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Savings Rates | Mortgage Rates | Loan Rates | Auto Loan Rates | Fee Schedule
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Rates Effective as of 01/29/2010
Rates are subject to change without prior notice.
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Savings Rates
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Account
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Minimum Opening Balance
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Dividend
Rate
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Annual
Percentage
Yield
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Minimum Balance Required To Earn Annual Percentage Yield
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Penalty Imposed For Early Withdrawal
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Regular Shares
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$50
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1.000
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1.010
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$50
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-
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Share Drafts (Checking)
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$250
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0.250
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0.250
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$200
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-
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3-Month Share Certificate *
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$1,000
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1.700
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1.720
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$1,000
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Yes
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6-Month Share Certificate *
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$1,000
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1.900
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1.920
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$1,000
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Yes
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1-Year Share Certificate *
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$1,000
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2.150
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2.180
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$1,000
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Yes
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2-Year Share Certificate *
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$1,000
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2.650
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2.690
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$1,000
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Yes
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3-Year Share Certificate *
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$1,000
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2.750
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2.790
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$1,000
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Yes
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4-Year Share Certificate *
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$1,000
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2.900
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2.950
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$1,000
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Yes
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5-Year Share Certificate *
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$1,000
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3.150
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3.200
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$1,000
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Yes
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Money Market Up to $49,999
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$2,500
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1.400
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1.410
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$50
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-
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Money Market - $50,000 & Up
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$2,500
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1.650
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1.670
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$50
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-
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IRA shares *
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None
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3.000
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3.050
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$50
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Yes
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Escrow share
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-
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0.250
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0.250
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-
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-
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* 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. ***
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Mortgage Rates
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1-4 Family Owner OCCUPIED
Mortgages over the jumbo limit will be .50% higher
*** Not all borrowers will qualify for these rates ***
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RATE
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Annual Percentage Rate (APR)
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10 Year Fixed Mortgage
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Zero Points
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4.500%
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%
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15 Year Fixed Mortgage
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Zero Points
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4.750%
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%
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15 Year Fixed Mortgage
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One Point
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4.625%
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%
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15 Year Fixed Mortgage
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Two Points
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4.500%
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%
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20 Year Fixed Mortgage
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Zero Points
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5.000%
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%
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25 Year Fixed Mortgage
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Zero Points
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5.125%
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%
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30 Year Fixed Mortgage
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Zero Points
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5.250%
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%
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1 Year Adjustable
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Zero Points
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3.875%
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%
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3 Year Adjustable
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Zero Points
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4.125%
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%
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5 Year Adjustable
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Zero Points
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4.250%
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%
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7 Year Adjustable
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Zero Points
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4.625%
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%
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15 Year Balloon
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30 Year Payout
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5.125%
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%
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Primary Use Vacant Land
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RATE
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APR
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3 Year Balloon / 25 Year Payout
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6.625%
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6.645%
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5 Year Balloon / 25 Year Payout
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6.875%
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6.888%
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Land for Investment Property
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Add .50 Basis Points
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Condominiums
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15 Years
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Same as 1st Mortgage Rates
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30 Year ARM
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Same as 1st Mortgage Rates
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Member Business Loans
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1-4 Family (Non Owner Occupied)
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.000%
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%
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15 Year Fixed
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Zero Points
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7.125%
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%
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3 Year ARM
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Zero Points
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6.250%
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%
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10 Year Balloon / 30 Year Payout
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Fixed Mortgage
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7.125%
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%
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Over 4 Family
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.000%
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%
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15 Year Fixed
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Zero Points
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7.125%
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%
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3 Year ARM
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Zero Points
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6.250%
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%
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10 Year Balloon/30 Year Payout
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Fixed Mortgage
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7.250%
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%
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Four to Six Family Owner Occupied
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.125%
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%
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15 Year Fixed
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Zero Points
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7.250%
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%
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10 Year Balloon/30 Year Payout
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Fixed Mortgage
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7.125%
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%
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Commercial Real Estate
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RATE
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APR
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10 Year Balloon/30 Year Payout
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Half Point
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7.625%
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%
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Construction Loan
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RATE
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APR
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Owner Occupied Residence
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7.875%
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%
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Non-Owner Occupied Residence
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8.125%
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%
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Commercial
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8.375%
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%
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Home Equity Line of Credit
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5 Year Draw
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15 Year (Max) Payback Period
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Prime for Life of Loan (4.00% minimum)
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Loan Rates
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Pledge of Shares
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Up to 12 Months
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3.500% APR
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13 to 24 Months
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3.750% APR
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25 to 36 Months
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4.000% APR
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37 to 48 Months
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4.250% APR
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49 to 60 Months
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4.500% APR
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Interest Only Loan-Single Payment (Max 1 Year)
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5.500% APR
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5 Year Balloon/ 10 Year Payout Schedule
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5.750% APR
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Pledge of Certificate
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2.0% Higher Than CD Rate Up to 24 months / Xtra .25% for 25 to 60 Months
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Pledge of Money Market Accounts
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2.0% Higher Than Money Market Rate Up to 24 months / Xtra .25% for 25 to 60 Months
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Personal Loans
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Up to 36 Months
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11.250% APR
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37 to 60 Months
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11.750% APR
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Student Loans
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Call us to check rates 914-220-4900
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Auto Loan Rates
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New & Used Auto Loans
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80% Financing
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80-90% Financing
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2 Year
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4.250% APR
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4.500% APR
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3 Year
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4.500% APR
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4.750% APR
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4 Year
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4.750% APR
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5.000% APR
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5 Year
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5.000% APR
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5.250% APR
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Specialty Loans
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Semi-Trucks, Tractors, Trailers, RVs, House Trailers, Mobile/Manufactured Homes
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8.500% APR
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Fee Schedule
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Membership Entrance Fee (one time)
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$2.25
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Share Draft Minimum Balance Fee
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$5.00 per month
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Money Market Minimum Balance Fee
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$10.00 per month
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Teller Check
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One free per day
Each one after $1.00 each
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Certified Share Draft
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$10.00
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Deposited Checks (and other items)
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Returned Unpaid
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1st time $20.00
2nd time $30.00
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Overdraft Transfer
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By computer $3.00
By employee $5.00
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Non Sufficient Funds Item (Member Share Drafts / ACH)
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$10.00
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Account Research
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$25.00 per hour
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Check Reconciliation
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$25.00 per hour
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Research of Paid Checks
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$25.00 per hour
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Stop Payment
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Member Share Draft $15.00
Bank Check $25.00
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Non-Member Check Cashing Fee (On-Us Only)
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1% of check amount or $10.00 minimum
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ATM / VISA Card Replacement
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$5.00
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Outgoing Wire Transfers
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Wire Transfer (up to $500.00)
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$20.00
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Wire Transfer (from $500.01 to $24,999.99)
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$35.00
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Wire Transfer (from $25,000.00 and up)
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$50.00
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Substitute 1098 / 1099 Form
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$5.00
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Notary Service
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Members Free
Non-Members $2.00
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Signature Guarantee
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Members Free
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Fax Service
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Domestic $1.00 per page
International $5.00 per page
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Returned Mail - Outdated Address / Address Unknown
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$5.00
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Copy of Share Draft
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Original (Avail 45 days) $2.00
After one year $5.00
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Immigration / Verification of Deposits & Other Letters
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$10.00
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Lost Passbook Replacement Fee
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$5.00
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Dormant / Inactive Account Fee (after 3 years)
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$10.00 annually
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Letter of Credit
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Individual Accounts $20.00
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Legal Notices Processing (Tax / Levy / Garnishments)
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$25.00
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Friendly Service
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NO CHARGE
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