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- Rates are effective as of September 18, 2008
- All rates are subject to change daily.
| Deposit Rates |
| Share and Club Accounts |
APR |
APY |
| |
0.75% |
0.752% |
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|
|
|
Dividends are paid Quarterly on Share and Vacation Club Accounts
with a minimum balance of $100.
Holiday Club Accounts post Dividend on the last day of September.
Holiday Club Accounts incur loss of Dividends for early withdrawal. | |
| Deposit Rates |
| IRA Share Accounts |
APR |
APY |
| |
0.75% |
0.752% |
| |
|
|
|
Dividends are paid Quarterly. | |
| Share Certificates of Deposit |
| Share Certificates - Tier 1 |
APR |
APY |
| 6 Month - ($500 Minimum Deposit) |
2.80% |
2.82% |
| 12 Month - ($1,000 Minimum Deposit) |
3.10% |
3.10% |
| 24 Month - ($1,000 Minimum Deposit) |
3.30% |
3.25% |
| 13 Month Special - ($500 Minimum Deposit) |
3.40% |
3.40% |
| |
|
|
| Share Certificates - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
2.90% |
2.92% |
| 12 Month - ($25,000 Minimum Deposit) |
3.20% |
3.20% |
| 24 Month - ($25,000 Minimum Deposit) |
3.40% |
3.34% |
| 13 Month Special - ($25,000 Minimum Deposit) |
3.50% |
3.50% |
| |
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All Share Certificates post dividends at maturity.
2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.
3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.
9 Month Certificate Special will rollover as a 6 Month Certificate at Maturity.
Tier level determined by opening deposit, not subject to change prior to dividend posting. | |
| IRA Certificates of Deposit |
| IRA Certificates - Tier 1 |
APR |
APY |
| 6 Month - ($500 Minimum Deposit) |
2.80% |
2.82% |
| 12 Month - ($1,000 Minimum Deposit) |
3.10% |
3.10% |
| 24 Month - ($1,000 Minimum Deposit) |
3.30% |
3.25% |
| 13 Month Special - ($500 Minimum Deposit) |
3.40% |
3.40% |
| |
|
|
| IRA Certificate - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
2.90% |
2.92% |
| 12 Month - ($25,000 Minimum Deposit) |
3.20% |
3.20% |
| 24 Month - ($25,000 Minimum Deposit) |
3.40% |
3.34% |
| 13 Month Special - ($25,000 Minimum Deposit) |
3.50% |
3.50% |
| |
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|
All IRA Certificates post dividends at maturity.
2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.
3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.
9 Month Certificate Special will rollover as a 6 Month Certificate at Maturity.
Tier level determined by opening deposit, not subject to change prior to dividend posting. | |
- Rates are effective as of September 18, 2008
- All rates are subject to change daily.
- There is a $3.00 Application Fee for all loans, unless otherwise noted.
| New Auto / Motorcycle Loans |
| Model Year |
Term |
APR |
APR With
Auto Pay |
| 2009 & 2007 |
24 |
6.25% |
5.25% |
| |
36 |
6.25% |
5.25% |
| |
48 |
6.50% |
5.50% |
| |
60 |
6.75% |
5.75% |
| * For vehicles valued at $20,000 + |
72 |
7.50% |
6.50% |
- 2007 model years with less than 10,000 miles qualify as new.
- 90% financing on auto loans based on dealer invoice or NADA value.
- 100% financing available for qualified borrowers on vehicles valued at $25,000 +
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
- Maximimum Term for Motorcycle Loans is 60 months.
| |
| Used Auto / Motorcycle Loans |
| Model Years |
Term |
APR |
APR With
Auto Pay* |
| 2007 - 2006 |
48 |
7.00% |
6.00% |
| |
60 |
7.00% |
6.00% |
| 2005 - 2004 |
48 |
7.25% |
6.25% |
| |
60 |
7.25% |
6.25% |
| 2003 and Older |
36 |
7.75% |
6.75% |
| |
48 |
8.50% |
7.50% |
- 90% financing for all used autos. Based on NADA Value.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
Recreational Vehicle Loans
|
| New and Used |
Term |
APR |
APR With
Auto Pay |
| Large RVs |
60 |
7.50% |
6.50% |
| Large RVs |
120 |
8.25% |
7.25% |
| Small RVs |
48 |
9.75% |
8.75% |
- 90% financing available for Large Recreational Vehicles (ie:Motor Homes, Travel Traillers, and Park Models)
- 100% financing and up to 120 month term available for Large Recreational Vehicles (ie:Motor Homes, Travel Traillers, and Park Models) with a vehicle valued of $30,000 + (Based on N.A.D.A. Book Value)
- 90% financing available for Small Recreational Vehicles (ie:ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles)
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Signature Loans |
| Maximum Limits |
Term |
APR |
APR With
Auto Pay |
| $10,000 Maximum Loan Limit* |
12 |
12.00% |
11.00% |
|
24 |
13.00% |
12.00% |
| |
36 |
14.00% |
13.00% |
- * Individual borrower limit subject to approval.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Revolving Signature Loans |
| Maximum Limit |
Term |
APR |
APR With
Auto Pay |
| $10,000 Maximum Loan Limit* |
36 |
14.00% |
13.00% |
|
|
|
|
- * Individual borrower limit subject to approval.
- $5.00 Application Fee.
- Advances can be requested at any time. Application good for 2 years.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Rate Buster Loans |
| Maximum Limit |
Term |
APR |
APR With
Auto Pay |
| $10,000 Maximum Loan Limit* |
24 |
9.50% |
8.50% |
|
48 |
11.00% |
10.00% |
- * Individual borrower limit subject to approval.
- This loan is for Credit Card payoff only. Loan may not be re-written.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Educational Loans |
| Maximum Limit |
Term |
APR |
APR With
Auto Pay |
| $10,000 Maximum Loan Limit* |
48 |
7.50% |
6.50% |
|
|
|
|
- * Individual borrower limit subject to approval.
- $10.00 Application Fee.
- Advances can be requested at any time. Application good for 4 years.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Share/Certificate Secured Loans |
| Maximum Limit |
Max.Term |
APR |
APR With
Auto Pay |
| 95% of Account Balance |
60 |
Dividend Rate + 3.50% |
Dividend Rate + 2.50% |
| |
|
|
|
- This is a variable rate loan.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Overdraft Line of Credit |
| Maximum Limit |
Term |
APR |
APR With
Auto Pay |
| $2,500 Maximum Credit Limit* |
12 |
15.50% |
14.50% |
| |
|
|
|
- * Individual borrower limit subject to approval.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
| |
| Fixed Rate Home Equity Loans |
| Maximum Limit |
Term |
APR |
APR With
Auto Pay |
| 80% LTV |
60 |
6.99% |
5.99% |
| 80% LTV |
120 |
6.99% |
5.99% |
| 80% LTV |
180 |
7.99% |
6.99% |
- Borrow $10,000 to $75,000 based on 80% Loan to Value of your house.
- There is a $100 Document Fee that is refunded at signing.
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
- We are an Equal Housing Lender.
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