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Rates
Loans
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*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender's credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates subject to change. Financing terms are up to 72 months, but may be less based on several factors including, but not limited to, your credit standing, the vehicle's value, the loan amount, the term remaining on your existing loan, and the mileage and/or age of the vehicle. Repayment example: 3.99% APR for 66 months is $16.91 per $1,000 borrowed.
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*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.
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*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only. Fixed rate repayment example: 5.49% APR for 120 months is $10.85 per $1,000 borrowed.
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*APR = Annual Percentage Rate. Home Access Line of Credit carries a variable rate, loans are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The rate is set and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal plus a margin of -.50% for Home Equity Loan and 2.00% for Home Access Loan. Your margin may vary based on your credit qualifications. As of 10/2/12 the Prime Rate was 3.25% APR. **These reflect product floor rates and are higher than the index plus margin.
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| Share Secured |
| Up to 24 months |
3.99% APR* |
| Up to 36 months |
4.49% APR* |
| Up to 48 months |
4.99% APR* |
| Up to 60 months |
5.29% APR* |
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| Stock Secured |
| Up to 24 months |
6.79% APR* |
| Up to 36 months |
6.99% APR* |
| Up to 60 months |
7.99% APR* |
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*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment examples: Share Secured is 4.49% APR for 36 months is $29.75 per $1,000 borrowed and Stock Secured is 6.99% APR for 36 months is $30.88 per $1,000 borrowed.
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*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment example: 9.99% APR for 36 months is $32.26 per $1,000 borrowed.
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Deposits
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| Checking
Accounts |
| Preferred Checking |
0.10% APY |
| Advantage Checking |
1.50% APY on
average daily balances of $7,500 or less |
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0.01% APY on
portions over $7,500 |
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| Money Market - Market Yield |
| $100,000 and above |
0.30% APY |
| $50,000-$99,999.99 |
0.25% APY |
| $25,000-$49,999.99 |
0.15% APY |
| $0-24,999.99 |
0.05% APY |
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APY = Annual Percentage Yield
Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY.
Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 12/31/2012.
Yields for other deposit products are declared and paid monthly.
Fees may reduce earnings.
For CDs, a penalty may be imposed for withdrawals before maturity.
Federally insured by NCUA. |
Your savings are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $250,000 per member – with a separate coverage of $250,000 for Individual Retirement Accounts. |
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This page was last revised: 2/13/13
  Equal Housing Lender |
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