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Thursday, November 20, 2008 |
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(Disclosures under listing) |
| NEW VEHICLES* |   |
| Year |
|
Available APRs |
| 36 months |
|
4.75% - 14.25% |
| 48 months |
|
4.75% - 14.25% |
| 60 months |
|
4.75% - 14.25% |
| 72 months |
|
4.75% - 14.25% |
| USED VEHICLES# | |
| Year |
|
Maximum Term | APRs |
| 08-07 |
|
60 months |
5.00% - 14.50% |
| 06-05 |
|
48 months |
5.00% - 14.50% |
| 04-02 |
|
36 months |
5.00% - 14.50% |
| 01-98 |
|
24 months |
5.00% - 14.50% |
| UNSECURED | |
|
APR |
| Signature up to
60 months |
|
10.00%-18.00% |
| MasterCard |
|
13.90% |
| MasterCard Gold |
|
12.50% |
| Line of Credit |
|
9.00% - 10.00% |
SECURED
|
| Savings |
|
Div. + 2.50% |
| Certficate |
|
Div. + 2.50% |
REAL ESTATE
|
| First Mortgage |
|
Call for Details |
NEW R.V. or WATERCRAFT**
|
| 48 months |
|
5.75% - 12.25% |
| 60 months |
|
6.00% - 12.50% |
| 72 months > $40,000 |
|
6.25% - 12.75% |
| USED R.V. or WATERCRAFT | |
|
|
Maximum Term | APRs |
| 08-07 |
|
72 months |
6.50%-13.00% |
| 06-05 |
|
60 months |
6.50%-13.00% |
| 04 |
|
48 months |
7.00%-13.50% |
| 03-02 |
|
36 months |
7.50%-14.00% |
| 01-98 |
|
24 months | 8.00%-14.50% |
^ All rates shown are annual percentage rates and reflect payroll deduction (0.25%) and checking account (0.25%) relationship credits where eligible.
* 100% financing (up to retail value) including tax, title and license.
** 84 months financing on New RV or Watercraft>$40,000
# Financing amount based on NADA Trade-In.
Certificates of Deposit - Thursday, November 20, 2008
| Min. Balance | 6 Months* | 12 Months* | 24 Months* |
36 Months* |
| $1,000 |
2.5% |
2.6% |
2.7% |
2.8% |
| $25,000 |
2.6% |
2.7% |
2.8% |
2.9% |
| $50,000 |
2.7% |
2.8% |
2.9% |
3.0% |
| $75,000** |
Neg |
Neg |
Neg |
Neg |
*All rates shown as Annual Percentage Yield. Early withdrawl penalty.
** Jumbo CD available with a minimum deposit of $75,000.00.
Dividend Rates*
| SAVINGS ACCOUNT |
| $500-$24,999.99 | 1.00% |
| $25,000 and up | 1.50% |
| Kid's Club | 2.00% |
| Christmas Club | 2.00% |
| CHECKING ACCOUNT |
| $300-$999.99 | 0.00% |
| $1000 and up | 0.00% |
| PIONEER CHECKING |
| $5,000 and up | 0.25% |
| IRA ACCOUNT |
| $0.00-$4,999.99 | 2.00% |
| $5,000-$24,999.99 | 2.00% |
| $25,000-$74,999.99 | 2.25% |
| $75,000 and up | 2.25% |
* Annual Percentage Yield
Savings Account Fees
| Savings Withdrawal Fee: |
$ 1.00 per withdrawal after 2 per calendar month |
Checking Account Fees
| Overdraft Fee: | $ 2.00 per item |
| NSF Fee: | $25.00 per item |
| Returned Item Fee: | $ 5.00 per item |
| Stop Payment Fee: | $25.00 per request |
| Check Printing Fee: | $ Prices Vary Depending on Style |
| Copy of Check Fee: | $ 2.00 per item |
| Business Account Fee: | $ 10.00 per month |
| Courtesy Pay Fee: | $ 25.00 per item |
Other Service Fees
(applicable to all accounts)
| Account Reconciliation Fee: | $12.00 per hour |
| Statement Copy Fee: | $ 2.00 per copy |
| ATM/Visa Check Card Replacement Fee: | $ 5.00 per incident |
| Items Sent for Collection Fee: | $ 10.00 per item |
| Wire Transfer (Outgoing Fee): | $15.00 per transfer (domestic) |
| Wire Transfer (Outgoing Fee): | $25.00 per transfer (foreign) |
| Travelers Check Fee | $ 1.00 per $100 |
| Account Closure Fee | $ 10.00 if closed within 90 days of opening |
| Change of Address Fee: | $ 1.00 per change |
| Excessive Inquiry Fee: | $ 1.00 per request |
| Gift Check Fee: | $ 2.00 per check |
Truth-In-Savings Account Disclosures
Except as specifically described, the following disclosures apply to all of the accounts.
All accounts described in this Rate and Fee Schedule are share accounts.
1. Rate Information.
The annual Percentage Yield is a
percentage rate that reflects the total amount of dividends to
be paid on an account based on the dividend rate and frequency
of compounding for annual period. For all accounts, the Dividend
Rate and Annual Percentage Yield may change monthly as
determined by the Credit Union's Board of Directors. The Dividend
Rates and Annual Percentage Yields are the prospective rates and
yields that the Credit Union anticipates paying for the applicable
dividend period. The Savings account is a Tiered Rate account.
If your account balance is $24,999.99 or below, the first Dividend
Rate and Annual Percentage Yield listed for this account in the Rate
Schedule will apply. If your account balance is $25,000.00 or greater, the second Dividend Rate and Annual Percentage Yield
listed for this account will apply. The Checking account are Tiered Rate
account. If your account balance is $999.99 or below, the first
Dividend Rate and Annual Percentage Yield listed for this account
in the Rate Schedule will apply. If your account balance is $1000.00
or greater the second Dividend and Annual Percentage Yield listed for this
account will apply. The IRA accounts are Tiered Rate accounts. If your
account balance is $4999.99 or below, the first Dividend and Annual
Percentage Yield listed for this account will apply. If your account
balance is from $5,000.00 to $24,999.99, the second Dividend and
Annual Percentage Yield listed for this account will apply. If your
account balance is from $25,000.00 to $74.999.99 the third
Dividend and Annual Percentage Yield listed for this account will
apply. If your account balance is $75,000.00 or greater, the
fourth Dividend Rate and Annual Percentage Yield listed for this
account will apply. For all tiered rate accounts, once a particular
balance range is met, the Dividend Rate and Annual Percentage Yield
for that balance range will apply.
2. Nature of Dividends.
Dividends are paid from current income and
available earnings after required transfers to reserves at the end of
the dividend period.
3. Dividend Compounding and Crediting.
The compounding and
crediting of dividends and dividend period applicable to each account
are set forth in the Rate Schedule. The Dividend Period is the period
of time at the end of which an account earns dividend credit. The
Dividend Period begins on the first calendar day of the period and ends
on the last calendar day of the period.
4. Accrual of Dividends.
For all accounts, dividends will begin
to accrue on non-cash deposits (e.g. checks) on the day the
Credit Union receives provisional credit. For all accounts,
if you close your account before accrues dividends are
credited, accrued dividends will not be paid.
5. Balance Information.
The minimum balance requirements
applicable to each account are set forth in the Rate Schedule.
For Savings, Checking and Pioneer Checking Accounts, there
is a minimum daily balance required to obtain the Annual
Percentage Yield for the dividend period. If the minimum
daily balance is not met, you will not earn the stated
Annual Percentage Yield. For all accounts using a Daily Balance
method, dividends are calculated by applying a daily periodic
rate to the principal in the account each day.
6. Account Limitations.
For Savings accounts, no more than
six (6) pre-authorized, automatic, or telephone transfers may be
made from these accounts to another account of yours or to a
third party in any month, and no more than three (3) of these
six (6) transfers may be made by check, draft, or debit card to
a third party. If you exceed these limitations, you account may
be subject to a fee or be closed. For a Christmas Club account,
the entire balance will be paid by you to check or transferred to
another account on or after November 1 and the account will
remain open. You may be charged a withdrawal fee of $10.00
for each withdrawal from the account. You may make transfers
or withdrawals in the first seven (7) days after the account is
opened without restriction. For Savings accounts, two (2)
withdrawals per calendar month allowed, after which a fee will
be imposed . For Kid's Club accounts, one (1) withdrawal
allowed per calendar month, after which a fee will be imposed.
For Kid's Club accounts, you will be offered Kid's Club promotional
items as a bonus for opening account and increasing balance
in account. For Traditional IRA, Roth IRA, Educational IRA,
Checking and Pioneer Checking accounts, no account
limitations apply.
7. Fees for Overdrawing Accounts.
Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.
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| 8818 Garland Road Dallas, TX 75218 |  |  |
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