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Savings Rates | Mortgage Rates | Loan Rates | Auto Loan Rates | Fee Schedule

 

Rates Effective as of 01/29/2010
Rates are subject to change without prior notice.

 

Savings Rates

Account

Minimum Opening Balance

Dividend
Rate

Annual
Percentage
Yield

Minimum  Balance Required To Earn Annual Percentage Yield

Penalty Imposed For Early Withdrawal

Regular Shares

$50

1.000

1.010

$50

-

Share Drafts (Checking)

$250

0.250

0.250

$200

-

3-Month Share Certificate *

$1,000

1.700

1.720

$1,000

Yes

6-Month Share Certificate *

$1,000

1.900

1.920

$1,000

Yes

1-Year Share Certificate *

$1,000

2.150

2.180

$1,000

Yes

2-Year Share Certificate *

$1,000

2.650

2.690

$1,000

Yes

3-Year Share Certificate *

$1,000

2.750

2.790

$1,000

Yes

4-Year Share Certificate *

$1,000

2.900

2.950

$1,000

Yes

5-Year Share Certificate *

$1,000

3.150

3.200

$1,000

Yes

Money Market Up to $49,999

$2,500

1.400

1.410

$50

-

Money Market - $50,000 & Up

$2,500

1.650

1.670

$50

-

IRA shares *

None

3.000

3.050

$50

Yes

Escrow share

-

0.250

0.250

-

-

 

* Share and IRA Certificates, which have a balance of $50,000.00 or more, and are placed or rolled over

for a term over two (2) years will receive a 0.15 % BONUS over the stated rate. In addition,

if a share certificate has over $100,000.00, the member will receive a 0.15 % BONUS over the stated rate.

*** A share certificate can only have ONE bonus. ***

 

 

 

Mortgage Rates

1-4 Family Owner OCCUPIED

Mortgages over the jumbo limit will be .50% higher

*** Not all borrowers will qualify for these rates ***

RATE

Annual Percentage Rate (APR)

10 Year Fixed Mortgage

Zero Points

4.500%

%

15 Year Fixed Mortgage

Zero Points

4.750%

%

15 Year Fixed Mortgage

One Point

4.625%

%

15 Year Fixed Mortgage

Two Points

4.500%

%

20 Year Fixed Mortgage

Zero Points

5.000%

%

25 Year Fixed Mortgage

Zero Points

5.125%

%

30 Year Fixed Mortgage

Zero Points

5.250%

%

1 Year Adjustable

Zero Points

3.875%

%

3 Year Adjustable

Zero Points

4.125%

%

5 Year Adjustable

Zero Points

4.250%

%

7 Year Adjustable

Zero Points

4.625%

%

15 Year Balloon

30 Year Payout

5.125%

%

Primary Use Vacant Land

RATE

APR

3 Year Balloon / 25 Year Payout

6.625%

6.645%

5 Year Balloon / 25 Year Payout

6.875%

6.888%

Land for Investment Property

Add .50 Basis Points

Condominiums

15 Years

Same as 1st Mortgage Rates

30 Year ARM

Same as 1st Mortgage Rates

Member Business Loans

1-4 Family (Non Owner Occupied)

RATE

APR

12 Year Fixed

Zero Points

7.000%

%

15 Year Fixed

Zero Points

7.125%

%

3 Year ARM

Zero Points

6.250%

%

10 Year Balloon / 30 Year Payout

Fixed Mortgage

7.125%

%

Over 4 Family

RATE

APR

12 Year Fixed

Zero Points

7.000%

%

15 Year Fixed

Zero Points

7.125%

%

3 Year ARM

Zero Points

6.250%

%

10 Year Balloon/30 Year Payout

Fixed Mortgage

7.250%

%

Four to Six Family Owner Occupied

RATE

APR

12 Year Fixed

Zero Points

7.125%

%

15 Year Fixed

Zero Points

7.250%

%

10 Year Balloon/30 Year Payout

Fixed Mortgage

7.125%

%

Commercial Real Estate

RATE

APR

10 Year Balloon/30 Year Payout

Half Point

7.625%

%

Construction Loan

RATE

APR

Owner Occupied Residence

7.875%

%

Non-Owner Occupied Residence

8.125%

%

Commercial

8.375%

%

Home Equity Line of Credit

   

5 Year Draw

15 Year (Max) Payback Period

Prime for Life of Loan (4.00% minimum)

 

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Loan Rates

Pledge of Shares

Up to 12 Months

3.500% APR

13 to 24 Months

3.750% APR

25 to 36 Months

4.000% APR

37 to 48 Months

4.250% APR

49 to 60 Months

4.500% APR

Interest Only Loan-Single Payment  (Max 1 Year)

5.500% APR

5 Year Balloon/ 10 Year Payout Schedule

5.750% APR

Pledge of Certificate

2.0% Higher Than CD Rate Up to 24 months / Xtra .25% for 25 to 60 Months

Pledge of Money Market Accounts

2.0% Higher Than Money Market Rate Up to 24 months / Xtra .25% for 25 to 60 Months

Personal Loans

Up to 36 Months

11.250% APR

37 to 60 Months

11.750% APR

Student Loans

Call us to check rates  914-220-4900

 

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Auto Loan Rates

New & Used Auto Loans

80% Financing

80-90% Financing

2 Year

4.250% APR

4.500% APR

3 Year

4.500% APR

4.750% APR

4 Year

4.750% APR

5.000% APR

5 Year

5.000% APR

5.250% APR

 

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Specialty Loans

Semi-Trucks, Tractors, Trailers, RVs, House Trailers, Mobile/Manufactured Homes

8.500% APR

 

 

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Fee Schedule

Membership Entrance Fee (one time)

$2.25

Share Draft Minimum Balance Fee

$5.00 per month

Money Market Minimum Balance Fee

$10.00 per month

Teller Check

One free per day
Each one after $1.00 each

Certified Share Draft

$10.00

Deposited Checks (and other items)  

Returned Unpaid

1st time $20.00
2nd time $30.00

Overdraft Transfer

By computer $3.00

By employee $5.00

Non Sufficient Funds Item (Member Share Drafts / ACH)

$10.00

Account Research

$25.00 per hour

Check Reconciliation

$25.00 per hour

Research of Paid Checks

$25.00 per hour

Stop Payment

Member Share Draft $15.00
Bank Check $25.00

Non-Member Check Cashing Fee (On-Us Only)

1% of check amount or $10.00 minimum

ATM / VISA Card Replacement

$5.00

Outgoing Wire Transfers

Wire Transfer (up to $500.00)

$20.00

Wire Transfer (from $500.01 to $24,999.99)

$35.00

Wire Transfer (from $25,000.00 and up)

$50.00

Substitute 1098 / 1099 Form

$5.00

Notary Service

Members Free
Non-Members $2.00

Signature Guarantee

Members Free

Fax Service

Domestic $1.00 per page
International $5.00 per page

Returned Mail - Outdated Address / Address Unknown

$5.00

Copy of Share Draft

Original (Avail 45 days) $2.00
After one year $5.00

Immigration / Verification of Deposits & Other Letters

$10.00

Lost Passbook Replacement Fee

$5.00

Dormant / Inactive Account Fee (after 3 years)

$10.00 annually

Letter of Credit

Individual Accounts $20.00

Legal Notices Processing (Tax / Levy / Garnishments)

$25.00

Friendly Service

NO CHARGE

 

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