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Southpointe CU Rate Board
Loan Rates
July 1, 2008
Loan Type Maximum Months Daily Periodic Rate Annual Percentage Rate New & Used Autos 1997-2008 up to 36 months 0.012329% to 0.034247% 4.50% to 12.50%* 2002-2008 37 to 48 months 0.013562% to 0.035479% 4.95% to 12.95%* 2005-2008 49 to 60 months 0.014384% to 0.036301% 5.25% to 13.25%* 2006-2008 61 to 72 months 0.016301% to 0.038219% 5.95% to 13.95%* New & Used Boat, Motorcycle, RV, Trailer 1997-2008 up to 36 months 0.015068% to 0.036986% 5.50% to 13.50%* 2002-2008 37 to 48 months 0.016301% to 0.038219% 5.95% to 13.95%* 2005-2008 49 to 60 months 0.017123% to 0.039041% 6.25% to 14.25%* 2006-2008 61 to 72 months 0.019041% to 0.040959% 6.95% to 14.95%* Line of Credit NA 0.024658% to 0.046575% 9.00% to 17.00% Signature Loan up to 24 months 0.021918% to 0.046575% 8.00% to 17.00% Signature Loan 25 to 36 months 0.024658% to 0.046575% 9.00% to 17.00% Signature Loan 37 to 48 months 0.027397% to 0.046575% 10.00% to 17.00% MasterCard Basic - Variable Rate Based On Creditworthiness Payment 4% of balance MasterCard Platinum - Variable Rate Based On Creditworthiness Payment 4% of balance Share Secured up to 24 months 0.008904% 3.25% 25 to 60 months 0.011644% 4.25% Rate is based on individual credit worthiness. All loans are subject to credit approval. Loan rates may change without notice. *Members that have direct deposit into their SPCU checking account and use auto pay to make their loan payments receive a .25% discount on their auto loan rate.
Savings Annual % Yield
July 1, 2008
Account Name Min. Balance to Earn Dividends* APY Regular Shares (minimum balance of $100 required to earn dividends) $25.00 0.40% IRA Shares $100.00 1.75% Money Market - $2,500 -$19,999 $2,500.00 1.40% Money Market - $20,000-$49,999 $2,500.00 1.75% Money Market - $50,000 and up $2,500.00 2.00% Youth Shares $25.00 1.75% Christmas Shares $0.00 0.40% Real Estate Escrow $0.00 0.40% Special Shares $0.00 0.40% APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are declared, compounded and credited to your account as specified in your Southpointe Credit Union account agreement and account disclosures. All dividend/savings rates are variable; this means the rates and APY's may change at any time. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Certificates of Deposit
July 1, 2008
Term Minimum Balance* Dividend Rate APY 3-Month Certificate $1000.00 2.33% 2.35% 6-Month Certificate $1000.00 2.62% 2.65% 12-Month Certificate $1000.00 2.92% 2.95% 24-Month Certificate $1000.00 3.06% 3.10% 36-Month Certificate $1000.00 3.21% 3.25% 48-Month Certificate $1000.00 3.36% 3.40% 60-Month Certificate $1000.00 3.50% 3.55% APY is Annual Percentage Yield. Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Substantial Penalty for Early Withdrawal.
Rates subject to change.
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Products & Services |
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