| Loan Rates1 |
| TYPE |
TERM |
APR2 |
|
New/Used Cars (06
to 08) |
Up to 63 mos. |
6.00% to
17.75%
|
| |
72 mos.3 |
7.00% to 17.75% |
| Used Car (04 to 08) |
Up to 63 mos. |
6.24% to
17.75% |
| Used Car (02
to '03) |
Up to 60 mos. |
7.50% to
17.75% |
| Used Car (99 to 01)4 |
Up To 48 mos. |
8.30% to 17.75% |
|
| Home Equity Loan |
60 mos. |
6.50% |
|
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% |
|
| Visaฎ
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) |
|
9.50% to 17.00% |
|
1
|
Rates are effective as of
December
1, 2007 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 2005-2008
only, $20,000 and over. |
|
4 |
Call for more information
on loans for older model years. |
|
5 |
Rates
effective
November
28,
2007,
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 (December 2007) |
1.95%
- 3.85% |
|
Savings/Members Choice (3rd
Quarter 2007) |
1.00% |
|
IRA
(3rd Quarter 2007) |
2.30% |
|
Christmas
Club/Vacation
Club (3rd Quarter 2007) |
0.85% |
|
*
|
Yields
effective
as of
December 1,
2007
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 |
3.50% |
|
18 Month
|
4.75% |
|
24 Month |
4.75% |
|
30 Month |
4.65% |
|
36 Month |
4.65% |
|
48 Month |
4.50% |
|
60 Month |
4.50% |
|
*
|
Yields
in effect as of
December
12, 2007 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
(December 2007) |
0.50% |
|
Signature
Checking
(December 2007) |
0.70% |
|
Advantage 50
Checking
(December 2007) |
0.50% |
|
Clearview at
Work Checking
(December 2007) |
0.50% |
|
*
|
Yields
effective
as of
December 1,
2007 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. |
|
