|
ASECU Rates
|
Rates |
|
Effective Date:
06/30/2010 |
|
|
|
|
|
|
New & Used Autos |
Term (Months) |
APR* As Low As |
|
|
2008 & Newer Model Years |
Up to 60 |
4.25% |
|
|
|
Up to 66 |
4.50% |
|
|
|
Up to
72 |
5.00% |
|
|
|
Up to 78 |
6.00% |
|
|
2006-2007 Model Years |
Up to
60 |
4.50% |
|
|
|
Up to
66 |
5.00% |
|
|
|
Up to
72 |
5.75% |
|
|
2004-2005 Model Years |
Up to 60 |
5.25% |
|
|
|
Up to 66 |
6.50% |
|
|
2003 & Older Models |
Up to 36 |
6.00% |
|
|
|
Up to 48 |
7.25% |
|
|
|
|
|
|
|
|
|
|
|
|
New & Used
Motorcycles |
Term |
APR* As Low As |
|
|
2007-2009 Model Years |
48 |
9.50% |
|
|
|
60 |
9.75% |
|
|
|
72 |
10.25% |
|
|
2002-2006 Model Years |
48 |
10.50% |
|
|
|
60 |
11.00% |
|
|
2001 & Older Models |
36 |
11.50% |
|
| |
|
|
|
|
Share Secured Loan |
Term |
APR* As Low As |
|
|
100% Secured |
36 |
5.00% |
|
|
|
48 |
5.50% |
|
|
|
60 |
6.00% |
|
|
50% Secured |
36 |
8.00% |
|
|
|
48 |
8.50% |
|
|
|
60 |
9.00% |
|
|
0% Secured |
36 |
12.00% |
|
|
|
48 |
12.25% |
|
|
|
60 |
12.50% |
|
|
|
|
|
|
|
Share
Certificates** |
|
|
|
|
|
|
|
Term |
|
|
|
|
Credit |
Dividend |
|
|
Minimum |
APY* |
APR* |
Compounded |
Freq |
Period |
|
6 Months |
$1,000 |
0.65% |
0.65% |
Monthly |
Monthly |
Monthly |
|
12 Months |
$1,000 |
0.90% |
0.90% |
Monthly |
Monthly |
Monthly |
|
18 Months |
$1,000 |
1.35% |
1.34% |
Monthly |
Monthly |
Monthly |
|
24 Months |
$1,000 |
1.65% |
1.64% |
Monthly |
Monthly |
Monthly |
|
36 Months |
$1,000 |
2.20% |
2.18% |
Monthly |
Monthly |
Monthly |
|
48 Months |
$1,000 |
2.60% |
2.57% |
Monthly |
Monthly |
Monthly |
|
60 Months |
$1,000 |
2.80% |
2.76% |
Monthly |
Monthly |
Monthly |
|
|
|
|
|
|
|
|
|
Real Estate Loans |
|
|
|
|
|
|
Call for rates |
|
|
|
|
|
|
|
(330)792-4000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Variable Line |
Prime |
APR* As Low As |
|
|
Home Equity Line |
3.25% |
3.25% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Share Rates |
|
|
|
|
|
|
APY* |
APR* |
|
|
|
|
Regular Share |
Monthly |
0.15% |
0.15% |
|
|
|
|
IRA Share |
Monthly |
0.15% |
0.15% |
|
|
|
|
Checking |
Monthly |
0.00% |
0.00% |
|
|
|
|
Club Account |
Annual |
0.15% |
0.15% |
|
|
|
|
**The dividend rates and annual
percentage yields are variable and may change at any
time without prior notice.
* APY= Annual
Percentage Yield APR= Annual Percentage rate Please call for current Rates. All rates are subject to change.
Loan Calculator
Print a loan application
-
Rates.
Rates
are accurate as of June
30, 2010 and are subject to
change at any time. The ANNUAL
PERCENTAGE YIELD (APY) is a
percentage rate that reflects the
total amount of dividends to be paid
on an account based on the Dividend
Rate and frequency of compounding
for an annual period. The Dividend
Rate and ANNUAL PERCENTAGE YIELD for
Term Share Certificates are fixed
and will be in effect for the term
of the account. The ANNUAL
PERCENTAGE YIELD is based on an
assumption that dividends will
remain in the account until
maturity. A withdrawal will reduce
earnings.
-
Compounding and Crediting.
Dividends will be compounded and
credited monthly. The dividend
period begins on the first calendar
day of the dividend period and ends
on the last calendar day of the
dividend period. If you close your
Certificate account before accrued
dividends are credited, accrued
dividends will not be paid.
-
Balance Computation
Method. Dividends are
calculated by the Daily Balance
Method, which applies a daily
periodic rate to the balance in your
account each day. Dividends will
begin to accrue on both cash and
noncash deposits (e.g., checks) on
the business day you deposit such
items to your account.
-
Early Withdrawal Penalty. A
penalty will be imposed if you
withdraw any of the principal before
the maturity date. Early withdrawal
could reduce earnings on
certificates.
-
Other certificate terms and
yields are available.
-
Contact ASECU. For more
information about current rates,
terms, and fees, contact Associated
School Employees Credit Union at
(330) 792-4000. ASECU may offer
different rates in the future.
|
|
|
