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Rates current as of September 1, 2010 |
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APR -- Annual Percentage Rate
(reflects your actual interest rate and any additional costs such as prepaid interest or closing costs)
Rates subject to change without notice |
APY -- Annual Percentage Yield
(the yield you earn on a deposit over a year)
National average rates provided by DataTrac. Datatrac is an unbiased research firm which monitors interests rates from over 20,000 financial institutions nationwide. |
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Checkings and Savings
| Savings |
$100.00 |
monthly |
0.25%
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0.25%
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0.26%
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| Checking |
$2,000.00 |
monthly |
0.20%
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0.20%
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0.19%
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| Money Market |
$1.00 |
monthly |
0.58%
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0.59%
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0.31%
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$25,000.00 |
monthly |
0.80%
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0.81%
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0.51%
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$100,000.00 |
monthly |
1.03%
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1.04%
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0.68%
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| IRA Market
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$1.00 |
monthly |
0.58%
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0.59%
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0.63%
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$25,000.00 |
monthly |
0.80%
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0.81%
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* |
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$100,000.00 |
monthly |
1.03%
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1.04%
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* |
| Health Savings Account |
$1.00 |
monthly |
0.58%
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0.59%
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* |
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$25,000.00 |
monthly |
0.80%
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0.81%
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* |
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$100,000.00 |
monthly |
1.03%
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1.04%
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* |
| Holiday Savings |
* |
monthly |
0.25%
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0.25%
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* |
| Vacation Savings |
* |
monthly |
0.25%
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0.25%
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* |
* No national averages are shown for these products/tiers due to the fact that this offering is not commonly available at other financial institutions.
Savings insured up to $250,000, and Individual Retirement Accounts are separately insured to $250,000, by the National Credit Union Administration, a U.S. Government agency. An additional $250,000 of coverage is provided by Excess Share Insurance. Federal regulations prohibit the payment of dividends in excess of available earnings. All dividends are calculated using the daily balance method, compounded monthly and paid monthly. Any deposits or withdrawals will affect the actual APY earned. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.
Savings and Checking Account dividend rates are based on the Credit Union’s earnings at the end of the dividend period, and thus cannot be declared in advance. Vacation and Holiday Savings withdrawals are limited to program parameters.
Money Market Accounts have a withdrawal minimum of $500 with a limit of six withdrawals (3 of which can be by check) per month. Monthly minimum balance fee of $10.00 is assessed on account balances less than $2,500. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.
Certificates (including Traditional and Roth IRAs, Coverdell Education Savings Accounts, and HSAs)
| 6 months |
$1,000.00 |
monthly |
1.05%
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1.06%
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0.61%
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| 12 months |
$1,000.00 |
monthly |
1.32%
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1.33%
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0.88%
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| 18 months |
$1,000.00 |
monthly |
1.50%
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1.52%
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0.99%
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| 30 months |
$1,000.00 |
monthly |
1.94%
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1.96%
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1.27%
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| 60 months |
$1,000.00 |
monthly |
2.69%
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2.73%
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2.16%
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Early withdrawal penalties may apply, and fees may reduce earnings. Education IRAs require no minimum and are not available for a 6-month term. Super Jumbo Certificates are also available.
Vehicle Loans (Rates as low as displayed for new and used automobiles, motorcycles, RVs, and boats)
* No national averages are shown for these products/tiers due to the fact that this offering is not commonly available at other financial institutions.
Rates displayed assume excellent credit history, apply to a 2009 or newer vehicle with 91-100% loan-to-value, and is applicable for members with checking, direct deposit and automatic loan payments. Rates are based on creditworthiness, vehicle model year, loan-to-value and term. Advertised rates are subject to change at any time.
Personal Loans (Rates as low as displayed)
* No national averages available.
All loans subject to credit approval. Actual rate received is based on your credit qualifications and Express Advantage status.
Student Loans (Rates as low as displayed)
Home Equity Loans (Rates as low as displayed)
Rates as low as displayed and APR effective as of April 1, 2010. Home Equity Line of Credit and Home Equity Loans have no closing costs and are available to members residing in Arizona, California, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New York, Pennsylvania, Texas, and Wisconsin. If residing in FL, GA or NY, closing costs include appraisal, title and recording fees, but not state or county taxes/fees, which range from $10 to $5,000 depending on state and amount of Home Equity Loan/Line of Credit.
If the Home Equity Loan is paid in full or the Home Equity Line of Credit is closed down within 12 months of opening, the closing costs must be repaid, typically $500 to $2,000. Home Equity Line of Credit rate changes are based on the prime rate published in the Wall Street Journal. The maximum Home Equity Line of Credit rate is 18%. All loans subject to credit approval.
Displayed Home Equity Loan rate is based on a loan amount of $75,000 or more for 5 years. Displayed Home Equity Lines of Credit rates are based on credit limits of $75,000 or more. Actual rate received is based on your loan amount, term, credit qualifications and Express Advantage status.
Payment Example: A loan in the amount of $75,000 with an interest rate of 6.00% APR will result in a monthly payment of approximately $1,450 for a 60-month term. Rate shown is for Express Advantage members at 90% LTV, and assumes excellent credit history.
Mortgages (Rates change daily. Click the product link to view current sample rates.)
Click here for all current rates or to apply online. Rates may change daily. Call 1-847-576-5199 for more information or visit our mortgage website to see all of our mortgage options, pre-qualify for a loan, apply instantly online, and check out our vast array of tools to help you find the home loan that fits your needs. All loans subject to credit approval. Actual rate received is based on your credit qualifications and Express Advantage status.
Credit Cards
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Visa Platinum |
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Annual Percentage Rate (APR)
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5.90%
for six months on purchase, cash advances, and balance transfer. Thereafter:
Platinum: as low as
9.90%
Platinum with ScoreCard Rewards: as low as
11.90%
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Grace Period for Purchase Repayment
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25 days (No grace period for cash advances or balance transfers)
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Method of Computing Balance for Repayment
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Average Daily Balance (including current transactions) |
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Annual Fee
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None |
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Minimum Finance Charge
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None |
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Balance Transfer Fee
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None |
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Late Payment Fee
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$20.00 |
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Over Limit Fee
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None |
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Other Charges
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Returned Check Fee: $25
Express Card Replacement: $15
Copies of Documentation: $10 |
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Foreign Transaction Fee
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1% of U.S. Dollar Transaction Amount |
All loans subject to credit approval. Actual rate received is based on your credit qualifications and Express Advantage status.
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