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All
Deposit Rates Disclosed As An Annual Percentage Yield (APY)
Untitled Document
All Deposit Rates Effective Sunday, September 1, 2002.
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$0 - 9,999.99 |
1.25%
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$10,000 - 19,999.99 |
1.25%
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$20,000 - 49,999.99 |
1.50%
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$50,000+ |
1.75%
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Holiday Club Savings |
1.00%
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VISA Secure Savings |
1.25%
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SmartSaver CD ($250 minimum) |
2.00%
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| Premier
Money Market Account ($10,000 minimum)
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$0 - 9,999.99 |
1.25%
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$10,000 - 19,999.99 |
1.65%
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$20,000 - 49,999.99 |
1.90%
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$50,000+ |
2.15%
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| Regular
Certificates of Deposit ($2,000 minimum) |
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90-day |
1.65%
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6-month |
1.85%
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12-month |
2.25%
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18-month |
2.50%
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24-month |
3.00%
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36-month |
3.50%
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48-month |
4.00%
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60-month |
4.50%
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| IRAs
Cash Accounts |
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$0 - 9,999.99 |
1.25%
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$10,000 - 19,999.99 |
1.25%
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$20,000 - 49,999.99 |
1.50%
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$50,000+ |
1.75%
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| Traditional
IRA Certificates of Deposit ($2,000 minimum)
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12-month |
2.25%
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18-month |
2.50%
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24-month |
3.00%
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36-month |
3.50%
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48-month |
4.00%
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60-month |
4.50%
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| Roth
IRA Certificates of Deposit ($2,000 minimum)
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12-month |
2.25%
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18-month |
2.50%
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24-month |
3.00%
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36-month |
3.50%
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48-month |
4.00%
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60-month |
4.50%
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| Deferred
Compensation Plan (DCP) |
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Option 1 (Fixed) |
4.00%
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Option 2 (Variable) |
3.50%
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For CDs, a penalty is imposed for early withdrawal of
funds. Fees can reduce the earnings on an account. Please
ask an EECU Representative about the requirements, fees
and transaction limitations on each savings option. |
All Loan Rates Disclosed As An Annual Percentage Rate (APR)
All Loan Rates Effective September 16, 2002.
Rates subject to change. Refinances valid only on loans originally
financed through other institution or sources.
| Vehicle
Loan Rates - Conventional Financing (100% of sticker price)
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New Automobiles |
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up
to 36 months |
5.50%*
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up to 48 months |
6.25%*
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up to 60 months |
6.50%*
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up to 72 months ($20,000 minimum) |
7.25%*
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| Used
Automobiles (100% of retail value) |
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2000-2003 Models up to 60 months |
6.75%*
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1997-99 Models up to 48 months |
7.00%*
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1994-96 Models up to 36 months |
7.50%*
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New/Used Boats & RVs (85% of retail value) |
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$25,000 or less, up to 72 months |
7.50%*
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$25,000-$49,999, up to 120 months |
7.25%*
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$50,000 or more, up to 180 months |
7.00%*
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| *
Receive this discounted loan rate when you choose the Automatic Payment
(Payroll Deduction, Direct Deposit, Automatic Transfer of Funds, or Express
Transfer) rate incentive offered by EECU. Otherwise, the rate is 0.25%
higher |
| New
Motorcycles |
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(75% of purchase) up to 36 months |
12.50%
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| Other
Types of Loans |
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Computer Loan |
8.25%
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24-month maximum term.
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Tuition Loan |
9.90%
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Pay for tuition expenses for all grades. Repayment
equals tuition period, with a max. term of ten
(10) months.
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Certificate-Secured Loan
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3.25%
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Rate calculated by Prime minus 1.50%. This loan
is secured by a CD. Variable loan-rate can change
quarterly. |
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Home
Equity Line-Of-Credit
(Valid on Missouri property only.) |
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Plan I |
9.00%*
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Rate can change quarterly. |
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Caps: 1/2% quarterly; 6% lifetime. |
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Index: Wall Street Prime + 0.75%*. |
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Floor: 9.0%. |
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Plan II |
5.50%*
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Rate can change quarterly. |
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Caps: 1% per quarter. |
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Index: Wall Street Prime + 0.75%*. |
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Floor: None. |
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Plan III |
8.00%*
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Rate can change monthly. |
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Caps: 18% |
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Index: Wall Street Prime + 0.75%*. |
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Floor: 8%. |
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* Change in terms due to a temporary reduction in the
Margin, effectively reducing the variable interest rate
as of 10/01/2001. Plan I and Plan III current APR as required
by the Floor of these Plans.
Valid on Missouri property only. |
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Home Improvement Loan |
10.00%
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60-month
maximum term. $10,000 maximum loan. Valid on Missouri property only.
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| Closed
End Second Mortgage (Valid on Missouri property only.)
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5-yr, 80% LTV |
7.00%
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10-yr, 80% LTV |
8.75%
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5-yr, 100% LTV |
9.99%
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10-yr, 100% LTV |
11.99%
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Rate calculated by Prime minus 1.50%. This loan
is secured 100% by an EECU Savings account. This
rate can adjust quarterly. |
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| VISA
Credit Card Rates |
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VISA Classic |
14.9% |
(no autopay) |
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VISA Classic |
12.9% |
(w/ autopay) |
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VISA Gold |
12.9% |
(no autopay) |
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VISA Gold |
10.9% |
(w/ autopay) |
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