Rate Center (All rates are subject to change without notice)
Our goal at Sierra Pacfic FCU is to serve the financial needs of our membership. We welcome the opportunity to serve you.
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All rates are subject to change without notice.
Savings, Checking, IRA and Club Account Rates
Rates Effective as of: 01/31/2012
Checking rates effective: 01/31/2012
| 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* (.01 -- 9999) |
.2500% |
.2500% |
Quarterly |
Quarterly |
Quarterly |
$5.00 |
0
|
| Share Savings*(10K +) |
.3000 |
.3000% |
Quarterly |
Quarterly |
Quarterly |
$5.00 |
|
| Christmas Club** |
.3200% |
.3200% |
Quarterly |
Quarterly |
Quarterly |
|
|
| IRA (100-9999K) |
.4500% |
.4500% |
Quarterly |
Quarterly |
Quarterly |
$100 |
|
| IRA (10K+) |
.6500% |
.6500% |
Quarterly |
Quarterly |
Quarterly |
$100 |
|
| Checking (500+) |
.1000% |
1.000% |
Monthly |
Monthly |
Monthly |
$25 |
|
Rates Effective as of: 01/31/2012
| Deposit Amounts |
6 months |
9 months |
12 months |
| 6 MONTHS CERT. (5K - 100K) |
.5500% |
N/A |
N/A |
| 9 MONTHS CERT (25K - 100K) |
N/A |
.5500% |
N/A |
| 12 MONTHS CERT (5K - 2499K) |
.N/A |
N/A |
.5500% |
| 12 MONTHS CERT (25K - 100K) |
N/A |
N/A |
.5900% |
Automobile and Trucks
| Program |
APR (as low as) |
Term (months) |
|
New Auto/Truck
(Autos, SUVs, & Trucks)
*Call CU for Conditions
|
4.25-11%
4.25-11%
4.25-11.%
4.75-11.5%
5.75-11% |
36
48
60
72
84 |
|
Used Auto/Truck
*Call CU for Conditions
2004-2010
2004-2010
2004-2010
2004/2010
2004/2010
2001-2003
|
4.25-11%
4.25-11%
4.25-11%
4.75-11%
5.75-11%
4.25-11% |
36
48
60
72
84
48
|
Classic Cars
Appraisal Required |
7.25%
|
Call credit union for terms. |
Recreational Vehicles/Boats
| Program |
APR (as low as) |
Term (months) |
Loam Amounts |
New Motor Homes,
RV, Boats & Trailers
85% lesser of MSRP or Purchase Price + Tax
|
6.99%
7.49%
7.49% |
84
96
144 |
Call CU for Conditions
25K + |
|
Used Motor Homes,
RV, Boats & Trailers
2002 or newer
80% lesser of High Blue Book or Purchase Price + Tax
Boat Loans Add 1/2%
(Subject to Current Market Conditions
|
7.00%
|
84 |
Call CU for Conditions |
|
New Motorcycles
2002 or newer
85% lesser of MSRP or Purchase Price + Tax
|
6.99%
7.49% |
48
60 |
Call CU for Conditions |
|
Used Motorcycles
2002 or newer
80% lesser of Low Blue Book or Purchase Price, Tax Excluded
Minimum Appraisal at $10K
|
7.00% |
36 |
Call CU for Conditions |
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Overdraft Loans
| APR |
Limits |
Payment |
| 13.00% |
$2,500.00 (Maximum) |
Call CU for Conditions |
Visa Credit Cards
| APR |
Minimum Limit |
Maximum Limit |
Annual Fee |
| 8.49% - 16.99% |
$250.00 |
$10,000.00 |
|
Unsecured Loans
| APR (as low as) |
Term |
9.99% - 13.99%
Call CU for Conditions |
24 months to 60 months |
Share Secured Loans
| APR |
Term |
Payment |
Regular share rate plus 3%
Regular share rate puls 4%
6.75% (75% of Market Value) |
up to 36 months
37 - 120 months
Up to 72 months |
Call CU for Conditions |