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RatesPlease be advised that UVCU strives to maintain its website with the most current rate information available, however UVCU makes no guarantees and assumes no liability for any errors contained herein or for failure to update information on the website. Please contact our office for the most current rate information.Deposit RatesCheckingRates effective December 21, 2009| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | Share Draft Plus | .05% | .05% | Any | Any | | | Dividends accrue daily on the balance maintained in the account. The Dividend rate is subject to change daily, without notice. There is no minimum balance required to earn dividends. A $500 average daily balance is required to avoid a monthly service charge. Monthly service charge is $5.00 if the average daily balance falls below $500.00.
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SavingsRates effective December 21, 2009| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | Share Account | .10% | .10% | $25.00 | $25.00 | | | | Youth Savings Accounts | 1.00% | 1.01% | $25.00 | $25.00 | | | | Club Accounts | .10% | .10% | | | | | Dividends accrue based on the daily balance maintained in the account. All dividend rates listed are subject to change daily without notice.
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CertificatesRates effective December 21, 2009| Account Type | Dividend | APY | Minimum Balance | | | 3 Month Certificate | .75% | .75% | $500 minimum balance | | | | 6 Month Certificate | 1.00% | 1.01% | $500 minimum balance | | | | 1 Year Certificate | 1.30% | 1.31% | $1000 minimum balance | | | | 2 Year Certificate | 1.80% | 1.82% | $1000 minimum balance | | | | 3 Year Certificate | 2.25% | 2.27% | $1000 minimum balance | | | | 4 Year Certificate | 2.50% | 2.53% | $1000 minimum balance | | | | 5 Year Certificate | 3.00% | 3.04% | $1000 minimum balance | | | The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Please refer to our Truth-In-Savings disclosure for details.
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IRAsRates effective December 21, 2009| Account Type | Dividend | APY | Minimum Balance to Earn APY | Minimum Opening Deposit | | | IRA Savings | 1.00% | 1.01% | $100.00 | $100.00 | | | | 1 Year IRA Certificate | 1.30% | 1.31% | $500 | | | | The IRA Savings minimum balance is required to earn dividends. The certificate minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
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Money Market AccountsRates effective December 21, 2009| Account Type | Dividend | APY | Comments | | | Money Market Account | .70% | .70% | Average Daily Balance $25,000+ | | | | | .55% | .55% | Average Daily Balance $10,000 - $24,999.99 | | | | | .40% | .40% | Average Daily Balance $5,000- $9,999.99 | | | | | .25% | .25% | Average Daily Balance $2,500 - $4,999.99 | | | Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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Loan RatesMortgagesRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Points | Term | | | 30 Year Fixed Rate Mortgage | Please Call | Please Call | 1 | 360 Months | | | | Variable Rate 5/1 ARM Mortgage | 6.00% | 6.11% | 1 | Up to 360 Months | | | | Land Loans - 5/1 ARM | 10.75% | 10.76% | 1 | Up to120 Months | | | | Construction Loans | 6.00% | 6.11% | 1 | 12 Months | | | | Mobile Home Loans - 5/1 ARM | 8.50% | 8.71% | 1 | Up to 240 Months | | | Rates listed are base rates, assuming approved credit, and are subject to change based on individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant's credit score, credit history and other underwriting factors. Other rates and terms may be available. Please call (603) 448-4424 for more detailed information.
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Home Equity LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Points | Term | Maximum LTV | | | Home Equity Loan | 5.99% | 6.19% | 1 | 60 Months Fixed Rate | 85% | | | | | 7.99% | 8.12% | 1 | 120 Months Fixed Rate | 85% | | | Rates listed are base rates, assuming approved credit, and are subject to change based on individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant's credit score, credit history and other underwriting factors.
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New Auto LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Percent Financed | Term | Model Year(s) | | | New Auto Loans | 3.75% | 3.99% | Up to 100% of MSRP | Up to 48 Months | 2010/2009 | | | | | 4.99% | 5.19% | Up to 100% of MSRP | Up to 60 Months | 2010/2009 | | | | | 6.99% | 7.16% | Up to 100% of MSRP | Up to 72 Months | 2010/2009 | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Used Auto LoansRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Percent Financed | Term | Model Year(s) | | | Used Auto Loans | 6.49% | 6.69% | Up to 100% N.A.D.A. Retail | Up to 60 Months | 2009/2008 | | | | | 6.49% | 6.69% | Up to 100% N.A.D.A. Retail | Up to 48 Months | 2007 & Older | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Motorhomes, Campers and BoatsRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Term | Model Years | | | New Camper and Boat Loans | 6.49% | 6.64% | Up to 60 Months | 2010 & 2009 | | | | Used Camper and Boat Loans | 9.99% | 10.20% | Up to 60 Months | | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Motorcycles, Snowmobiles & ATVsRates effective December 21, 2009| Account Type | Rate (as low as) | APR | Term | Model Year(s) | | | New Motorcycle,Snowmobile,ATV | 7.99% | 8.20% | Up to 60 Months | 2010/2009 | | | | Used Motorcycle,Snowmobile,ATV | 9.99% | 10.20% | Up to 60 Months | | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee and a $13.86 fee for Vendor Single Interest (VSI) Insurance. VSI insurance is required on all vehicle loans.
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Consumer Loans (unsecured)Rates effective August 24, 2009| Account Type | Rate (as low as) | APR | | | Unsecured (Signature) Loans | 11.00% | 11.935% | | | | Overdraft Protection Loans | 17.00% | 17.00% | | | Rates listed are base rates, assuming approved credit, and are subject to change based upon individual creditworthiness and UVCU underwriting guidelines. The actual interest rate offered may be higher based upon applicant credit history and other underwriting factors.
Annual Percentage Rate (APR) is based on a loan amount of $10,000.00 plus a $50.00 processing fee.
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Share Secured Loan/LineRates effective August 24, 2009| Account Type | APR | | | Share Secured Loan | Share or CD Rate + 3.00% | | |
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© 2010 Upper Valley Credit Union. All rights reserved.
199 Heater Road, Lebanon, NH 03766
Toll Free (877) 803-9838 Phone (603) 448-4424 Fax (603) 448-6735 |
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