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Fee Schedule
All Loan Rates
Disclosed As An Annual Percentage Rate (APR)
All Loan Rates
Effective Date
Tuesday, October 7, 2008
.
Rates subject to change. Refinances valid only on loans originally financed
through other institution or sources.
| Vehicle
Loan Rates - Conventional Financing |
New
Automobiles (up to 100% of MSRP)
|
| Best
Rates Quoted |
| Your rate
may vary based on your credit profile and payment election. |
|
| 2008
- 2007 model years |
|
| Term |
APR
As Low As |
| Up to 72 months ($15,000 minimum loan)
|
6.50% |
| Up to 63 months
|
5.75% |
| Up to 48 months
|
5.75% |
|
Used
Automobiles (up to 100% of NADA Retail)
Effective August 22, 2006, NADA trade-in value will be used for any vehicle with over 100,000 miles.
|
| Best
Rates Quoted |
| Your rate
may vary based on your credit profile and payment election. |
|
| 2008
- 2003 model years |
|
| Term |
APR
As Low As |
| Up to 72 months ($15,000 minimum loan)
|
6.50% |
| Up to 63 months
|
5.75% |
| Up to 48 months
|
5.75% |
|
| 2002
and older model years* |
|
| Term |
APR
As Low As |
| Up to 63 months
|
5.75% |
| Up to 48 months
|
5.75% |
|
| *2000 or older model year automobiles are 0.50% higher than the posted rate. 48-month maximum term.
|
New
and Used Boats and RVs (up to 90% of MSRP or NADA Retail)
|
| Best
Rates Quoted |
| Your rate
may vary based on your credit profile and payment election. |
|
| 2008
and older model years |
|
| Term |
APR
As Low As |
| Up to 180 months ($35,000 minimum loan)
|
7.49% |
| Up to 144 months ($10,000 minimum loan)
|
6.99% |
| Up to 72 months
|
6.99% |
|
New
Motorcycles (up to 90% of Sticker Price)
|
| Best
Rates Quoted |
| Your rate
may vary based on your credit profile and payment election. |
|
| 2008
- 2007 model years |
|
| Term |
APR
As Low As |
|
Up to 63 months
|
5.75%
|
|
| Student Loans
|
|
Stafford Loan
|
6.80%
|
This rate
is set by the government and the same for all lenders. A Stafford loan can only be received by completing the FAFSA, a government application. Please see Student Loans for detailed information.
|
|
|
Parent PLUS Loan
|
8.50%
|
This rate
is set by the government and the same for all lenders. A Parent PLUS loan is a federal loan and
can only be applied for by completing the government application. Please see Student Loans for detailed information.
|
Graduate PLUS Loan
|
8.50%
|
This rate
is set by the government and the same for all lenders. A Graduate PLUS loan is a federal loan and
can only be applied for by completing the government application. Please see Student Loans for detailed information.
|
|
|
| Other
Types of Loans
|
|
Tuition Loan
|
9.90%
|
Pay for
tuition expenses for all grades. Repayment equals tuition period, with a max.
term of ten (10) months. Tuition loan is not recommended for college expenses. Please see Student Loans
|
|
Certificate-Secured Loan
|
3.50%
|
| Rate
calculated by Prime minus 1.50%. This loan is secured by a CD. Variable
loan-rate can change quarterly.
|
|
Home
Equity Line-Of-Credit
(Valid on Missouri and Illinois property only.) |
|
|
|
Plan II
|
5.75%*
|
| Rate can
change quarterly.
|
| Caps: 1%
per quarter.
|
| Index:
Wall Street Prime + 0.75%*.
|
| Floor:
1.50%
|
|
* Change
in terms due to a temporary reduction in the margin, effectively reducing the
variable interest rate as of 10/1/2008.
Valid on Missouri and Illinois property only.
Please read our Home Equity Line of Credit Disclosure Part 1 Disclosure Part 2 for more details.
|
|
Home Improvement Loan
|
10.50%
|
|
|
60-month maximum term.
$10,000 maximum loan. Valid on Missouri and Illinois property only.
|
| Closed
End Second Mortgage (Valid on MO & IL property only.)
|
|
|
|
Overdraft Protection/Signature
|
12.90%
|
|
|
|
| Rate
calculated by Prime minus 1.50%. This loan is secured 100% by a Vantage Credit
Union Savings account. This rate can adjust quarterly. |
|
| MasterCard
Platinum Rates |
|
MasterCard Platinum
|
12.90%
|
(no autopay)
|
| MasterCard
Platinum
|
10.90%
|
(w/
autopay)
|
|
| VISA
Credit Card Rates |
|
VISA Classic
|
14.90%
|
(no autopay)
|
| VISA
Classic
|
12.90%
|
(w/
autopay)
|
|
VISA Gold
|
11.90%
|
(no autopay)
|
| VISA Gold
|
9.90%
|
(w/
autopay)
|
|
All Deposit Rates Disclosed As An Annual
Percentage Yield (APY)
All
Deposit Rates Effective
Tuesday, November 4, 2008.
Any minimum balance requirements to earn the Annual Percentage
Yields stated are
disclosed on the Financial Services-Savings Account page.
All members must maintain a General Share Account of $5.00.
|
|
|
$0 - 499.99
|
0.50%
|
| $500 -
1,999.99
|
0.50%
|
| $2,000 -
4,999.99
|
0.50%
|
| $5,000 -
9,999.99
|
0.50%
|
| $10,000 -
19,999.99
|
0.50%
|
|
$20,000 - 49,999.99
|
0.50%
|
| $50,000+
|
0.50%
|
|
|
Holiday Club Savings
|
0.25%
|
| VISA Secure
Savings
|
0.50%
|
|
| Premier
Money Market Account ($10,000 minimum)
|
|
|
$0 - 9,999.99
|
0.50%
|
| $10,000 -
19,999.99
|
1.25%
|
|
$20,000 - 49,999.99
|
1.50%
|
| $50,000+
|
2.00%
|
|
|
SmartSaver CD ($250 minimum)
|
|
|
|
|
Starter CD ($500 minimum)
|
|
|
|
| Regular
Certificates of Deposit ($2,000 minimum) |
|
|
| 6-month
|
2.50%
|
|
12-month
|
2.75%
|
| 18-month
|
2.90%
|
|
24-month
|
3.10%
|
| 36-month
|
3.40%
|
|
48-month
|
3.75%
|
| 60-month
|
4.00%
|
|
| Jumbo Certificates of Deposit ($50,000 minimum) |
| 6-month
|
2.75%
|
|
12-month
|
3.25%
|
| 18-month
|
3.40%
|
|
24-month
|
3.60%
|
| 36-month
|
3.90%
|
|
48-month
|
4.25%
|
| 60-month
|
4.50%
|
|
| IRAs
Cash Accounts
|
|
$0 - 499.99
|
0.50%
|
| $500 -
1,999.99
|
0.50%
|
| $2,000 -
4,999.99
|
0.50%
|
| $5,000 -
9,999.99
|
0.50%
|
| $10,000 -
19,999.99
|
0.50%
|
|
$20,000 - 49,999.99
|
0.50%
|
| $50,000+
|
0.50%
|
|
| Traditional
IRA Certificates of Deposit ($2,000 minimum)
|
|
12-month
|
2.75%
|
| 18-month
|
2.90%
|
|
24-month
|
3.10%
|
| 36-month
|
3.40%
|
|
48-month
|
3.75%
|
| 60-month
|
4.00%
|
|
|
Traditional IRA Certificates of Deposit ($500 minimum)
|
|
|
|
Jumbo Traditional IRA Certificates of Deposit ($50,000 minimum)
|
|
12-month
|
3.25%
|
|
18-month
|
3.40%
|
|
24-month
|
3.60%
|
|
36-month
|
3.90%
|
|
48-month
|
4.25%
|
|
60-month
|
4.50%
|
|
| Roth
IRA Certificates of Deposit ($2,000 minimum)
|
|
12-month
|
2.75%
|
| 18-month
|
2.90%
|
|
24-month
|
3.10%
|
| 36-month
|
3.40%
|
|
48-month
|
3.75%
|
| 60-month
|
4.00%
|
|
| Roth IRA Certificates of Deposit ($500 minimum)
|
|
|
|
Jumbo Roth IRA Certificates of Deposit ($50,000 minimum)
|
|
12-month
|
3.25%
|
|
18-month
|
3.40%
|
|
24-month
|
3.60%
|
|
36-month
|
3.90%
|
|
48-month
|
4.25%
|
|
60-month
|
4.50%
|
|
| Deferred
Compensation Plan (DCP)
|
|
Option 1 (Fixed)
|
4.00%
|
| Option 2
(Variable)
|
3.00%
|
|
| For CDs, a
penalty is imposed for early withdrawal of funds. Fees can reduce the earnings
on an account. Please ask a Vantage Credit Union Representative about the
requirements, fees and transaction limitations on each savings option.
|
|
|
