Rates








SHARE AND SHARE DRAFT ACCOUNT RATES

Effective:

ACCOUNT NAME

RATE
TYPE

MINIMUM
OPENING
BALANCE

MINIMUM
TO EARN
DIVIDEND

DIVIDEND
RATE

ANNUAL
PERCENTAGE
YIELD

DIVIDEND
DECLARATION
DATE

Regular Share Savings Variable $25.00 $25.00 .60% .60% 6/26/2008
Youth Share Savings (<age 18) Variable $5.00 $5.00 .60% .60% 6/26/2008
S55 (Life Ins. Savings) Variable N/A $25.00 .35% .35% 6/26/2008
Star Savings Variable $25.00 $0 .60% .60% 6/26/2008
Money Market Variable $2,500.00 $2,500.00 1.90% 1.92% 6/26/2008
Business/Organization Savings Variable $25.00 $25.00 .60% .60% 6/26/2008
IRA Share Savings Variable $50.00 $50.00 2.60% 2.63% 6/26/2008
Share Draft N/A $0 N/A N/A N/A 6/26/2008
Call the credit union for current Certificate rate information.

View Savings Rates Disclosures

LOAN RATES

 Effective: July 1, 2008 

TYPE TERM ANNUAL PERCENTAGE RATE (APR)*
Signature up to 36 months 12.00% to 18.00%
Share Secured Loan rate is determined based on current share rate on account securing loan plus 2%. The Annual Percentage Rate and corresponding daily periodic rate are disclosed on the Advance Request Voucher at the time of the advance.

Home Equity LOC (up to           80% LTV**)

up to 120 months 5.50%   variable
New Autos
(2006 - 2008 models)

up to 36 months 4.75% to 10.75%
37-48 months 5.00% to 11.00%
49-60 months 5.25% to 11.25%
61-72 months 5.50% to

11.50%

73-84 months 6.00% to

12.00%

Used Autos
(2002 - 2005 models)

up to 48 months 6.75% to 12.75%
49-60 months 7.00% to 13.00%
61-72 months 7.25% to 13.25%
(2001 and older models) up to 48 months 8.25% to

14.25%

Recreational Merchandise
(Motorcycles, boats, motorhomes, travel trailers)
up to 48 months 4.99% to 10.99%
up to 60 months 5.99% to 11.99%
60+ months 6.99% to 12.99%
Fixed-Rate 2nd Mortgages
(51-80% LTV**)
up to 180 months 7.99% to 13.99%
Fixed-Rate 2nd Mortgages
(up to 50% LTV**)
up to 180 months Loan rate varies based on index rate, plus up to 6%, depending on individual credit score.
Index is 15-year fixed mortgage rate published by One Washington Financial Mortgage.  Rate may be "locked" upon approval of loan.
Mobile Home Purchase up to 144 months 11.00% to 17.00%

*Your Annual Percentage Rate (APR) is determined by your individual credit history at the time of application.  On vehicle loans length of the loan term is also a factor in determining your Annual Percentage Rate.  For Signature/Collateral loans, the percentage of the loan balance that is secured by collateral will also be a factor used in determining loan rate.  The Annual Percentage Rate and the corresponding daily periodic rate will be disclosed on the Advance Request Voucher at the time of the advance.  Please contact a loan officer to determine your individual interest rate.

**LTV=Loan to Value, the percentage of the total value of the property, less any amount owed on a 1st Trust Deed.

 

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