
Yields (As of last month)
|
Money
Market
(more
info) |
|
|
APR |
APY |
| Tier 1 |
$2,500 -
$9,999 |
.40% |
.40% |
| Tier 2 |
$10,000
- $24,999 |
.55% |
.55% |
| Tier 3 |
$25,000 and over |
.70% |
.70% |
Minimum deposit to
open account $2500.00. Minimum to maintain account $0. Dividends calculated
daily on balances of $2,500 or more. Dividends paid monthly.
When reaching next highest Tier, all money in the account earns the higher
dividend rate. Only three withdrawals permitted in a month,
withdrawals over three will be charged a $10.00 excessive withdrawal
fee. Minimum withdrawal $100.00.
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Regular
Certificates of Deposit*
(more info) |
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|
APR |
APY |
|
$1,000-$4,999 |
6
Months |
.50% |
.50% |
|
$1,000-$4,999 |
12
Months |
.70% |
.70% |
|
$1,000-$4,999 |
24
Months |
.90% |
.90% |
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|
APR |
APY |
|
$5,000+ |
6
Months |
.65% |
.65% |
|
$5,000+ |
12
Months |
.85% |
.85% |
|
$5,000+ |
24
Months |
1.05% |
1.05% |
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IRA Certificates
of Deposit*
(more
info) |
|
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|
APR |
APY |
|
IRA ($500 min.) |
6
Months |
.65% |
.65% |
|
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12 Months |
.85% |
.85% |
|
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24 Months |
1.05% |
1.05% |
Regular certificate
minimum balance is $1,000. IRA certificate minimum balance is $500. *Rates
subject to change.
Annual Percentage
Rates for Loans
Cars - Trucks - Vans - Motorcycles - Boats - RVs
|
New Vehicle Loans |
|
Used Vehicle Loans |
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as low as 4.95% |
2010
- 2012 model year
no previous owners
(up to 72 months) |
as low as
4.95% |
2006 and newer
48 months |
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as low as 3.95% |
2010
- 2012 model year
under 20,000 miles
(up to 60 months) |
as low as
6.95% |
2005 (48 months) |
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as low as
9.9% |
2001-2004
(up to 36 months) |
Used 2010-2012 model vehicles with 20,000 miles or less are considered new
vehicles. Receive .25% off of your loan if you have Village Credit Union MasterCard and
another .25% for having Village Credit Union Share Draft Account. Not good on
promotional offers. Other restrictions may apply. See credit union for
full details. |
|
Signature
Loans
($3,000 min) |
|
MasterCard
and
Master Card Gold
(more info) |
|
as low as 10.9% |
24
month repayment |
12.9%
fixed rate, no annual fee |
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as low as 13.9% |
36
month repayment |
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Mortgage Loans
(more info) |
| A variety of loan options and terms are available, so please contact the
credit union for current rates. Call us at
(515) 243-4400 or
email our
mortgage department.
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Home Equity Loans
(more info) |
| Home Equity
Line-of-credit variable rate up to 10 years |
As low as
3.25% |
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Based on the Wall Street Journal
Prime rate |
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Other types of loans
available, please contact us for
further information.
*Rates are subject to change without notice.
All rates are expressed as annual percentage rate (APR) unless otherwise
noted. All loan financing is based upon credit qualifications. Rates are
applicable to new money only. Not all borrowers will qualify for the same
rate when a rate is listed "as low as". Rates listed "as low as" are based
on the borrower's creditworthiness, which includes factors such as debt
ratio and credit history, and include all Village Credit Union
relationship discounts.
Relationship discounts on fixed-rate, closed-end loans are available up to
.50% based on the following relationships:
Existing share draft account (open at least 30 days) = .25%
Existing credit card account (open at least 30 days) = .25%
Please see one of our lending professionals to determine your best rate.
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