|
|
(Effective As of 10/01/09)
|
Minimum Balance
|
RATE*
|
APY**
|
| Prime Daily Savings
|
$5
|
.25%
|
.25%
|
| College Management
|
$1
|
.25%
|
.25%
|
| I.R.A. Share
|
$1 & over
|
1.00%
|
1.00%
|
| Super Saver Account
|
$25,000-$49,999
|
1.25%
|
1.26%
|
| Super Saver Account
|
$50,000 & over
|
1.50%
|
1.51%
|
| Money Market
|
$1,000-$9,999
|
.75%
|
.75%
|
| Money Market
|
$10,000 & over
|
1.00%
|
1.01%
|
| Share Club
|
$1
|
.25%
|
.25%
|
CERTIFICATES
(Effective As of 01/22/10)
|
Minimum Balance
|
RATE*
|
APY**
|
Penalty Calculated Same as Dividends
|
| Youth 6 Month
|
$500
|
.75%
|
.75%
|
90 days
|
| Youth 12 Month
|
$500
|
1.25%
|
1.26%
|
90 days
|
| 3 Month
|
$1,000
|
.50%
|
.50%
|
90 days
|
| 6 Month
|
$1,000
|
.75%
|
.75%
|
90 days
|
| 12 Month
|
$1,000
|
1.25%
|
1.26%
|
90 days
|
| 18 Month
|
$1,000
|
1.50%
|
1.51%
|
90 days
|
| 24 Month
|
$1,000
|
2.00%
|
2.02%
|
180 days
|
| 36 Month
|
$1,000
|
2.50%
|
2.52%
|
180 days
|
| 48 Month
|
$1,000
|
2.75%
|
2.78%
|
365 days
|
| 60 Month
|
$1,000
|
3.00%
|
3.03%
|
365 days
|
|
TRADITIONAL & ROTH I.R.A. CERTIFICATES (Effective As of 01/22/10)
|
Minimum Balance
|
RATE*
|
APY**
|
Penalty Calculated Same as Dividends
|
| 3 Month
|
$1,000
|
.60%
|
.60%
|
90 days
|
| 6 Month
|
$1,000
|
.85%
|
.85%
|
90 days
|
| 12 Month
|
$1,000
|
1.35%
|
1.36%
|
90 days
|
| 18 Month
|
$1,000
|
1.60%
|
1.61%
|
90 days
|
| 24 Month
|
$1,000
|
2.10%
|
2.12%
|
180 days
|
| 36 Month
|
$1,000
|
2.60%
|
2.63%
|
180 days
|
| 48 Month
|
$1,000
|
2.85%
|
2.88%
|
365 days
|
| 60 Month
|
$1,000
|
3.10%
|
3.14%
|
365 days
|
COVERDELL
ESA CERTIFICATES
(Effective As of 01/22/10)
|
Minimum Balance
|
RATE*
|
APY**
|
Penalty Calculated Same as Dividends
|
| 3 Month
|
$500
|
.60%
|
.60%
|
90 days
|
| 6 Month
|
$500
|
.85%
|
.85%
|
90 days
|
| 12 Month
|
$500
|
1.35%
|
1.36%
|
90 days
|
| 18 Month
|
$500
|
1.60%
|
1.61%
|
90 days
|
| 24 Month
|
$500
|
2.10%
|
2.12%
|
180 days
|
| 36 Month
|
$500
|
2.60%
|
2.63%
|
180 days
|
| 48 Month
|
$500
|
2.85%
|
2.88%
|
365 days
|
| 60 Month
|
$500
|
3.10%
|
3.14%
|
365 days
|
*Rates and Terms Subject to Change
**APY = Annual Percentage Yield/Rates and Terms Subject to Change
These Rate Schedules for Share Accounts sets forth certain conditions and rates applicable on all your shares, share draft, money market accounts, share certificates, and I.R.A. certificates as of the date of this disclosure. This schedule is incorporated as part of your account agreement with Catholic Federal, P.O. Box 6338, Saginaw, MI 48603, 989-799-8744 or 1-800-798-2328.Penalties may apply for early withdrawals.
Note: The annual percentage yields listed assume that dividends remain on deposit. Certificates with no compounding or a withdrawal of dividends will reduce earnings. Rates and terms are subject to change.
Effective April 1, 2006 the NCUA has increased share insurance limits to $250,000 for retirement accounts such as Traditional & Roth IRAs (Individual Retirement Accounts).
NEW AUTO LOANS RATES - Effective as of 2/4/10
| Up to 36 Months
|
2009-2010
|
2.90%***
|
| 37 to 48 Months
|
2009-2010
|
3.25%***
|
| 49 to 60 Months
|
2009-2010
|
3.90%***
|
| 61 to 72 Months
|
2009-2010
|
4.50%***
|
| 73 to 84 Months
|
2009-2010
|
5.50%***
|
***Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
72 Month Term Requires Minimum Loan Amount of $15,000
USED AUTO LOAN RATES - Effective as of 2/4/10
Up to 60 Months
|
2005 - 2008
|
4.50%***
|
| 61 to 66 Months
|
2006 - 2008
|
5.25%***
|
| Up to 66 Months
|
2009 - 2010
|
4.50%***
|
For Rates and Terms on Vehicles 2004 and older, call (800) 798-2328 for more information.
***Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
MORTGAGE RATES - Rates listed are effective 7/01/2009
Call for Details
First Mortgages
|
Description
|
Term/Months
|
APR***
|
Requirements
|
5 Year Balloon
|
60 to 360
|
4.50%
|
0 - 20 % Down*
|
7 Year Balloon
|
84 to 360
|
4.60%
|
0 - 20 % Down*
|
10 Year Balloon
|
120 to 360
|
4.75%
|
|
5 Year Fixed
|
60 Months
|
4.50%
|
|
10 Year Fixed
|
120 Months
|
4.75%
|
|
15 Year Fixed
|
Contact the credit union
|
|
30 Year Fixed
|
for current rates
|
0 - 20 % Down*
|
*Contact the Credit Union For Details
2nd Mortgages 90% Lending
|
5 Year Balloon
|
6.50%
|
5 Year Fixed
Home Equity
|
6.35%
|
10 Year Fixed
Home Equity
|
6.75%
|
2nd Mortgage balloons can be amortized over 10-15 years.
Estimated Closing Costs
| Application Fee
|
$0.00
|
| Appraisal Fee (Sag., Bay, Mid.)
|
$300.00
|
| Flood Determination
|
$22.00
|
| Survey (Construction)
|
$260.00
|
| Recording Fees
|
$70.00
|
| Title Insurance-Based on amount financed
|
|
***Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
Home Equity Line of Credit Rates
HELOC eff. 07/01/09
|
4.90%***
|
***The corresponding Variable Percentage Rate on a Home Equity Line of Credit will never exceed 18%, and will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law. Variable Percentage Rate, rate subject to change.
|
|
8.75% APR***
|
|
|
5.99% APR***
|
Mortorcycles, ATV's,
Jet Ski's
|
5.99% APR***
|
Small RV's
|
5.99% APR***
|
Large RV's
|
7.75%APR***
|
***Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
**Annual Percentage Rate. Subject to change.
|
