Rates
Rates are accurate as of January 1, 2015. All rates are subject to change without notice.
| Share/Savings |
| Share Type 01 |
Min. Opening
Deposit
|
Min. Balance to
Earn the Stated
APY
|
Rate APY**
|
| $250 - $4999.99 |
$5.00 |
$250.00 |
0.15% 0.15% |
| $5.000 and over |
|
|
0.15% 0.15% |
| Share Type 04 |
| $250 - $4999.99 |
|
$250.00 |
0.15% 0.15% |
| $5000 and over |
|
|
0.15% 0.15% |
| Little, Junior & Teen Saver Accounts |
| Balances $50 and over |
|
$50.00 |
0.15% 0.15% |
| Christmas Club Accounts |
| Balances $250 and over |
$250.00 |
0.15% 0.15% |
| Vacation Club Accounts |
| Balances $250 and over |
$250.00 |
0.15% 0.15% |
| Accumulative Individual Retirement Accounts |
| Balances $100 and over |
$100.00 |
0.25% 0.25% |
| Money Market Accounts |
| Balances $2,500 to $24,999.99 |
$2,500.00 |
0.15% 0.15% |
| Balances $25,000 to $99,999.99 |
|
0.15% 0.15% |
| Balances $100,000.00 & over |
|
0.25% 0.25% |
Money Market rate is calculated monthly and may change after account opening.
Fees could reduce earnings.
| Share Draft Accounts |
| All Balances |
|
0.00% 0.00% |
| Business Checking Accounts |
| $5000-$24,999.99 |
$5,000.00 |
0.15% 0.15% |
| $25,000 - $99,999.99 |
|
0.15% 0.15% |
| $100,000 or greater |
|
0.15% 0.15% |
Business Checking rate is calculated monthly and may change after account opening.
Fees could reduce earnings.
| Share Certificates |
| Minimum deposit $500.00 |
Rate APY** |
| 6-Month |
0.15% 0.15% |
| 12-Month |
0.25% 0.25% |
| 18-Month |
0.25% 0.25% |
| 24-Month |
0.50% 0.50% |
| 30-Month |
0.50% 0.50% |
| 36-Month |
0.90% 0.90% |
| 60-Month |
1.29% 1.30% |
| Minimum deposit $2,500.00 |
| 12-Month |
0.25% 0.25% |
| 15-Month |
0.25% 0.25% |
| 18-Month |
0.25% 0.25% |
| 24-Month |
0.50% 0.50% |
| 36-Month |
0.90% 0.90% |
Penalty for early withdrawal of share certificates:
15 months or less - 90 days dividends
18 months or more - 180 days dividends
Fees for early withdrawal may reduce earnings.
| Super Saver Certificate |
| 12 Months |
Rate APY** |
| Minimum deposit $1000 |
0.15% 0.15% |
Allows for deposits of $500 or more during term.
One withdrawal per year with no penalty as long as balance remains above $1000.
Additional withdrawals have 90 days dividend penalty. Penalty may reduce earnings.
| Adjustable Rate Share Certificate |
Adjustable Certificates are no longer offered. Rates are posted for those members
who already have an Adjustable Certificate. Options will be offered at renewal date. |
| Minimum deposit $2500.00 |
| Rate adjusts quarterly and may change after opening |
Rate APY** |
| 18-Month |
0.22% 0.22% |
| 36-Month |
0.47% 0.47% |
| 60-Month |
0.72% 0.72% |
Penalty for early withdrawal is 180 days dividends. Penalty may reduce earnings.
| IRA Certificates |
|
| Traditional, Roth & Coverdell |
|
| Minimum Deposit $500 |
Rate APY** |
| 18-Month |
0.25% 0.25% |
| 36-Month |
0.90% 0.90% |
| 60-Month |
1.29% 1.30% |
| Adjustable IRA |
|
| Minimum balance $500.00 - Adjusts Quarterly |
|
We no longer offer Adjustable IRA Certificates
Rate is posted for those who already have an
Adjustable Certificate. Options will be available
at renewal. |
|
| 60-Month |
1.04% 1.05% |
Early withdrawal penalty is equal to 180 days dividends for all IRAs. Penalties may reduce earnings.
Account may be subject to an IRS penalty for early withdrawal.
| VISA Platinum Credit Card |
| Rate based on credit worthiness |
APR* |
| as low as |
9.90% |
| Unsecured Loans |
| Signature Loans |
| Rate based on credit worthiness |
APR* |
| Up to 48 months - as low as |
9.90% |
| Checking Plus Line of Credit |
| Rate based on credit worthiness |
APR* |
| Rate adjusts January 1 & July 1 - as low as |
9.00% |
| Certificate Secured |
3.00% APR* above the rate on the deposit instrument.
Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral. |
| Share Secured |
| |
APR* |
| Up to 120 months |
3.50% |
| Mortgages |
| Rate based on credit worthiness |
APR* |
| |
as low as |
| Fixed Home Equity |
|
| 10 year Fixed Home Equity |
3.50% |
| 15 year Fixed Home Equity |
4.00% |
| Home Equity Line of Credit |
Rate adjusts twice a year. Rate is subject to change after the account is opened.
Maximum rate of 15% APR* and a floor of 4.00% APR* |
3.25% |
| |
| Mortgage |
| Click here, Unifirst Mortgage, to see the Member Benefits with our Strategic Mortgage |
| Partner, Unifirst Mortgage, a locally owned and operated, full service mortgage banking |
| organization. Come experience the "White Glove" treatment. |
Costs vary with loan type and term. Contact the loan department for additional information.
| Vehicle Loans |
| Rates based on credit worthiness |
| New Vehicle |
| 2014-2015 |
APR* |
| |
as low as |
| New - 36 Months |
2.99% |
| New - up to 60 Months |
2.99% |
| New - over 60 Months |
2.99% |
| Used Vehicle |
| 2013 and below |
| Used - 36 Months |
3.99% |
| Used - up to 60 Months |
3.99% |
| Recreational Vehicles |
| Rates based on credit worthiness |
| 36 Months |
6.00% |
| Up to 60 Months |
6.00% |
| Over 60 Months |
6.00% |
.25 basis point reduction with transfer from primary
checking account for new, used or recreational vehicles and signature loans.
Subject to Credit Approval
All rates are subject to change without notice.
*APR - Annual Percentage Rate
**APY - Annual Percentage Yield