Loan Rates| Savings Rates| Certificate Rates
Applications | Calculators | Fee Schedule | Check Reorder
Truth In Savings| Required Disclosure
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Autotruck Federal Credit Union
Loan Rates Effective May 22, 2008
|
| Type of Loan |
APR** |
Term |
Payment Example |
| Autos, Trucks, Vans |
| New 2007-2008 models |
As low as 5.00% |
24 mo. |
$439.59 (based on $10,000) |
| |
As low as 5.00% |
36 mo. |
$300.13 (based on $10,000) |
| |
As low as 5.00% |
48 mo. |
$230.62 (based on $10,000) |
| |
As low as 5.00% |
60 mo. |
$188.99 (based on $10,000) |
| |
As low as 5.50% |
72 mo. (1) |
$327.28 (based on $20,000) |
|
| Used 2001-2006 models |
As low as 5.50% |
24 mo. |
$441.93 (based on $10,000) |
| |
As low as 5.50% |
36 mo. |
$302.43 (based on $10,000) |
| |
As low as 5.50% |
48 mo. |
$232.93 (based on $10,000) |
| |
As low as 5.50% |
60 mo. |
$191.32 (based on $10,000) |
| |
As low as 6.00% |
72 mo. (1) |
$332.04 (based on $20,000) |
|
| Boats, RVs, Campers |
| New 2007-2008 models |
As low as 5.50% |
60 mo. |
$191.32 (based on $10,000) |
| |
As low as 6.75% |
73-120 mo. (1) |
$230.12 (based on $20,000) |
| |
As low as 7.00% |
121-144 mo. (2) |
$257.65 (based on $25,000) |
|
| Used 2001-2006 models |
As low as 6.00% |
60 mo. |
$193.67 (based on $10,000) |
| |
As low as 7.25% |
73-120 mo. (1) |
$235.32 (based on $20,000) |
| |
As low as 7.50% |
121-144 mo. (2) |
$264.41 (based on $25,000) |
|
| Motorcycles |
| New 2007-2008 models |
As low as 5.75% |
60 mo. |
$192.49 (based on $10,000) |
|
| Used 2001 -2006 models |
As low as 6.25% |
60 mo. |
$194.85 (based on $10,000) |
|
| Signature/Unsecured |
| |
As low as 10.00% |
up to 60 mo. |
$106.67 (based on $5,000) |
|
| Home Equity Fixed Rate - Rates Based On Loan to Value of Up To 80% |
| |
As low as 5.00% |
up to 60 mo. |
$188.99 (based on $10,000) |
| |
As low as 5.00% |
up to 120 mo. |
$212.46 (based on $20,000)
|
| As low as 5.50% |
up to 180 mo (3)
|
$245.55 (based
on $30,000) |
|
| Home Equity Line of Credit |
| |
Contact Credit Union For Rate And Term Information |
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|
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| Home Loans - Purchase or Refinance |
| |
Contact Credit Union For Rate And Term Information |
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|
|
| Share Secured |
| |
share rate + 4.0% |
up to 120 mo. |
|
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| Mobile Homes |
| 2004-2008 models |
As low as 15.00% |
up to 120 mo. |
$322.69 (based on $20,000) |
| 2003 and older models |
As low as 15.00% |
up to 60 mo. |
$475.75 (based on $20,000) |
|
|
** Annual Percentage Rate. Rates effective May 22, 2008 and subject to change without notice.
(1) Loan amounts of $20,000 or more (3) Loan amounts of $30,000 or more
(2) Loan amounts of $25,000 or more
|
| All rates except Home Equity Lines of Credit are fixed. |
| Important Notice THE FINAL ANNUAL PERCENTAGE RATE WILL BE BASED ON THE APPLICANT'S CREDIT SCORE AND MAY VARY FROM THE RATES LISTED ABOVE. |
| The Term and Amount Financed may vary based on vehicle condition and the applicant's credit history. |
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Autotruck Federal Credit Union
Savings Rates
|
| Account |
Dividend Rate |
Annual Percentage Yield (APY) |
Minimum balance required to earn the stated APY. |
| Prime Shares |
1.00%
|
1.00% |
$100.00 |
| Vacation, Christmas, Special, Insurance, Kirby Kangaroo® Club, & CU Succeed® Savings |
1.00% |
1.00% |
None |
| IRA Shares & Education Savings |
1.50% |
1.51% |
None |
|
| Money Market |
|
Balance $2,500-$9,999
|
1.00% |
1.00% |
$2,500.00 |
|
Balance $10,000-$49,999
|
1.42% |
1.43% |
$10,000.00
|
|
Balance $50,000-more
|
1.67% |
1.68% |
$50,000.00 |
|
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Share Rates and APY's listed above are accurate for the dividend period ending 6/30/2008. Money Market Rates and APY's listed are accurate for the dividend period ending 8/31/2008. Dividend rates and APY's for future periods have not been determined. Rates subject to change without notice. Fees may reduce earnings on these accounts. The dividend period for all accounts is quarterly, except for Money Market account which is monthly. Please contact the Credit Union at (502)459-8981 in Louisville or (270)781-4365 in Bowling Green or at 1-800-459-2328 regarding any questions or current rate information. Accounts are federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.
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Share Certificate Accounts
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| |
Minimum balance required to earn the stated APY.
|
| Account Term |
Dividend Rate |
Annual Percentage Yield (APY) |
Regular Accounts |
Education Savings |
Roth or Traditional IRAs |
| 3 Month Certificate |
2.44% |
2.50% |
$500.00 |
N/A |
N/A |
| 6 Month Certificate |
2.93% |
3.00% |
$500.00 |
N/A |
N/A |
| 12 Month Certificate |
3.31% |
3.40% |
$500.00 |
$500.00 |
$1,000.00 |
| 24 Month Certificate |
3.65% |
3.75% |
$500.00 |
$500.00 |
$1,000.00 |
| 36 Month Certificate |
3.98% |
4.10% |
$500.00 |
$500.00 |
$1,000.00 |
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The rates listed are accurate as of 8/29/2008. Rates subject to change without notice. A penalty will be imposed for early withdrawal. The dividend period for all accounts is quarterly. Please contact the Credit Union at (502)459-8981 in Louisville or (270)781-4365 in Bowling Green or at 1-800-459-2328 regarding any questions or current rate information. Accounts are federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.
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