Accounts and Services
Savings / Dividends Rates
Effective Date: August 26, 2008 (Rates & terms are subject to change without notice)
| Account Type | Min. Opening Balance | Deposits | Prospective Dividend Rates | Prospective APY |
| Savings | $25.00 | 0.50% | 0.50% | |
| Checking - Traditional (Not available on new accounts) | $10.00 | 0.25% | 0.25% | |
| Go Checking | $10.00 | No dividends | ||
| PLUS Checking | $100.00 | $0.00 - $9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $49,999.99 | 1.25% | 1.26% | ||
| $50,000.00 - $99,999.99 | 2.15% | 2.17% | ||
| $100,000.00 and Up | 2.25% | 2.27% | ||
| Health Savings Account | 4.00% | 4.06% | ||
| Savings IRA | $1.00 | $1.00-$2,000.00 | 1.25% | 1.26% |
| $2,001.00-$20,000.00 | 1.75% | 1.76% | ||
| $20,001.00-$80,000.00 | 2.00% | 2.02% | ||
| $80,001.00 & Up | 2.25% | 2.27% | ||
| Money Maker Account | $2,000.00 | $2,000.00-$20,000.00 | 1.60% | 1.61% |
| $20,001.00-$80,000.00 | 1.75% | 1.76% | ||
| $80,001.00 and Up | 2.20% | 2.22% | ||
| 90 Day Term Share Certificate | $2,500.00 | 2.25% | 2.27% | |
| 180 Day Term Share Certificate | $2,500.00 | 2.75% | 2.78% | |
| 1 Year Term Share Certificate | $500.00 | 2.95% | 2.98% | |
| 14 Month Term Share Certificate | $10,000.00 | 3.00% | 3.03% | |
| 2 1/2 Year Term Share Certificate | $500.00 | 3.25% | 3.29% | |
| 3 Year Term Share Certificate | $2,500.00 | 3.45% | 3.49% | |
| 3 Year Step Up Term Share Certificate | $2,500.00 | 3.35% | 3.39% | |
| 5 Year Term Share Certificate | $2,500.00 | 3.95% | 4.01% | |
| Flex Term Share Certificate (6 - 12 Months) | $1,000.00 | 2.85% | 2.88% | |
| 90 Day Term Share Certificate Jumbo | $100,000.00 | 2.35% | 2.37% | |
| 180 Day Term Share Certificate Jumbo | $100,000.00 | 2.95% | 2.98% | |
| 1 Year Term Share Certificate Jumbo | $100,000.00 | 3.10% | 3.14% | |
| 14 Month Term Share Certificate Jumbo | $100,000.00 | 3.15% | 3.19% | |
| 2 1/2 Year Term Share Certificate Jumbo | $100,000.00 | 3.45% | 3.49% | |
| 3 Year Term Share Certificate Jumbo | $100,000.00 | 3.65% | 3.70% | |
| 3 Year Step Up Term Share Certificate Jumbo | $100,000.00 | 3.55% | 3.60% | |
| 5 Year Term Share Certificate Jumbo | $100,000.00 | 4.20% | 4.27% | |
| Flex Term Share Certificate Jumbo (6-12 Months) | $100,000.00 | 3.10% | 3.14% |
*APY = Annual Percentage Yield.
Restrictions and terms:
- Savings and Checking: Fees may reduce earnings. Prospective dividend rates and APY may change due to current earnings and reserve requirements. Rates may change after account is opened.
- Money Maker: Rate is subject to change on the first of each month. Minimum withdrawal is $250.
- Certificates: Early withdrawal penalties apply. Certificate rates subject to change every Tuesday.
- IRA Accounts: Savings or Certificates accounts are available.
Auto Loan Rates
Effective Date: July 2, 2008 (Rates & terms are subject to change without notice)
| Type of Vehicle Loan | Rate (APR)* | Term |
| New Autos | 5.75% to 17.90% | Up to 84 Months |
| Used Autos | 6.25% to 17.90% | Up to 72 Months |
*Annual Percentage Rate (APR) Range: Rates listed are the lowest and highest annual percentage rates available. Your rate is based on your current financial situation and previous credit performance. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details. Refinancing is available on existing Altier CU auto loans.
Please review our LOANLINER Credit Agreement and Truth-in-Lending Disclosure©.
NOTICE TO OUR MEMBERS
No loans on vehicles with salvaged titles. No business purpose loans. No loans on autos with over 100,000 miles. $2,100 minimum monthly income required for all borrowers. Loans on Daewoos will be limited to 50% loan to value, out the door. Proof of income when required by underwriting. The credit union reserves the right to limit loan to value on all Hummers from published values.
TERMS OF REPAYMENT EXAMPLE
If you apply for a $35,000 60 month term loan at 5.75% APR*, you would make 60 monthly payments of $672.59.
Recreational Vehicle Loan Rates
Boat & Jet Skis
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Up To $30,000 | 6.75% to 10.00% | Up To 120 Months |
*All rates are annual percentage rates and are accurate as of date of publication. All loans subject to credit approval. Other conditions and terms may apply; ask for details. Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU boat/jet ski loans.
ATV & Motorcycles
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Up To $15,000 | 7.25% to 9.25% | Up To 60 Months |
*All rates are annual percentage rates and are accurate as of date of publication. All loans subject to credit approval. Other conditions and terms may apply; ask for details. Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU ATV/Motorcycle loans.
New RV (Fifth Wheel, Travel or Horse Trailer)
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 8.50% to 11.00% | Up To 84 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; ask for details. Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU RV loans. Financing up to 95% of MSRP retail, excluding tax, license and dealer prep.
Used RV (Fifth Wheel, Travel or Horse Trailer)
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 9.50% to 13.00% | Up To 60 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; ask for details. Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU RV loans. Financing up to 85% of NADA retail, excluding tax and license.
New Motor Home
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 7.50% to 10.50% | Up To 120 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU motor home loans. Financing up to 100% of MSRP, excluding tax, license and dealer prep.
Used Motor Home
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 8.50% to 13.0% | Up To 84 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU motor home loans. Financing up to 80% of NADA retail, excluding tax and license.
New Mobile/Manufactured Home
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 8.50% to 11.0% | Up To 180 Months** |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details. Refinancing not available on existing Altier CU mobile home loans.
Used Mobile/Manufactured Home
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Varies | 9.50% to 12.0% | Up To 120 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details. Refinancing not available on existing CU mobile home loans.
Mortgage/Home Equity Loans
First Mortgage Rates
For first mortgage rates and information click here.
Home Equity Rates
Effective Date of Rates: June 9, 2008 (Rates and terms are subject to change without notice)
Prime Rate as of May 5, 2008 5.00% (See Note 6 Below)
| Type of Home Equity Loan | Rate (APR*) |
| Variable | Prime to Prime+3.50% |
| Fixed up to 80% Financing | 7.00% - 10.25% |
| Fixed 81% to 85% Financing | 8.99% - 11.99% |
*Annual Percentage Rate (APR) range: Rates listed are the lowest and highest annual percentage rates available. With automatic deduction, deduct .25 basis points. Actual rates and APRs depend on FICO, credit history, type of product, term and our internal loan policy. All loans subject to credit approval.
Restrictions/Guidelines:
The following applies to all Home Equity Option Programs:
- *Fees - None to members.
- Setup Fees - Charged if loan is terminated for any reason within 1st two years (Minimum setup fee $375)
- Acceptable Property - Primary and 2nd homes (no rental properties).
The following applies to Variable Rate Option Programs:
- Rate Adjustment Variable - Adjustments made on the 1st of each month.
- Index - Prime rate.
- Life Cap - 18% APR.
- Floor - 4%
- Draw Period - 10 years
- Index Source - Highest Prime Rate quoted in the Wall Street Journal on the 25th or next business day of the previous month.
The following applies to Fixed Rate Option Programs:
- Index - Prime rate.
- Rate - Prime+2.00 to Prime+6.99
- Option up to 80% financing has a range of 7.00% - 10.25%
- Option 81% to 85% financing has a range of 8.99% - 11.99%
Personal Loans
Personal Computer Loan
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| $700-$2,500 | 6.50% | Up To 24 Months |
*Annual Percentage Rate. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details.
Signature Loan
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| $500-$25,000 | 10.75% to 15.0% | Up To 48 Months |
*Minimum payment $20. Actual rate and APR depend on FICO score, credit history, type of product, term and our internal loan policy. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details.
Personal Line of Credit
Effective Date: May 1, 2007 (Rates and terms are subject to change without notice)
| Loan Amount | Rate (APR*) | Term |
| Up To $25,000 | 10.50% to 13.0% | Open |
*Payments based on 3.5% of outstanding loan balance-minimum payment $20. Actual rate and APR depend on FICO score, credit history, type of product, term and our internal loan policy. Rates are accurate as of effective date. All loans subject to credit approval. Other conditions and terms may apply; Contact ServicelineTM and ask for details.
