|
|
Saving Rates
Effective October 1, 2011 |
APR
Annual Percentage Rate
|
APY
Annual Percentage Yield |
| Savings (Share) Account |
0.20 % |
0.20 % |
| Checking (Share Draft) Account |
0.10 % |
0.10 % |
| Christmas Club Account |
0.10 % |
0.10 % |
| Rates are subject to change at any time |
Certificates of Deposit
Effective October 1, 2011 |
APR
Annual Percentage Rate
|
APY
Annual Percentage Yield |
| 6 months |
0.40 % |
0.40 % |
| 12 months |
0.60 % |
0.60 % |
| 18 months |
0.70 % |
0.70 % |
| 24 months |
0.80 % |
0.80 % |
| 36 months |
1.00 % |
1.00 % |
| Rates are subject to change at any time |
Loan Rates
Effective October 1, 2011 |
Term
|
Conditions |
Financed |
Rate |
| New Car, Truck, Motorcycles, boats |
72 months |
over $25,000 |
up to 100%
MSRP |
3.99% |
| 60 months |
under $25,000 |
| Used Car, Truck, Motorcycles, boats |
|
|
up to 100%
NADA retail value |
3.99% |
| 2011—2012 |
60 months |
|
| 2009—2010 |
48 months |
|
| 2007—2008 |
36 months |
|
| 2005—2006 |
24 months |
|
Refinanced Car
2005—2012 |
Remaining term |
|
| Signature Advance |
12 months |
$1—1,800 |
|
15.00% |
| 18 months |
$1,801—3,000 |
|
| 24 months |
$3,001—5,000 |
|
| 30 months |
$5,001—7,500 |
|
Co-maker Loan
Must sign
guarantor agreement |
same as above |
same as above |
|
Line of Credit
2 times monthly
pay up to
$10,000 |
$500—2,000 |
$125/month |
|
12.00% |
| $2,001—5,000 |
$225/month |
| $5,001—10,000 |
$275/month |
| Share Secured |
36 months |
|
up to total Share balance |
current share rate +2.00% |
Single Payment Advance
Must be paid in full at end of90 days |
90 days |
$1—1,000 |
|
10.00% |
| $1,001—7,500 |
15.00% |
| HELOC |
180 months |
5 year draw |
Financing up to 80% Loan to Value |
Rates as low as Prime minus 0.50%
Floor rate
3.00% |
Effective August 1, 2011 |
| Cosmetic Surgery Loan |
|
Up to $10,000 |
|
9.90% |
Fixed monthly payment of $250.00
Available only for Vanderbilt Department of Plastic and Cosmetic Surgery |
| Oral Health Services Loan |
|
Up to $10,000 |
|
9.90% |
| Fixed monthly payment of $50.00 |
Fee Schedule
Effective October 1, 2010 |
|
| Type |
Cost |
| Membership |
$0.25 |
Closing membership
(in first 90 days and still employed) |
$25.00 |
Dormant account
(no activity for 6 months) |
$5.00 |
Incorrect address
(home address only) |
$1.00 |
| Loan application |
$10.00 |
Single payment loan late
(after 10 days) |
$5.00 |
Loan late
(after 10 days) |
$5% of payment
(minumum $5.00) |
| Stop payment |
$35.00 |
| Excessive withdrawal |
$5.00 |
| Early withdrawal from Christmas Club |
$25.00 |
| Money order |
$1.00 |
| Cashiers check |
$2.00 |
| Copy of statement (per page) |
$1.00 |
| ACH returned items |
$25.00 |
| ACH transfer |
$5.00 |
| ACH non-sufficient |
$20.00 |
| Share Draft NSF |
$25.00 |
| Share Draft overdraft transfer |
$5.00 |
| Re-order ATM/debit card |
$5.00 |
| Re-order ATM/debit card PIN mailer |
$5.00 |
| Temporary lien |
$10.00 |
| Verification of deposit |
$10.00 |
| Returned deposit Items |
$15.00 |
| Redeposit of third party check |
$10.00 |
| Wire transfer in |
$10.00 |
| Wire transfer out |
$10.00 |
|
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