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Rates

Rates Effective as of 06/28/2017
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 0.750 0.760 $50 -
Share Drafts (Checking) $250 0.150 0.150 $200 -
3-Month Share Certificate * $1,000 1.100 1.110 $1,000 Yes
6-Month Share Certificate * $1,000 1.200 1.210 $1,000 Yes
1-Year Share Certificate * $1,000 1.350 1.360 $1,000 Yes
2-Year Share Certificate * $1,000 1.600 1.610 $1,000 Yes
3-Year Share Certificate * $1,000 1.850 1.870 $1,000 Yes
4-Year Share Certificate * $1,000 2.100 2.120 $1,000 Yes
5-Year Share Certificate * $1,000 2.350 2.380 $1,000 Yes
Money Market Up to $49,999 $2,500 0.850 0.860 $50 -
Money Market - $50,000 & Up $2,500 1.000 1.010 $50 -
IRA shares * None 2.000 2.020 $50 Yes
Escrow share - 0.100 0.100 - -

* Share and IRA Certificates, which have a balance of $50,000.00 or more, and are placed or rolled over for a term of two (2) years or longer will receive a 0.10 % BONUS over the stated rate. *

* Share and IRA Certificates, which have a balance of $100,000.00 to 249,999, and are placed or rolled over for a term of one (1) year or longer will receive a 0.25 % BONUS over the stated rate. *

* Share and IRA Certificates, which have a balance of $250,000.00 or more, and are placed or rolled over for a term of one (1) year or longer will receive a 0.50 % BONUS over the stated rate. *

 

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Mortgage Rates

A loan amount of $220,000 will result in these monthly payments Estimated Payments*
1-4 Family Owner OCCUPIED / CONDOMINIUMS / CO-OPS Rate Annual Percentage Rate (APR)** Number of Months Rate Amount
       
10 Year Fixed Mortgage Zero Points 2.750% 2.7497%

119

1

2.750%

2.750%

$2,099.05

$2,098.04

15 Year Fixed Mortgage Zero Points 2.950% 2.9583%

179

1

2.950%

2.950%

$1,514.00

$1,512.80

20 Year Fixed Mortgage Zero Points 3.500% 3.5528%

239

1

3.500%

3.500%

$1,275.92

$1,272.78

25 Year Fixed Mortgage Zero Points 3.750% 3.7498%

299

1

3.750%

3.750%

$1,131.09

$1,130.39

30 Year Fixed Mortgage Zero Points 3.950% 3.9546%

359

1

3.950%

3.950%

$1,043.99

$1,038.66

5/5 Year Adjustable Zero Points 2.750% 4.4285%

60

60

60

179

1

2.750%

4.750%

6.750%

8.750%

8.750%

$898.13

$1,109.97

$1,306.02

$1,475.06

$1,474.51

7/1 Year Adjustable Zero Points 3.000% 4.4517%

84

12

12

251

1

3.000%

5.000%

7.000%

9.000%

9.000%

$927.53

$1,127.79

$1,340.88

$1,563.82

$1,560.42

15 Year Balloon 30 Year Payout 3.875% 3.8810%

179

1

3.750%

Baloon Payment

$1,018.85

$141,121.97

Primary Use Vacant Land      
3 Year Balloon / 25 Year Payout 6.625% 6.645%

35

1

6.625%

Baloon Payment

$1,502.69

$210,063.14

5 Year Balloon / 25 Year Payout 6.875% 6.888%

59

1

6.875%

Baloon Payment

$1,537.42

$201,769.95

Land for Investment Property Add .50 Basis Points      

* Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be larger. Other restrictions apply. For adjustable rate loans, after the initial period, rates and payments are based on the following margin: rate is variable and can increase by no more than 2 percentage points after the initial period and at each subsequent rate adjustment, with a lifetime maximum adjustment of 6%.

Assumptions

  • Owner occupied.
  • Down payment of 20%.
  • Member profile with qualifying credit.
  • Example based on $220,000 loan.

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

** The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.

Member Business Loans

1-4 Family (Non Owner Occupied) Rate Annual Percentage Rate (APR)
12 Year Fixed Zero Points 4.250% 4.2601%
15 Year Fixed Zero Points 4.375% 4.3833%
3 Year ARM Zero Points 3.500% 4.8302%
10 Year Balloon/30 Year Payout Fixed Mortgage 4.375% 4.3825%
Over 4 Family
12 Year Fixed Zero Points 4.750% 4.7602%
15 Year Fixed Zero Points 4.875% 4.8834%
3 Year ARM Zero Points 4.000% 5.3212%
10 Year Balloon/30 Year Payout Fixed Mortgage 5.000% 5.0077%
Five or Six Family Owner Occupied
12 Year Fixed Zero Points 4.875% 4.8852%
15 Year Fixed Zero Points 5.000% 5.0084%
10 Year Balloon/30 Year Payout Fixed Mortgage 4.875% 4.8826%
Commercial Real Estate
10 Year Balloon/30 Year Payout Half Point 6.625% 6.7061%

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 2.750% APR
13 to 24 Months 3.000% APR
25 to 36 Months 3.250% APR
37 to 48 Months 3.500% APR
49 to 60 Months 3.750% APR
Interest Only Loan-Single Payment  (Max 1 Year) 4.750% APR
5 Year Balloon/ 10 Year Payout Schedule 5.000% 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
 
Call us to check rates 914-220-4900

Auto Loan Rates

For Current Promotional Rates, click here

   
New Auto Loans 100% Financing*
Up to 4 Years 1.990% APR
5 Year 2.250% APR
Used Auto Loans 90% Financing
2 Year 3.250% APR
3 Year 3.500% APR
4 Year 3.750% APR
5 Year 4.000% APR
 
*With 660 Credit Score, otherwise 90% Financing (not including sales tax, tags, destination charges, etc.)

Specialty Loans

Semi-Trucks, Tractors, Trailers, RVs, House Trailers, Mobile/Manufactured Homes 8.500% APR

 

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Fee Schedule

effective September 26, 2011

Membership Entrance Fee (one time) $5.00
Regular share account closed within six months of opening $10.00
Share Draft Minimum Balance Fee $5.00 per month
Money Market Minimum Balance Fee $10.00 per month
Money Market over the limit fee (Reg D) $10.00
Teller Check One free per day
Each one after $1.00 each
Certified Share Draft $10.00
Foreign Check Processing $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 $20.00
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
3 day delivery $15.00
Special Rush $30.00
Outgoing Wire Transfer (up to $500.00) $20.00
Outgoing Wire Transfer (from $500.01 to $24,999.99) $35.00
Outgoing 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 $15.00
Lost Passbook Replacement Fee $5.00
Dormant / Inactive Account Fee (after 3 years) $15.00 annually
Letter of Credit Individual Accounts $25.00
Legal Notices Processing (Tax / Levy / Garnishments) $25.00
Safe Deposit Box Sizes Safe Deposit Box Annual Costs
3" x 5" x 21" $34.00
5" x 5" x 21" $60.00
3" x 10" x 21" $65.00
5" x 10" x 21" $90.00
10" x 10" x 21" $140.00
Friendly Service NO CHARGE

 

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To contact the Loan Department, call 914-220-4900, option 3.