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Rates and Terms
Rate Center (All rates are subject to change without notice)
Our goal at S.W.G. FCU is to serve the financial needs of our membership. We welcome the opportunity to serve you.
What would you like to see:
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All rates are subject to change without notice.
Savings, Checking, IRA and Club Account Rates
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Rates Effective as of: 3/19/2008
Checking rates effective: 3/19/2008
| ACCOUNT |
DIVIDENDS |
BALANCE REQUIREMENTS
(Based on daily balance) |
| |
Dividend
Rate |
APY*** |
Dividends
Compounded |
Dividends
Credited |
Dividend
Period |
Minimum
Opening |
Minimum
Required
To Earn
Dividends |
| Share Savings* $100-$2499 |
1.00% |
1.00% |
Quarterly |
Quarterly |
Quarterly |
$50 |
$100 |
| Share Savings* |
1.15% |
1.16% |
Quarterly |
Quarterly |
Quarterly |
$50 |
$100 |
| Holiday Club** |
.90% |
.90% |
Quarterly |
Quarterly |
Quarterly |
NA |
$100 |
| Vacation Club* |
.90% |
.90% |
Quarterly |
Quarterly |
Quarterly |
$5 |
$100 |
| IRA Savings* |
2.70% |
2.73% |
Quarterly |
Quarterly |
Quarterly |
$20 |
$100 |
| Checking* |
0.35% |
0.35% |
Monthly |
Monthly |
Monthly |
NA |
$100 |
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Certificate Account Rates
Rates Effective as of: 4/16/2008
| Deposit Amounts |
6 months |
12 months |
24 months |
| $2,500 to 9,999.99 |
2.50% |
2.85% |
3.15% |
| $10,000 to 24,999.99 |
2.55% |
2.95% |
3.25% |
| $25,000 to 49,999.99 |
2.65% |
3.05% |
3.35% |
| $50,000 and over |
2.80% |
3.15% |
3.45% |
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Please note all rates,
terms, and year of models are subject to change without
notice. Contact a credit union representative for additional information
Automobile and Trucks
| Program |
APR |
Term
(months) |
New Auto/Truck
(2008 Models)
Up to 110% of MSRP - Mileage
cannot exceed 3500 miles |
5.50%
4.95%
4.75% |
72
60
48 |
Used Auto/Truck
2002 - 2007
Up to 100% financing of low blue
book plus options and mileage |
6.75%
6.25%
6.00% |
60
48
36 |
Used Auto/Truck
1988 - 2001
Up to 100% financing of low blue
Rate Center (All rates are subject to change without notice) |
11.00% |
Call credit union for terms. |
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Recreational
Vehicles/Boats
| Program |
APR |
Term
(months) |
Loam
Amounts |
New RVs
70% of purchase price, including tax the amount of the loan shall not exceed the MSRP |
10.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
Used RVs
70% of high blue book |
12.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
New Boats
80% of purchase price |
10.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
Used Boats
80% of purchase price |
12.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
New 5th Wheel
70% of purchase price |
10.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
Used 5th Wheel
70% of purchase price |
12.00% |
60
84
120 |
up to 10,000
minimum 10,000
minimum $20,000 |
New Motorcycles
100% of purchase price
including tax the amount of the loan shall not to exceed MSRP |
10.00% |
38
48
60 |
up to 5,500
minimum 5,500
minimum 10,000 |
Used Motorcycles
up to 100% high blue book value |
12.00% |
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Overdraft Loans
| APR |
Limits |
Payment |
| 18% |
$500 or $1000 |
10% of credit limit |
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Visa Credit Cards
| APR |
Minimum
Limit |
Maximum
Limit |
Annual
Fee |
| 13.75% |
$500 |
$7,500 |
$0.00 |
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Unsecured Loans
| APR |
Term |
| 13.50% |
36 months |
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Share Secured Loans
| APR |
Term |
Payment |
| 6.50% |
60 months |
Minimum payment $25 |
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