Rates - Accounts & Loans

 

 

 


  

Effective 03/01/2017 & subjective to change without notice.

  


 

 

Loan Rates

 

REAL ESTATE LOANS (for Primary Residences Only)

Loan Type

Maximum Amount

Terms

APR*
As Low As:

1st Mortgage

80% of purchase price or appraisal (whichever is less)

Up to 25 years

5.25% Adj.

1st Mortgage

80% of purchase price or appraisal (whichever is less)

30 Yr Term. 5 Yr ARM

4.75% Adj.

HELOC - 1st Position

80% of appraisal value less 1st mortgage balance

Up to 6 Yrs. 'Draw' period
Max 14 yrs Repayment

3.75% Adj.

HELOC - 2nd Postion

80% of appraisal value less 1st mortgage balance

Up to 6 Yrs. 'Draw' period
Maximum 14 yrs Repayment

3.75% Adj.

If BOND CFCU holds your 1st Mortgage, you’re eligible for our HELOC (Home Equity Line) 1st Position rate.

 

REAL ESTATE LOANS - UNIMPROVED PROPERTY (for Primary Residences Only)

Loan Type

Maximum Amount

Terms

APR*
As Low As:

1st mortgage only

70% of purchase price or appraisal (whichever is less)
Max: $175,000.

Up to 5 years

13.50% Adj.

The applicant must intend to construct a primary residence on the lot.

 

CONSUMER LOANS

Loan Type

Maximum Amount

Terms

APR*
As Low As:

New Vehicles

Up to 100% of list price

Up to 84 months

1.99% Fxd.

Used Vehicles

Up to NADA loan value

According To Vehicle Value

2.99% Fxd.

New Boats & RV's

Up to 100% of list price, up to $35,000

Up to 72 months

7.50% Fxd.

Used Boats & RV's

Up to 100% of list price, up to $35,000

Up to 48 months

9.50% Fxd.

New Motorcycle Loans

60% of list price

Up to 36 months

8.50% Fxd.

Personal Loan

Up to $5,000

Up to 36 months

13.00% Fxd.

Share Secured

Amount on Deposit at Credit Union

Up to 10 years

5.00% Fxd.

Certificate Secured

Share Certificate (CD) Amount

Maturity of Share Certificate (CD)

SC Rate +3% Fxd.

Classic VISA

Up to $10,000

-

12.00% Fxd.

Gold VISA

Up to $20,000

-

9.99% Fxd.

 

 

 

Account Rates

SHARE SAVINGS & IRA SAVINGS ACCOUNTS - DIVIDENDS

Account Type

Annual Percentage Rate (APR)

Annual Percentage Yield (APY)

Required Balance

Regular Savings

0.01%

0.01%

$50 Minimum

Youth Savings

0.01%

0.01%

$25 Minimum

Vacation / Holiday

0.01%

0.01%

No Minimum

Escrow

0.01%

0.01%

No Minimum

IRA

0.01%

0.01%

$25 Minimum

Share/Savings Account dividend (interest) rates reflect the immediately-preceding quarter. The annual percentage rate and annual percentage yield may change each dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Dividends compound/credit to your account once per quarter and are calculated using the ADB (Average Daily Balance) method, which applies a periodic rate to the account’s ADB for the prior quarter. ADB is calculated by adding up each daily account balances and dividing by the number of days in the quarter.

Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Savings & CD Accounts are also insured up to an additional $250000 through the same fund. For more information, please visit NCUA.gov.

 

SHARE DRAFT / CHECKING - DIVIDENDS

Annual Percentage Rate (APR)

Annual Percentage Yield

Required Balance

0.00%

0.00%

$0 - $499

0.00%

0.00%

$500 - $4,999

0.00%

0.00%

$5,000 - $14,999

0.00%

0.00%

$15,000 - $24,999

0.01%

0.01%

$25,000 - $49,999

0.05%

0.05%

$50,000 Plus

Share/Savings Account dividend (interest) rates reflect the immediately-preceding quarter. The annual percentage rate and annual percentage yield may change each dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Dividends compound/credit to your account once per quarter and are calculated using the ADB (Average Daily Balance) method, which applies a periodic rate to the account’s ADB for the prior quarter. ADB is calculated by adding up each daily account balances and dividing by the number of days in the quarter.

Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Savings & CD Accounts are also insured up to an additional $250000 through the same fund. For more information, please visit NCUA.gov.

 

 

SHARE CERTIFICATES (CDs) - DIVIDENDS & TERMS

Term

Annual Percentage Rate (APR)

Annual Percentage Yield

06 months

Not available at this time

N/A

12 months

Not available at this time

N/A

24 months

Not available at this time

N/A

36 months

Not available at this time

N/A

48 months

Not available at this time

N/A

60 months

Not available at this time

N/A

Minimum deposit $500.00. Share certificate accounts (CDs) are non-negotiable and non-transferable. BOND Community FCU may withdraw this offer at any time.

Any share certificate (CD) with the credit union is an open-rate certificate; early withdrawal penalties are:
     - Maturity of 12 months or less: 90 days interest
     - Maturity greater than 12 months: 180 days interest
     - Other penalties may apply as well

 

Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Savings & CD Accounts are also insured up to an additional $250000 through the same fund. For more information, please visit NCUA.gov.

 

 


 

*Rates are accurate to the best of our knowledge; please contact us for current rate verification. APR = Annual Percentage Rate. All loans & credit cards are subject to approval. Other restrictions may apply. All adjustable mortgage and home equity loans may adjust on an annual basis. Adjustable rate loans are limited to a maximum 2% yearly adjustment cap and a 6% lifetime adjustment cap.

 

For more info on loans and adjustable rates, contact our Loan Manager or call 1-866-525-0619, ext 217.
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