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SAVING RATES
 
Savings Rates
Projected for 3rd Quarter 2014
     
Type

Rate

APY*

 

 

 

  Regular/Special  

   
           $100 > $9.999         .25%     .250%
$10,000 > $49,999

 .25%

    .250%
$50,000 & up        .50%     .501%
      Compounded Quarterly
 
Christmas Club

.25%

.25%

      No Compounding
     
$25.00 penalty for early withdrawal.
APY* = Annual Percentage Yield
 

                                               LOAN RATES

Link to pdf file: ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/CURRENTLOANRATES.pdf

 

 

LIMITED TIME SPECIAL RATES  (PURCHASE OR REFINANCE)
New or Used Car, Truck
Van, SUV, Motorhome or Motorcycle
   
New -- 100% of MSRP
Used -- 100% of NADA Retail Value
   
Term *APR
   
36 Months or Less 2.49% - 9.49%
48 Months 2.79% - 9.79%
60 Months 2.89% - 9.89%
72 Months > $25k  2.89% - 9.89% 
Maximum Term for Used Vehicles
   Current to 1 yr old  72 Months 
  2 - 3 years old 60 Months

               4 - 5 years old

          48 Months

over 5 years old 

36 Months
      May qualify for longer terms based on value & LTV
New or Used
Farm & Garden Equipment
     
New -- 100% of Purchase Price 
     
Purchase
Price
Maximum
Term

*APR
     
0 - $5,000 36 Months 3.49% - 10.49%
$5,001 - $10,000 48 Months 3.79% - 10.79%
$10,001 - $20,000 60 Months 3.89% - 10.89%
 $20,001 and up 72 Months   3.89% - 10.89% 
Used --- 90% Dealer Certified Appraised Value
     
 0 - $5,000 36 Months 3.49% - 10.49%
$5,001 - $10,000 48 Months 3.79% - 10.79%
$10,001 - up 60 months 3.89% - 10.89%
New or Used Boat, Motor & Trailer,
Travel, Trailer, Jet Skis, ATVs & Dirt Bikes
     
New -- 100% Purchase Price
Used -- 90% of NADA Retail Value
     
     
Purchase
Price
Maximum
Term

*APR
0 - $3,000   36 Months  3.49% - 10.49% 
$3,001 - $5,000 48 Months 3.79% - 10.79%
$5,001 - $20,000 60 Months 3.89% - 10.89%
$20,001 - up 72 Months 3.89% - 10.89%
Signature
Loans
     
Maximum 15% Salary up to $10,000 after 1
Year of Employment. Maximum 5% Salary  
3 Months to 1 Year of Employment  
     
 
Amount
Maximum
Term

*APR
     
$500 - $2,500 24 Months 7.75% - 14.75%
$2,501 - $4,999 36 Months 7.75% - 14.75%
$5,000 - $10,000  48-60 Mo's  7.75% - 14.75% 
      Excellent credit required for loans over 36 months
Share Secured Loans
                 Term

*APR

24 Months  2.25%
36 Months  2.30%
48 Months  2.80%
60 Months  2.80%
Computer Loans
     

Amount
Maximum
Term

*APR
     
 $500 - $3,000 24 Months 7.00% - 13.00%

*APR (Annual Percentage Rate)

******************   Rate Ranges Are Based On Credit Worthiness   ******************

CREDIT LIFE AND CREDIT DISABILITY AVAILABLE AT GROUP RATES

GAP AND EXTENDED WARRANTY AVAILABLE AT DISCOUNTED RATES

 

 

MASTERCARD CLASSIC  11.90% Annual Percentage Rate

 MASTERCARD GOLD     9.75% Annual Percentage Rate

Credit Disclosure

ANNUAL PERCENTAGE RATE (APR)
FOR PURCHASES

CLASSIC
11.90%
GOLD
9.75%
 

CASH ADVANCE APR: 11.9% BALANCE TRANSFER APR: 11.9%

CASH ADVANCE APR: 9.75%
BALANCE TRANSFER APR: 9.75%

GRACE PERIOD FOR REPAYMENT OF   BALANCES FOR PURCHASES

25 DAYS
25 DAYS

METHOD OF COMPUTING THE BALANCE FOR PURCHASES

AVERAGE DAILY BALANCE (INCLUDING NEW PURCHASES)

ANNUAL FEE

NONE
NONE

MINIMUM FINANCE CHARGE

NONE
NONE

FOREIGN TRANSACTION FEE

1% IN U.S. DOLLARS
1% IN U.S. DOLLARS
 

TRANSACTION FEE FOR CASH ADVANCES: NONE

BALANCE TRANSFER FEE: NONE

LATE PAYMENT FEE: NONE

OVER THE CREDIT LIMIT FEE: NONE

NEW OR REPLACEMENT CARD FEE: NONE
 
OTHER FEES AND CHARGES:
RETURNED CHECK FEE: $20.00
DOCUMENTATION FEE: $12.00
CARD RECOVERY FEE: $65.00
PAY-BY-PHONE FEE:  $10

 

 

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