| Consumer Loans |
| Loan Type |
Approx. Term
(months) |
Annual Percentage Rate (APR) |
Monthly Payment per $1000 Borrowed |
| Kwik Cash |
LOC |
12.00% |
$50.00 |
| |
|
|
|
|
Automobile** (Purchases & pay off other lenders. $5000.00 min.)
|
72 |
3.50% |
$15.42 |
| |
60 |
2.85% |
$17.90 |
| |
48 |
2.60% |
$21.96 |
| |
36 |
2.40% |
$28.82 |
| |
24 |
2.40% |
$42.72 |
| ** Contact a VCCU Loan Officer for more details |
| Automobile |
60 |
3.85% |
$18.35 |
| |
48
|
3.60%
|
$22.40 |
| |
36 |
3.40% |
$29.26 |
| |
24 |
3.40% |
$43.16 |
| |
|
|
|
| Motorcycles |
72 |
5.10% |
$16.51 |
| |
60 |
3.85% |
$18.35 |
| |
48 |
3.60% |
$22.40 |
| |
36 |
3.35% |
$29.24 |
| |
24 |
3.10% |
$43.03 |
| |
| Motorhomes, Campers & Boats*** |
72 |
5.60% |
$16.38 |
| |
60 |
4.05% |
$18.44 |
| |
48 |
3.80% |
$22.49 |
| |
36 |
3.55% |
$29.32 |
| |
24 |
3.30% |
$43.11 |
| *** Rates may vary based on amount financed. |
| ATV, Snowmobile, Jet Ski, Other Collateral |
72 |
6.10% |
$16.62 |
| |
60 |
5.85% |
$19.26 |
| |
48 |
5.60% |
$23.30 |
| |
36 |
5.10% |
$30.02 |
| |
24 |
4.35% |
$43.58 |
| |
| Signature Loan <$1000.00 |
24 |
11.80% |
$46.98 |
| |
18 |
11.25% |
$60.63 |
| |
12 |
11.05% |
$88.40 |
| |
Signature Loan
$1001.00 - $3500.00 |
36 |
12.05% |
$33.24 |
| |
24 |
11.55% |
$46.86 |
| |
12 |
11.05% |
$88.40 |
| |
| Overdraft Protection Kwik Cash |
LOC |
25.00% |
$200 |
| |
| Single Payment Note |
180 days |
13.15% |
N/A |
| |
90 days |
12.65% |
N/A |
| |
60 days |
12.15% |
N/A |
| |
| Shared Secured |
48 |
3.10% |
$22.18 |
| |
36 |
2.85% |
$29.02 |
| |
24 |
2.60% |
$42.80 |
| |
| Mortgage Loans |
| Loan Type |
Amortization |
Annual Percentage Rate (APR) |
Monthly Payment per $1000 Borrowed |
| First Mortgage – Rates As Low As: |
| 3 Year Demand |
30 years |
3.85% |
$4.69 |
| 5 Year Demand |
30 years |
4.00% |
$4.77 |
| 7.5 Year Demand |
30 years |
4.45% |
$5.04 |
| 9 Year Demand |
30 years |
4.90% |
$5.31 |
| 10 Year FIXED |
10 years |
4.60% |
$10.41 |
Second Mortgage – Rates As Low As:
NO CLOSING COSTS (Minimum loan amount $10,000) |
| 5 Year Demand |
30 years |
4.95% |
$5.34 |
| |
|
| |
| Share Type |
Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| Open Shares (Savings) |
$0 - $99.99 |
0.00% |
0.00% |
| |
$100.00 - $999.99 |
0.25% |
0.25% |
| |
$1,000.00 - $2,499.99 |
0.25% |
0.25% |
| |
$2,500 + |
0.25% |
0.25% |
| |
| Classic Checking |
<$300 |
0.00% |
0.00% |
| |
$300.00 - $999.99 |
0.10% |
0.10% |
| |
$1,000.00 - $2,499.99 |
0.15% |
0.15% |
| |
$2,500 + |
0.20% |
0.20% |
| |
| Money Market & IRA Money Market |
<$2,499.99 |
.15% |
.15% |
| |
$2,500 - $4,999.99 |
.20% |
.20% |
| |
$5,000.00 - $9,999.99 |
.25% |
.25% |
| |
$10,000.00 - $24,999.99 |
.35% |
.35% |
| |
$25,000.00 + |
.40% |
.40% |
| |
| High Yield Shares |
$5,000.00 + |
.30% |
.30% |
| Escrow Account |
|
.25% |
.25% |
| Christmas Club |
|
.25% |
.25% |
| IRA Passbook |
|
.35% |
.35% |
| |
| Share Certificates |
| Certificate Term (months) |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| 12 Minors |
$500.00 |
.45% |
.45% |
| (Minors share certificates will transfer to a open share account on the first maturity date after member turns 18) |
| 12 |
$1,000.00 |
.45% |
.45% |
| 24 |
$1,000.00 |
.80% |
.80% |
| 36 |
$1,000.00 |
1.00% |
1.00% |
| 3 |
$5,000.00 |
.35% |
.35% |
| 6 |
$5,000.00 |
.45% |
.45% |
| 12 |
$5,000.00 |
.65% |
.65% |
| 24 |
$5,000.00 |
1.00% |
1.01% |
| 36 |
$5,000.00 |
1.25% |
1.26% |
| 48 |
$5,000.00 |
1.50% |
1.51% |
| 60 |
$5,000.00 |
1.70% |
1.71% |
| 12 |
$25,000.00 |
.70% |
.70% |
| |
| IRA Certificates |
| Certificate Term (months) |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| 12 |
$1,000.00 |
.45% |
.45% |
| 24 |
$1,000.00 |
.80% |
.80% |
| 36 |
$1,000.00 |
1.00% |
1.00% |
| 12 |
$5,000.00 |
.65% |
.65% |
| 24 |
$5,000.00 |
1.00% |
1.00% |
| 36 |
$5,000.00 |
1.25% |
1.26% |
| 48 |
$5,000.00 |
1.50% |
1.51% |
| 60 |
$5,000.00 |
1.70% |
1.71% |
| 12 |
$25,000.00 |
.70% |
.70% |
|
| Nationwide Mortgage Licensing System & Registry (NMLS) Consumer Access |
In order to provide homebuyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Mortgage Licensing System & Registry (NMLS) hosts a website called NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.
Found online at www.NMLSConsumerAccess.org, contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. NMLS Consumer Access is provided without charge to the public.
 |
| Valley Communities Credit Union (431643) |
| Susan Marie Besaw (440575) |
Michael Joseph Fox (440598) |
Lisa Crystal Slowinski (440472) |
| Yvonne Marie Bohman (440543) |
Jodi Sue Griepentrog (441764) |
Cherryl Ann Stewart (449792) |
| Bradley Adam Buettner (440532) |
William Charles Jarvis (440708) |
|
| Angela Marie Dinkins (440565) |
Mary Beth Rohloff (440744) |
|
|
