| Loan Rates1 |
| TYPE |
TERM |
APR2 |
| New/Used Cars ('07 to '08) |
Up to 63 mos. |
5.24% to 17.75%
|
| |
72 mos.3 |
6.34% to 17.75% |
| Used Car ('05 to '08) |
Up to 63 mos. |
5.34% to
17.75% |
| Used Car ('03 to '04) |
Up to 60 mos. |
6.84% to
17.75% |
| Used Car ('00 to '02)4 |
Up To 48 mos. |
8.24% to 17.75% |
|
| Home Equity Loan |
60 mos. |
5.75% |
|
80% Loan-to-Value
|
84 mos. |
6.75% |
| |
180 mos. |
7.50% |
| |
240 mos. |
8.25% |
|
| Signature Loan (up to
$25,000) |
36 mos. |
9.50% to
17.75% |
| |
60 mos. |
10.75% to
17.75% |
|
| Visa®
Credit Cards5 |
Platinum Rewards |
Prime + 5.00%6 |
| |
Platinum |
9.50% |
| |
Gold |
10.00% |
| |
Classic |
11.50% |
| |
Introductory
Rate |
5.99%7 |
|
| PowerLine (Line of Credit) |
|
7.75% to 17.00% |
|
1
|
Rates are effective as of March 1, 2008 and are subject to change without notice. |
|
2 |
APR
=
Annual
Percentage
Rate.
All
loan
approvals
are
subject
to
normal
underwriting
guidelines.
Rates
quoted
represent
the
range
of
rates
available.
Rates
are
based
on
the
type
of
loan,
term
of
loan
and
your
creditworthiness.
Other
rates
and
terms
are
available.
Rates
include
a
.25%
discount
for
automatic
payment
excluding
Visa.
No
other
discounts
apply. |
|
3 |
Model years 2007-2008 only, $20,000 and over. |
|
4 |
Call for more information
on loans for older model years. |
|
5 |
Rates effective Jan 29, 2008, for new purchases, cash advances and balance transfers from other financial institutions only. |
|
6 |
APR is
Prime +
5.00%
for
purchases,
Prime +
7.00%
for cash
advances
and
balance
transfers.
Variable
APR is
based on
the
Prime
Rate as
published
in the
money
rates
section
of The
Wall
Street
Journal
on the
last day
of each
month
plus our
margin.
Variable
APR will
not
exceed
18.00%
or be
lower
than
6.50%
for your
balance
for
purchases
and
8.50%
for your
balance
for cash
advances
and
balance
transfers.
All
rates
are
subject
to
change
without
notice. |
|
7 |
Introductory
rate is
good for
purchases,
cash
advances
and
balance
transfers
and is
effective
until 6
months
from the
account
open
date. At
the
conclusion
of 6
months,
rates
will
revert
to
standard
revolving
APR.
Introductory
rate is
for new
accounts
only.
Changes
to
existing
Clearview
Visa
accounts
are not
eligible
for the
introductory
rate.
Existing
Clearview
loan and
Visa
balances
are not
eligible
for the
introductory
balance
transfer
rate. |
|
|
Savings Rates* |
|
|
ACCOUNT |
APY** |
| Money Market (March 2007) |
1.95% - 2.95% |
| Savings/Member's Choice (4th Quarter 2007) |
1.00% |
| IRA (4th Quarter 2007) |
2.30% |
| Christmas Club/Vacation Club (4th Quarter 2007) |
0.85% |
|
*
|
Yields effective as of March 1, 2008 and are subject to change without notice. Please contact the Credit Union for a complete list of current rates or for further information on applicable fees and terms. |
|
** |
APY = Annual Percentage
Yield. |
|
|
Certificate Rates* |
|
|
TERM |
APY** |
|
3 Month |
2.50% |
|
18 Month
|
3.25% |
|
24 Month |
3.25% |
|
30 Month |
3.00% |
|
36 Month |
3.00% |
|
48 Month |
3.25% |
|
60 Month |
3.25% |
|
*
|
Yields in effect as of March 1, 2008 and are subject to change without notice. Please contact the Credit Union for a complete list of current rates or for a copy of a disclosure booklet. |
|
** |
APY = Annual Percentage
Yield. |
|
|
Checking Dividend Rates* |
|
|
ACCOUNT |
APY** |
| Dividend Checking (March 2008) |
0.50% |
| Signature Checking (March 2008) |
0.70% |
| Advantage 50 Checking (March 2008) |
0.50% |
| Clearview at Work Checking (March 2008) |
0.50% |
|
*
|
Yields effective as of March 1, 2008 and are subject to change without notice. Please contact the Credit Union for a list of current rates or for further information on applicable fees and terms. |
|
** |
APY = Annual Percentage
Yield. |
|
